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Health Insurance 1120 views November 3, 2020
Having a Health Insurance Policy is an absolute necessity in the times we are living. A Health Insurance Plan covers all your expenses in case any medical emergency happens. But what to do if you have exhausted the limit of your sum insured on your health insurance? Well, in this case, you will need to enhance your existing Health Insurance cover. United India Super Top-up Plan covers any medical expenses if it crosses the pre-decided threshold limit. Coming from one of the oldest Insurance Companies in India, this insurance plan is one of the popular schemes among customers.
A Super Top-up Insurance is like a top-up recharge on your mobile phone. When you exhaust your existing balance, a top-up comes in handy. Similarly, when you exhaust the benefits of your health insurance plan, United India Super Top-up Policy comes into the picture. This Health Insurance plan is suitable for customers who are suffering from an illness that can result in frequent and multiple hospitalizations as Super Top-up Plan can help them in case they exhaust their current insurance plans.
So, what are the features of the United India Super Top-up Plan? Here, we will discuss the same and what this Super Top-up Plan will cover, its claim procedure and the documents you will need, etc. So, let’s start!
Table of Contents
United India Super Top-up Plan provides coverage to individuals for all the hospitalization expenses during their policy period. The insured person will get covered on exceeding the threshold limit of sum insured or Reimbursement or Reimbursable under any Health Insurance Policies/ Reimbursement scheme, whichever is higher, up to the sum insured. We are showing some of the prominent features of the United India Super Top-up Insurance Plan below. Please check!
Want to know what the Super Top-up Plan covers? We are showing it below. Have a look!
Even though the Super Top-up Plan has extensive coverages, it comes with some exceptions too. We are showing below the expenses for which you won’t get any cover. Have a look!
Now, it’s time to discuss the most important aspect of any Insurance Policy – the Claim Procedure. The most important thing about the Super Top-up Plan is that you will receive all the claims in Indian Rupees Only. In case any unfortunate event happens, you will need to inform the Hospitalization or Claim by intimating the same to the address of the Insurer or Third-party Administrator (TPA).
If you are admitted to a hospital because of some emergency, you should send the intimation notice within 24 hours from the time of hospitalization. After sending an intimation of the Claim, you will need to collect a Claim Form. To raise a claim for your United India Super Top-up Insurance Plan, you will need to submit this form along with the required documents to the TPA within 15 days from the date of discharge from the hospital. United India provides a claim for your policy via both Cashless and Reimbursement methods. We are showing the process below. Do check!
Cashless Claims
To get the Cashless Claim, the insured person or his/her representative will need to submit the pre-authorization Cashless form to the TPA through the hospital where the person is taking the treatment. There is no need for Separate Intimation if you submit the pre-authorization form immediately on admission into the hospital. A cashless facility is provided in all the PPN Network Hospitals fixed by United India.
Reimbursement Claims
If you are not choosing the cashless method to raise claims, you can always use the Reimbursement method for the United India Super Top-up plan. For this, the insured person should submit all the required documents related to Hospitalization expenses within 15 days from the date of discharge from the hospital. So what are these documents? We are showing them below. Please check!
If you want to renew your Super top-up insurance plan, you only need to visit the official website of United India. There, you will see the ‘Products’ section. In this section, you will only need to go to the ‘Renew’ option. On reaching there, enter your 20-digit Policy Number without any slash (\) and proceed to the payment option. After making the successful payment, your policy will be renewed. United India will also send you a soft copy to your registered email id.
In case you face any problem or have any query regarding the United India Super Top-up Plan, you are free to contact United India customer care. For this, you only need to call 1800-425-333-33 (from 10 am to 5:45 pm) from Monday to Friday. The representatives will hear all your problems patiently and resolve it as soon as possible.