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Health Insurance 1612 views November 3, 2020
United India Insurance Company Limited offers a critical illness cover for individuals aged between 21 and 65 years with its Criticare Insurance Policy. Your age is taken as age on the last birthday. With the United India Criticare Insurance Policy, an insured can cover self, spouse, and dependent parents with a separate sum insured. In any event, if you are being diagnosed with any one of the covered critical illnesses as defined in the policy, the company or TPA shall pay the insured person a compensation amount from the Sum Insured under the policy. Read the post and know the United India UNI Criticare Insurance Policy details.
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To get the claim amount, you must be diagnosed by a registered Medical Practitioner, supported by clinical radiological, histological, and laboratory evidence, and also surgical evidence (wherever it is applicable). Now, check out below the covered critical illnesses under United India Criticare Insurance Policy:-
Here, you will also get a survival period of a minimum of 30 days from the date of the critical illness diagnosis. But the company compensates the Insured, only once in respect of any one or more of the covered diseases. If a benefit is paid in terms of this policy on behalf of an Insured Person the coverage for that person terminates under the policy and such person shall not be entitled to be covered under the policy or its renewal thereof.
The following are excluded if you buy the United India UNI Criticare Policy:-
United India Criticare Insurance Policy has a waiting period of 90 days from the date of insurance commencement.
You must be thinking about what is to be done in the event of a claim, don’t worry just send a notice to the company or TPA in writing immediately of any covered critical illness occurrence. The notice shouldn’t be later than three days from its occurrence.
And all the certificates, information, and evidence for claims required by the company or TPA must be furnished within 30 days. You need to submit a medical examination on behalf of and at the expenses of the company as it is required in connection with any claim. The following is the list of documents you need to submit:-
The company renews United India Criticare Insurance Policy if you remit the requisite premium to the company before the expiry of your insurance period as stated in the policy schedule. Your insurer will be entitled to decline renewal if any fraud, misrepresentation, or suppression by the insured or on his behalf is found.
On renewal, the company discontinues the issuance of the policy. You will, however, have an option for renewal under any similar policy by the company provided the benefits payable in such other policies.
When you fail to remit premiums of United India Criticare Insurance Policy renewal before expiry, but within 30 days thereafter, admissibility of any claim during the period of the subsequent policy is considered in the same manner as under a renewed policy without break. However, the company isn’t liable for any claim arising out of ailments suffered in the interim period after the expiry of the earlier policy and before the date of commencement of the subsequent policy.
Note:- United India Insurance Company Limited is not bound to give you notice that the policy is due for renewal.
Your policy can be canceled by the insurer anytime on the grounds of misrepresentation, fraud, non-disclosure of material fact, or non-cooperation. For which, you will get a 15-day notice in writing on your registered address (as per your last known address). In such a case, the company may return to the insured a proportion of the last premium amount corresponding to an unexpired period of insurance if you haven’t made any claim under the policy.
You also have the right to cancel the policy any time by giving notice to the insurer, and in such an event, the company shall allow a refund of premium at the company’s short period rate table as given below (if no claim is being provided up to the date of cancellation).
Period on Risk | Premium Rate Charged |
---|---|
Up to one month | 1/4 of the annual rate |
1/4 of the annual rate | 1/4 of the annual rate |
Up to six months | Up to six months |
If the company disclaims any liability to the insured for any claim hereunder and the insured within 12 calendar months from the date of receipt of the notice of such disclaimer will not make any claim, the subject is a matter of a suit in a court of law. Under the policy, the claim for all purposes will be deemed to be abandoned and it does not recover thereafter.
Now, let’s take a look at the United India UNI Criticare Insurance Policy terms and conditions below before you decide to purchase it.