United India Yuvaan Health Insurance

The Yuvaan Health Insurance scheme by United India Insurance Company Limited offers an economical health coverage option. It distinguishes itself with its cost-effectiveness, providing a viable choice within the market. Notably, it imposes a 12-month waiting period for pre-existing conditions and specific ailments. Although it covers hospitalization and related expenses, its coverage is not as extensive as other available products, and its benefits are relatively restricted. Moreover, it lacks the flexibility of monthly premium payments. Our research indicates that while the insurer has a commendable record in settling claims, it receives a higher volume of complaints regarding policy acquisition, indicating a disparity between claim resolution and the purchasing experience.

What are the benefits offered by the United India Yuvaan Plan?

●  Inpatient hospitalisation coverage: Like all health insurance plans, the United India Yuvaan Plan provides coverage for expenses associated with inpatient hospitalisation. These are expenses you incur when you are hospitalised for more than 24 hours, such as room and boarding fees, nursing charges, medical practitioner fees, prescription drugs, ICU expenses, and other relevant expenses.

●  Pre-hospitalization coverage: Medical expenses that you incur before hospitalisation are referred to as pre-hospitalization charges. These expenses typically include consultation fees, lab tests, checkups, medical reports, etc. However, the insurer will only cover these expenses if they are related to the medical condition that eventually leads to hospitalisation and the claim is approved as part of the inpatient hospitalisation coverage. The good news is that with the United India Yuvaan Plan, pre-hospitalization expenses are covered for 60 days before hospitalisation up to the sum insured. 

●  Post-hospitalization coverage: After you are discharged from the hospital, you might encounter further medical expenditures referred to as post-hospitalization costs. These expenses may include consultations with your physician, medical check-ups, rehabilitation schemes, physical therapy, etc. To have these costs covered, they must be relevant to your initial hospitalisation, and your claim must be approved under inpatient hospitalisation. The United India Yuvaan Plan provides coverage for post-hospitalization expenses for 90 days after hospitalisation up to the sum insured.

●  Daycare treatment coverage: Daycare treatment is a medical procedure or surgery that used to require an extended hospital stay but can now be completed within 24 hours due to advancements in medical technology. With the United India Yuvaan Plan, expenses related to all daycare procedures are covered without any limit. 

●  Domiciliary treatment coverage: Domiciliary treatments are medical treatments for illnesses or injuries that require immediate attention at the hospital but are given at home due to the severity of your medical condition or the absence of hospital beds in the vicinity. With the United India Yuvaan Plan though, no domiciliary treatment expenses are covered as this option is not available.

●  Organ donor coverage: Under the United India Yuvaan Plan, organ donor expenses are covered up to the sum insured. This coverage encompasses inpatient organ donor expenses in the event of an organ transplantation surgery - where you are the organ recipient.

●  Modern treatment coverage: As medical technology advances, innovative treatments that were once deemed impossible are now becoming a reality. These modern treatments, including stem cell therapy, radio surgeries, etc., intend to cure ailments that were once regarded as incurable. The United India Yuvaan Plan is designed to keep up with these advancements by covering expenses related to modern treatments without any limits.

●  Non-medical expenses coverage: The United India Yuvaan Plan does not cover non-medical expenses. Non-medical expenses are expenses that are also very essential and include the cost of gloves, nebulization kits, oxygen masks, etc. and should be thought about before buying a policy.

●  No claim bonus: The United India Yuvaan Plan offers a no claim bonus - a reward given to you if you don’t make any claims in a policy year. This bonus amounts to 50% of the sum insured subject to a maximum of up to 100%. Another important point to note is that if you file a claim during the policy term, the accumulated bonus will be reduced accordingly. 

●  Super no claim bonus: The super no claim operates in the same way as the standard no claim bonus, but is an accelerated version. It is important to note that the United India Yuvaan Plan does not provide the super no claim bonus feature.

●  Restoration benefit: The restoration benefit is not another feature of the United India Yuvaan Plan but it is important to know what it means to make an informed decision. It restores the sum insured once it is utilised during a policy year. 

United India Yuvaan Plan: Financial Limits

●  Room rent limit: The room rent limit is the maximum amount that your insurance provider will cover for the hospital room you stay in during your hospitalisation. If you opt for a room that falls within this limit, you won't have to bear any additional expenses. However, if you decide to choose a room with a higher rent than your eligibility, a proportional deduction will apply. This means that you will have to bear a proportionate share of the entire bill, rather than paying only the difference. With the United India Yuvaan Plan, you can select any room as long as it is a shared one.

●  ICU rent limit: The United India Yuvaan Plan provides coverage for expenses incurred during an ICU stay. There is no limit on the amount covered, ensuring that you receive the best possible medical care without any financial burden.

●  Copayment: It is a certain percentage of the approved claim amount you need to pay out of your own pocket before your insurer covers the remaining amount. However, the United India Yuvaan Plan doesn’t have a copayment limit. But you can get it as an add-on if needed.

●  Deductible: It is a certain amount that you must pay from your end before your policy starts to cover your medical expenses. However, the United India Yuvaan Plan does not have a deductible limit.

●  Limits on surgeries/treatments: It is the maximum amount that the health insurance policy will cover for certain medical procedures or treatments. However, some plans have limitations on the amount they will cover for specific procedures, while others don't. In the case of the United India Yuvaan Plan, offers coverage for important surgeries and treatments like cataract treatment and joint replacement surgery up to the sum insured. 

Please note that the above financial limits are taken for a 30-year-old individual, opting for a sum insured of Rs. 10 Lakhs.

United India Yuvaan Plan: Waiting Periods & Exclusions

👉Waiting period
A waiting period is a certain time frame during which specific illnesses and medical conditions are not covered right after buying a health insurance policy. You can only claim for these conditions once the waiting period has ended. The duration of the waiting period varies depending on the policy you choose. Here are some types of waiting periods -

• Initial waiting period: For the United India Yuvaan Plan, an initial waiting period of 30 days is applicable for all medical conditions, except for accidents. During this period, you will not be able to claim any hospitalisation expenses unless it is due to an accident. Once the initial waiting period is over, you can claim for all covered medical conditions without any restrictions.
• Waiting period for pre-existing diseases: If you had any medical condition or illness within 36 months before applying for a health insurance policy, it is considered a pre-existing disease. With the United India Yuvaan Plan, you will need to wait for 12 months before the policy covers expenses related to your pre-existing condition. This means that during this waiting period, you will not be able to make any claims for expenses related to your pre-existing disease.
• Waiting period for specific diseases: The United India Yuvaan Plan applies waiting periods for certain medical conditions apart from your pre-existing diseases. These waiting periods are predetermined by the insurer and are not related to your current health status. A waiting period of 12 months is applicable for specific diseases under this plan.

👉Exclusions
Health insurance policies do not cover certain situations or medical conditions called exclusions. These include –

• Standard permanent exclusions: Insurance companies in India are required by the Insurance Regulatory and Development Authority of India (IRDAI) to follow a set of ‘standard permanent exclusions’. These include -

1. Investigation and evaluation: Hospitalisation for monitoring or observation purposes alone.
2. Rest cure, rehabilitation, and respite care: Admission to a facility for rest or respite where no active medical treatment is given.
3. Obesity/weight control: Any surgical or medical procedures intended for weight control or obesity.
4. Change of gender treatment: Medical treatment aimed at altering the body's characteristics to that of the opposite gender is excluded.
5. Plastic/cosmetic surgery: Surgical or medical procedures intended for modifying appearance or body characteristics.
6. Profession in hazardous or adventure sports: Any medical expenses incurred while participating as a professional in adventure activities such as mountaineering, river rafting, scuba diving, horse racing, etc.
7. Breach of law: Any expenses related to the treatment of a person who has committed or attempted to commit a criminal act.
8. Excluded providers: Treatment from medical practitioners or hospitals excluded by the insurance company.
9. Narcotics: Treatment for addictive conditions like alcohol addiction, drug usage, etc.
10. Treatments in establishments arranged for domestic purposes: Treatment expenses incurred in health spas, nursing homes, or similar establishments arranged entirely or partially for domestic reasons.
11. Dietary supplements, substances purchased without prescription: Expenses on vitamins, minerals, and other dietary supplements not prescribed by a medical practitioner.
12. Refractive error: Expenses associated with correcting refractive errors up to 7.5 diopters for improved eyesight.
13. Unproven treatments: Any surgeries, medical procedures, or treatments that are not proven to be effective.
14. Expenses related to birth control, sterility, infertility: Contraception, sterilisation, artificial insemination, advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, gestational surrogacy, etc.
15. Maternity expenses: Costs related to pre/post-natal care, childbirth, and other hospitalisation expenses.

• Additional permanent exclusions: Apart from the permanent exclusions mandated by the IRDAI, insurance companies have the authority to impose ‘specific exclusions'. If a particular illness is regarded as high-risk, insurers can opt to permanently exclude it from coverage. Nevertheless, insurers are restricted to those diseases on the pre-approved list of illnesses established by the IRDAI for applying permanent exclusions. 
• Non-standard exclusions (Specific exclusions): The United India Yuvaan Plan has specific exclusions in addition to the standard exclusions specified by the IRDAI. These exclusions may vary among insurance providers and are dependent upon the plan’s terms and conditions. Here are some specific exclusions under this plan -

1. Injuries or illnesses resulting from civil war, rebellion, invasion, actions of foreign enemies, or warlike operations.
2. Injury or sickness stemming from nuclear, chemical, or biological attacks or weaponry.
3. Any expenses arising from domiciliary hospitalization.
4. Treatment for sleep-related disorders.
5. Utilization of a ventilator for a patient in a vegetative state (brain dead) with no prospects of recovery.
6. Switching treatment from one medical system to another, unless directed by a physician.
7. Circumcision unless deemed necessary for treating a disease or injury or due to an accident.
8. Costs associated with treatment for external birth defects or anomalies.
9. Expenses for hearing and vision treatments or devices.
10. Expenses for routine medical examinations and preventive health check-ups.
11. Dental treatments except those required due to accidents or diseases.
12. Treatment related to deliberately self-inflicted injuries or attempted suicide by any means.
13. Costs for routine medical examination spectacles and contact lenses.
14. Expenses related to stem cell implantation except for bone marrow transplants for haematological conditions and growth hormone therapy.
15. Hyperbaric Oxygen Therapy, Enhanced External Counter Pulsation, Rotational Field Quantum Magnetic Resonance, External Counter Pulsation, and similar treatments.
16. Treatments other than those in Allopathy, Ayurvedic, Homeopathic & Unani branches of medicine.
17. Prostheses and external durable equipment of any kind used for diagnosis or treatment.
18. Costs associated with vaccination or inoculation (except for post-animal bite treatment).

What to expect in terms of claims experience if you buy from United India Insurance Company Limited?

• Speed of claims: The United India Insurance Company Limited has settled 89.79% of claims, in less than 30 days. This suggests that you might have to go through an inefficient claim settlement process.
• Claim-related complaints: As per our research, the percentage of complaints received on overall claims for the United India Insurance Company Limited is not available.
• Claims incurred ratio: It is a measure of the financial performance of an insurer. It is the ratio of the total claims incurred by the insurer to the total premiums collected in a financial year. The United India Insurance Company Limited’s claims incurred ratio is 109.23%.
• Claim settlement ratio: The United India Insurance Company Limited’s claim settlement ratio is not available. It is the percentage of claims settled by an insurer in comparison to the total claims received in a financial year.
• Network hospitals: The number of network hospitals for the United India Insurance Company Limited is not available on the website.

How is the customer service of United India Insurance Company Limited?

• Policy purchase-related complaints: As per our research, the percentage of policy purchase-related complaints for the United India Insurance Company Limited is not available.
• Response on toll-free: In our research, we observed that the service response on United India Insurance Company Limited's toll-free number is average, as compared to other insurers. 
• Response on Twitter: As per our research, United India Insurance Company Limited is not active on Twitter.

About United India Insurance Company Limited

Established in 1938, United India Insurance Company, also known as UIIC, is a public sector general insurance firm operating in India. UIIC boasts a comprehensive lineup of insurance products, catering to needs ranging from bullock carts to satellites. Its offerings span health insurance, motor insurance, marine insurance, personal accident insurance, shopkeeper’s insurance, crop insurance, and more. Headquartered in Chennai, Tamil Nadu, the company is led by CEO and MD Satyajit Tripathy.