HEALTH CARE PLANS(GARIMA)

Usually, most of the health care plans are self-funded and self-insured one,
which render advantages from a fund created by an employer or company.
These plans are not insurance plans and are established under the federal law
of authority. The government is well aware of health care facts and has already
make different health care plans for individuals belonging to different
category, classes and income groups. Health care plans are available in many
forms like for federal employees, individuals and family, particular
organization etc. There are many advantages of using and availing health care
plans like:

•These plans reduce the health care costs.

•These plans are highly helpful in promoting the public health.
•These plans prove to be beneficial for long-term care.
FEATURES OF HEALTH CARE PLAN(ANKUR)
An individual or group plan that provides, or pays the cost of, medical care health
care plan includes the following, singly or in combination:
 A group health plan,
 A health insurance issuer
 An issuer of a long-term care policy
 An employee welfare benefit plan or any other arrangement that is established or
maintained for the purpose of offering or providing health benefits to the
employees of two or more employers.
The UIIC offers health care plans of various categories:-

1.HealthCare Gold plan

2.HealthCare Platinum plan
3.HealthCare Super top up & top up plan
3.HealthCare Family Medicare plan
 GOLD PLAN(GAURAV)
•SALIENT FEATURES-The Policy can be availed by persons who are in the
age group of 36 years to 60 years and taking a Mediclaim Policy for the first
time. In respect of persons with existing Insurance, they will be fitted into the
respective age group.
•AGE LIMIT-Persons between the age of 36 years and 60 years at the time of
taking policy. Children from the age of 3 months are covered provided the
parents are covered concurrently
•FAMILY DISCOUNT-A family discount of 5% of the total premium will be
allowed comprising the insured and any one or more of the following: a.
Spouse, b. Dependent children (i.e. Legitimate or legally adopted children) c.
Dependent Parents.
•Sum insured: Rs 1 lac to Rs 5 lacs in multiples of Rs 25,000/
PLATINUM PLAN(DEEPTI)

SALIENT FEATURES-The Policy can be availed by persons who are in the age group
3 months to 35 years and taking a Mediclaim Policy for the first time. In respect of
persons with existing Insurance, they will be fitted into the respective age group

AGE LIMIT-Persons between the age of 3 months and 35 years at the time of taking
policy. Children from the age of 3 months are covered provided the parents are covered
concurrently.
•FAMILY DISCOUNT-A family discount of5% of the total premium will be allowed
comprising the insured and any one or more of the following: a. Spouse, b. Dependent
children (i.e. Legitimate or legally adopted children) c. Dependent Parents.
•NO CLAIM DISCOUNT-The insured shall be entitled for No Claim Discount of 5% for
every claim free year subject to a maximum of 25%.
•PAYMENT OF PREMIUM-As per table attached. At each renewal, the Company will review
the rate and loading, if any, will be applicable subject to a maximum of 200% of the
expiring premium.
SUPER TOPUP & TOPUP POLICY
COVERS(HARSHIT)
Super Top-Up Policy and Top Up Policy are other health insurance covers
being offered for individuals. A comparative study pertaining to the two
products are as follows:-
 United India Super Top-up
United India Top-up plan
plan

Deductible amount Rs. 3 lakhs Rs. 3 lakhs

Coverage amount over and

Rs. 7 lakhs Rs. 7 lakhs
above the deductible amount

Maximum age at entry 80 years 80 years

Premium amount    

Age up to 45 2,758 3,198

46 to 60 3,149 3,971

> 60 3,861 4,412

Coverage of Pre-existing
In the 5th Consecutive Year In the 5th Consecutive Year
illness

Renewal up to Lifetime Lifetime

Sub Limits None None