{"uin":"UIIHLIP26049V042526","name":"Super Top-up Medicare Policy","url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526","insurer":{"slug":"united-india-insurance","name":"United India Insurance Company Limited","url":"https://indiainsurances.com/insurer/united-india-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-09-13","withdrawn_on":null,"summary":"Super Top-Up Medicare Policy is an annual health indemnity policy with individual or family floater sum insured basis and an aggregate threshold deductible. It covers medical or surgical treatment taken in India, with pre-existing diseases covered after 36 months of continuous coverage.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:49:01.510171+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Individual Sum Insured basis","Family Floater Sum Insured basis"],"display":"Individual Sum Insured basis; Family Floater Sum Insured basis","note":"These are cover bases, not named plan names.","quote":"The Policy provides cover on an Individual or Family Floater Sum Insured basis. A separate Sum Insured for each Insured Person, as specified in the Policy Schedule is provided under Individual Sum Insured basis while under Family Floater Sum Insured basis, the Sum Insured limit is shared by the whole family of the Proposer as specified in the Policy Schedule","sources":[{"clause":"3","heading":"COVERAGE A. Cover Type","page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-3-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"One Year. Renewable annually.","display":"One Year. Renewable annually.","note":null,"quote":"One Year. Renewable annually.","sources":[{"clause":"4","heading":"POLICY TERM","page":2,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17231#c-4"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For emergency hospitalisation, notify the TPA/company within 24 hours from the date of emergency hospitalisation or before discharge, whichever is earlier. For planned hospitalisation, notify at least 48 hours prior to admission.","display":"Emergency: within 24 hours or before discharge; planned: at least 48 hours prior to admission","note":null,"quote":"Upon the happening of any event which may give rise to a claim under this Policy, the Insured Person/Insured Person’s representative shall notify the TPA/company in writing providing all relevant information relating to claim including plan of treatment, policy number etc. within the prescribed time limit as under:\ni) Within 24 hours from the date of emergency hospitalisation or before the Insured Person’s discharge from Hospital, whichever is earlier.\nii) At least 48 hours prior to admission in Hospital in case of a planned Hospitalisation.","sources":[{"clause":"5.22(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-22-a"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form","Photo Identity proof of the patient","Attending medical practitioner’s / surgeon’s certificate regarding diagnosis/ nature of operation performed or Operation Theatre (OT) Notes","Medical history of the patient as recorded, Hospital bills (including break up of charges) and payment receipts","Discharge certificate/ summary from the hospital","Cash-memo/ bills/ invoices from the Diagnostic Centre(s)/ hospital(s)/ chemist(s)","Payment receipts from doctors, surgeons and anaesthetist, wherever applicable","Bills/invoices, receipt, Bar Code and Stickers of the Implants and Prosthetics","MLR (Medico Legal Report copy if carried out and FIR (First Information Report) if registered, wherever applicable)","NEFT Details and cancelled cheque","KYC (Identity proof with Address) of the proposer, where claim liability is above Rs. 1 Lakh","Any other document required by the company/ TPA"],"display":"Claim form, photo ID, medical certificates/OT notes, hospital bills and receipts, discharge summary, diagnostic/chemist bills, doctors’ receipts, implant bills/stickers, MLR/FIR if applicable, NEFT/cancelled cheque, KYC above Rs. 1 Lakh, and any other document required","note":null,"quote":"The claim is to be supported with the following original documents and submitted within the prescribed time limit.\ni) Duly completed claim form\nii) Photo Identity proof of the patient\niii) Attending medical practitioner’s / surgeon’s certificate regarding diagnosis/ nature of operation performed or Operation Theatre (OT) Notes, along with date of diagnosis, advise for admission, investigation test reports etc. supported by the prescription from attending medical practitioner.\niv) Medical history of the patient as recorded, Hospital bills (including break up of charges) and payment receipts duly supported by the prescription from attending medical practitioner.\nv) Discharge certificate/ summary from the hospital.\nvi) Cash-memo/ bills/ invoices from the Diagnostic Centre(s)/ hospital(s)/ chemist(s) supported by proper prescription.\nvii) Payment receipts from doctors, surgeons and anaesthetist, wherever applicable.\nviii) Bills/invoices, receipt, Bar Code and Stickers of the Implants and Prosthetics (if used and only in case of surgery/ surgical procedure.\nix) MLR (Medico Legal Report copy if carried out and FIR (First Information Report) if registered, wherever applicable)\nx) NEFT Details (to enable direct credit of claim amount in bank account) and cancelled cheque\nxi) KYC (Identity proof with Address) of the proposer, where claim liability is above Rs. 1 Lakh as per AML Guidelines\nxii) Any other document required by the company/ TPA","sources":[{"clause":"5.22(d)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-22-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it shall complete investigation within 30 days from receipt of the last necessary document and settle or reject the claim within 45 days from receipt of the last necessary document.","display":"15 days from last necessary document; investigation cases within 45 days","note":"Delay attracts interest at 2% above the bank rate as stated in the policy.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"5.9(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-9-i"},{"clause":"5.9(iii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-9-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to the treatment of disclosed pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months","Investigation & Evaluation","Rest Cure, Rehabilitation and Respite Care","Obesity/ Weight Control","Change-of-Gender treatments","Cosmetic or Plastic Surgery","Hazardous or Adventure sports","Breach of law","Treatment for Alcoholism, drug or substance abuse or any addictive condition","Maternity","Any expenses incurred on OPD (Out-Patient) Treatment","Vaccinations or inoculations of any kind, except when required as part of hospitalisation or a daycare procedure for treatment following an animal bite"],"display":"PED waiting period plus main permanent exclusions including investigation/evaluation, rest cure, obesity, change of gender, cosmetic surgery, hazardous sports, breach of law, alcohol/drug abuse, maternity, OPD, and vaccinations except specified cases","note":null,"quote":"Expenses related to the treatment of disclosed pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us. ... Investigation & Evaluation (Code-Excl04) ... Rest Cure, Rehabilitation and Respite Care (Code-Excl05) ... Obesity/ Weight Control (Code-Excl06) ... Change-of-Gender treatments (Code-Excl07) ... Cosmetic or Plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports (Code- Excl09) ... Breach of law: (Code-Excl10) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Maternity (Code- Excl18) ... 4.27 Any expenses incurred on OPD (Out-Patient) Treatment 4.28 Vaccinations or inoculations of any kind, except when required as part of hospitalisation or a daycare procedure for treatment following an animal bite.","sources":[{"clause":"4.1","heading":"Pre-Existing Disease Waiting Period (Code- Excl01)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-1"},{"clause":"4.2","heading":"Investigation & Evaluation (Code-Excl04)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-2-2"},{"clause":"4.3","heading":"Rest Cure, Rehabilitation and Respite Care (Code-Excl05)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-3"},{"clause":"4.4","heading":"Obesity/ Weight Control (Code-Excl06)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-4"},{"clause":"4.5","heading":"Change-of-Gender treatments (Code-Excl07)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-5"},{"clause":"4.6","heading":"Cosmetic or Plastic Surgery (Code-Excl08)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-6"},{"clause":"4.7","heading":"Hazardous or Adventure sports (Code- Excl09)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-7"},{"clause":"4.8","heading":"Breach of law: (Code-Excl10)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-8"},{"clause":"4.10","heading":null,"page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-10"},{"clause":"4.16","heading":"Maternity (Code- Excl18)","page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-16"},{"clause":"C","heading":"SPECIFIC PERMANENT EXCLUSIONS","page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-c"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, contact the company through its website, toll free number, e-mail, courier to the Customer Care Department, or the grievance cell at any branch. If not satisfied, contact the grievance officer at customercare@uiic.co.in before approaching the Insurance Ombudsman or IRDAI IGMS.","display":"Company website/toll-free/e-mail/courier/branch grievance cell first; then grievance officer; then Ombudsman or IRDAI IGMS","note":null,"quote":"In case of any grievance the Insured Person may contact the company through: ... Website: www.uiic.co.in\nToll free: 1800 425 333 33 ... E-mail: customercare@uiic.co.in\nCourier: Customer Care Department, Head Office, United India Insurance Co. Ltd., 24, Whites Road, Chennai, Tamil Nadu- 600014 Insured Person may also approach the grievance cell at any of the Company's branches with the details of grievance. If Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at customercare@uiic.co.in","sources":[{"clause":"5.16","heading":"Redressal of Grievance","page":18,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-16"},{"clause":null,"heading":"Website: www.uiic.co.in","page":18,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-website-www-uiic-co-in"},{"clause":null,"heading":"E-mail: customercare@uiic.co.in","page":19,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-e-mail-customercare-uiic-co-in"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Fresh proposal sum insured options are tied to the threshold: 2 Lacs threshold: 3 Lacs, 5 Lacs; 3 Lacs threshold: 3 Lacs, 5 Lacs, 7 Lacs; 5 Lacs threshold: 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 45 Lacs, 70 Lacs, 95 Lacs; 10 Lacs threshold: 10 Lacs, 15 Lacs, 20 Lacs, 40 Lacs, 65 Lacs, 90 Lacs; 15 Lacs threshold: 15 Lacs, 35 Lacs, 60 Lacs, 85 Lacs; 20 Lacs threshold: 20 Lacs, 30 Lacs, 55 Lacs, 80 Lacs; 25 Lacs threshold: 25 Lacs, 50 Lacs, 75 Lacs.","display":"Rs. 3 Lacs to Rs. 95 Lacs, depending on threshold option","note":"Thresholds of 2 lacs and 3 lacs are printed in the table but marked not available for fresh proposals.","quote":"The various Sum Insured options available under the policy for fresh proposals are as follows:\nTHRESHOLD LIMIT | SUM INSURED\n2 Lacs | 3 Lacs, 5 Lacs\n3 Lacs | 3 Lacs, 5 Lacs, 7 Lacs\n5 Lacs | 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 45 Lacs, 70 Lacs, 95 Lacs\n10 Lacs | 10 Lacs, 15 Lacs, 20 Lacs, 40 Lacs, 65 Lacs, 90 Lacs\n15 Lacs | 15 Lacs, 35 Lacs, 60 Lacs, 85 Lacs\n20 Lacs | 20 Lacs, 30 Lacs, 55 Lacs, 80 Lacs\n25 Lacs | 25 Lacs, 50 Lacs, 75 Lacs\n* Threshold: 2 lacs & 3 lacs not available for Fresh.","sources":[{"clause":"5","heading":"SUM INSURED","page":2,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17231#c-5"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Applies afresh to sum insured enhancement to the extent of the increase; reduced by prior coverage under portability norms if continuously covered without break.","quote":"Expenses related to the treatment of disclosed pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"4.1","heading":"Pre-Existing Disease Waiting Period (Code- Excl01)","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"5.12","heading":"Moratorium Period","page":18,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-12"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the policy to other insurers by applying to that insurer to port the entire policy along with all family members, as per IRDAI portability guidelines. If continuously covered without lapses under any health insurance policy with an Indian general/health insurer, accrued continuity benefits in waiting periods are available as per IRDAI guidelines.","display":"Portability allowed with accrued waiting-period continuity benefits, subject to IRDAI guidelines","note":null,"quote":"The Insured Person will be provided facility to port the policy to other Insurers by applying to such Insurer to port the entire policy along with all the members of the family, if any, as per IRDAI guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health Insurer, the proposed Insured Person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"5.15","heading":"Portability","page":18,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall apply on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"5.10","heading":"Renewal of Policy","page":17,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Investigation & Evaluation (Code-Excl04)","Rest Cure, Rehabilitation and Respite Care (Code-Excl05)","Obesity/ Weight Control (Code-Excl06)","Change-of-Gender treatments (Code-Excl07)","Cosmetic or Plastic Surgery (Code-Excl08)","Hazardous or Adventure sports (Code- Excl09)","Breach of law: (Code-Excl10)","Excluded Providers: (Code-Excl11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Treatments received in health hydros, nature cure clinics, spas or similar establishments","Dietary supplements and substances that can be purchased without prescription","Refractive Error (Code-Excl15)","Unproven Treatments (Code- Excl16)","Sterility and Infertility (Code-Excl17)","Maternity (Code- Excl18)","foreign invasion, act of foreign enemies, hostilities, warlike operations","ionizing radiation or contamination by radioactivity","Stem cell implantation/Surgery, harvesting, storage or any kind of Treatment using stem cells except as provided for in clause 3.6 (12) above; growth hormone therapy","Congenital External Diseases or Defects or anomalies","Routine eye-examination expenses, cost of spectacles, contact lenses; Cost of hearing aids","Intentional self-inflicted Injury, attempted suicide","Treatments including Rotational Field Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP)","Dental treatment or surgery of any kind unless necessitated by disease or accident and requiring hospitalisation","Artificial life maintenance including life support machine use","Any item(s) or treatment specified in ‘List of Non-Medical Expenses– Payable/Non-Payable’","Any expenses incurred on OPD (Out-Patient) Treatment","Vaccinations or inoculations of any kind, except when required as part of hospitalisation or a daycare procedure for treatment following an animal bite"],"display":"Standard permanent exclusions Excl04 to Excl18, plus specific permanent exclusions including war, nuclear/radiation, certain stem-cell/growth hormone therapy, congenital external defects, routine eye/hearing aids, self-inflicted injury, RFQMR/ECP/EECP, dental unless specified, life support in vegetative state, non-medical expenses, OPD and vaccinations except specified cases","note":"Excl12 appears as a separate printed code immediately after the alcoholism/drug/substance abuse exclusion.","quote":"Investigation & Evaluation (Code-Excl04) ... Rest Cure, Rehabilitation and Respite Care (Code-Excl05) ... Obesity/ Weight Control (Code-Excl06) ... Change-of-Gender treatments (Code-Excl07) ... Cosmetic or Plastic Surgery (Code-Excl08) ... Hazardous or Adventure sports (Code- Excl09) ... Breach of law: (Code-Excl10) ... Excluded Providers: (Code-Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. (Code-Excl13) ... Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalisation claim or day care procedure. (Code-Excl14) ... Refractive Error (Code-Excl15) ... Unproven Treatments (Code- Excl16) ... Sterility and Infertility (Code-Excl17) ... Maternity (Code- Excl18) ... 4.17 All expenses caused by or arising from or attributable to foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped power. 4.18 All Illness/expenses caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or from any nuclear waste from the combustion of nuclear fuel nuclear, chemical or biological attack. 4.19 Stem cell implantation/Surgery, harvesting, storage or any kind of Treatment using stem cells except as provided for in clause 3.6 (12) above; growth hormone therapy. 4.20 Congenital External Diseases or Defects or anomalies. 4.21 a) Routine eye-examination expenses, cost of spectacles, contact lenses; b) Cost of hearing aids; 4.22 Intentional self-inflicted Injury, attempted suicide. 4.23 Treatments including Rotational Field Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP). 4.24 Dental treatment or surgery of any kind unless necessitated by disease or accident and requiring hospitalisation 4.25 Artificial life maintenance including life support machine use, from the date of confirmation by the treating doctor that the patient is in a vegetative state 4.26 Any item(s) or treatment specified in ‘List of Non-Medical Expenses– Payable/Non-Payable’ as per Annexure – 1 and available on Company web site also, unless specifically covered under the Policy. ... 4.27 Any expenses incurred on OPD (Out-Patient) Treatment 4.28 Vaccinations or inoculations of any kind, except when required as part of hospitalisation or a daycare procedure for treatment following an animal bite.","sources":[{"clause":"4.2","heading":"Investigation & Evaluation (Code-Excl04)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-2-2"},{"clause":"4.3","heading":"Rest Cure, Rehabilitation and Respite Care (Code-Excl05)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-3"},{"clause":"4.4","heading":"Obesity/ Weight Control (Code-Excl06)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-4"},{"clause":"4.5","heading":"Change-of-Gender treatments (Code-Excl07)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-5"},{"clause":"4.6","heading":"Cosmetic or Plastic Surgery (Code-Excl08)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-6"},{"clause":"4.7","heading":"Hazardous or Adventure sports (Code- Excl09)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-7"},{"clause":"4.8","heading":"Breach of law: (Code-Excl10)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-8"},{"clause":"4.9","heading":"Excluded Providers: (Code-Excl11)","page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-9"},{"clause":"4.10","heading":null,"page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-10"},{"clause":"4.11","heading":null,"page":14,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-11"},{"clause":"4.12","heading":null,"page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-12"},{"clause":"4.13","heading":"Refractive Error (Code-Excl15)","page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-13"},{"clause":"4.14","heading":"Unproven Treatments (Code- Excl16)","page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-14"},{"clause":"4.15","heading":"Sterility and Infertility (Code-Excl17)","page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-15"},{"clause":"4.16","heading":"Maternity (Code- Excl18)","page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-4-16"},{"clause":"C","heading":"SPECIFIC PERMANENT EXCLUSIONS","page":15,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-c"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days’ written notice. The insurer refunds proportionate premium for the unexpired policy period if no claim is reported during the policy period.","display":"7 days’ written notice; proportionate refund for unexpired period if no claim reported","note":null,"quote":"The policyholder may request for cancellation of the policy by giving 7 days’ written notice. The Insurer shall refund proportionate premium for unexpired policy period, if there is no claim (s) reported during the policy period.","sources":[{"clause":"5.7(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-7-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"This policy covers only medical or surgical treatment taken in India, and admissible claims are payable only in Indian Rupees.","display":"India only; claims payable in Indian Rupees","note":null,"quote":"a) This Policy covers only medical/surgical treatment taken in India.\nb) Admissible claims shall be payable only in Indian Rupees.","sources":[{"clause":"5.21","heading":"Territorial Limit","page":19,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-21"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to new policies, not renewals or porting/migration.","quote":"The free look period shall be applicable on new Super Top-up Medicare policies and not on renewals or at the time of porting/migrating the policy. The Insured shall be allowed a free look period of 30 days from the date of receipt of the policy, whether received electronically or otherwise, to review the terms and conditions of the policy and to return the same if not acceptable.","sources":[{"clause":"5.6","heading":"Free Look Period","page":17,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly mode; 30 days in all other cases","note":"The renewal clause also states the policy can be renewed within the Grace Period of 30 days at the end of the policy period.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"13","heading":"Grace Period","page":5,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-13"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Any person aged between 18 years and 65 years can take the insurance. Dependent children between 91 days and 18 years can be covered if either or both parents are covered concurrently; children above 18 years can continue with parents until they complete 26 years if unmarried, unemployed and dependent.","display":"Adults: 18 to 65 years; dependent children: 91 days to 18 years with parent covered","note":"The upper age limit will not apply to mentally challenged children.","quote":"Any person aged between 18 years and 65 years can take this insurance for himself/herself and his/her family ... Dependent children between the age of 91 days and 18 years shall be covered provided either or both parents are covered concurrently. Children above 18 years will continue to be covered along with parents till they complete 26 years and provided they are unmarried/unemployed and dependent.","sources":[{"clause":"3(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17231#c-3-a"},{"clause":"3(b)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17231#c-3-b"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The documents state that full premium must be paid before commencement and that premium can be paid online, but do not state yearly, half-yearly, quarterly or monthly frequency options.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Daily Cash Allowance on Hospitalisation"],"display":"Daily Cash Allowance on Hospitalisation","note":"Limits depend on threshold: Rs. 500, Rs. 1000 or Rs. 2000 per day, with per policy period caps.","quote":"C. Optional Cover: ... Daily Cash Allowance on Hospitalisation","sources":[{"clause":"3.6","heading":"Modern Treatment Methods & Advancement in Technologies","page":12,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-3-6"},{"clause":"3.7","heading":"Daily Cash Allowance on Hospitalisation","page":13,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-3-7"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period.","display":"Coverage is not available during the grace period","note":null,"quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. Coverage is not available during the grace period.","sources":[{"clause":"5.10","heading":"Renewal of Policy","page":17,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-10"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"quote-verified","value":"The policy uses a Threshold, defined as a deductible that applies before benefits are payable and does not reduce the sum insured. Threshold options printed with fresh proposal sum insured choices are 2 Lacs, 3 Lacs, 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs and 25 Lacs, with 2 lacs and 3 lacs not available for fresh proposals.","display":"Threshold/deductible options: Rs. 2 Lacs, 3 Lacs, 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 25 Lacs; 2 and 3 lacs not for fresh","note":"The threshold is applicable in aggregate during the policy period.","quote":"Threshold means deductible which is a cost sharing requirement under the Policy that provides that the Insurer will not be liable for a specified rupee amount which will apply before any benefits are payable by the Insurer. It does not reduce the sum insured. ... THRESHOLD LIMIT | SUM INSURED\n2 Lacs | 3 Lacs, 5 Lacs\n3 Lacs | 3 Lacs, 5 Lacs, 7 Lacs\n5 Lacs | 5 Lacs, 10 Lacs, 15 Lacs, 20 Lacs, 45 Lacs, 70 Lacs, 95 Lacs\n10 Lacs | 10 Lacs, 15 Lacs, 20 Lacs, 40 Lacs, 65 Lacs, 90 Lacs\n15 Lacs | 15 Lacs, 35 Lacs, 60 Lacs, 85 Lacs\n20 Lacs | 20 Lacs, 30 Lacs, 55 Lacs, 80 Lacs\n25 Lacs | 25 Lacs, 50 Lacs, 75 Lacs\n* Threshold: 2 lacs & 3 lacs not available for Fresh.","sources":[{"clause":"B","heading":"SPECIFIC DEFINITIONS","page":8,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-b"},{"clause":"5","heading":"SUM INSURED","page":2,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17231#c-5"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"quote-verified","value":"aggregate","display":"aggregate","note":null,"quote":"The deductible is applicable in aggregate towards hospitalisation expenses incurred during the policy period by Insured (individual policy) or Insured family (in case of floater policy).","sources":[{"clause":"10","heading":"Deductible","page":5,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-10"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"Room, boarding and nursing expenses are covered as part of in-patient hospitalisation expenses, all inclusive, as provided by the hospital or nursing home.","display":"Room, Boarding and Nursing expenses (all inclusive) as provided by the Hospital/Nursing Home","note":"No separate daily rupee room-rent cap is printed in this clause.","quote":"Room, Boarding and Nursing expenses (all inclusive) incurred as provided by the Hospital/Nursing Home including nursing care, RMO charges, Patient’s Diet Charges, IV Fluids/Blood transfusion/injection administration charges and similar expenses.","sources":[{"clause":"3.1","heading":"In-patient Hospitalisation Expenses Cover","page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-3-1"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"quote-verified","value":"No co-payment.","display":"No co-payment","note":"The policy has a deductible/threshold and sub-limits; this answer is only about co-payment.","quote":"No co-payment","sources":[{"clause":"27","heading":"Vaccinations or inoculations of any kind, except when required as 4.28","page":4,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17232#c-27"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility is available for the first claim once evidence shows cumulative medical expenses exceed the threshold, and for subsequent claims as usual, subject to pre-authorisation by the TPA. It is available in network provider/PPN hospitals.","display":"Available in network provider/PPN hospitals, subject to TPA pre-authorisation","note":null,"quote":"For the first claim under the Policy (i.e., the claim in which cumulative medical expenses exceeds the threshold) cashless facility shall be available provided all evidences and documents are produced prior to cashless authorization, to substantiate that the Cumulative Medical Expenses exceeds the Threshold. For all subsequent claims under the Policy cashless facility shall be available as usual, subject to sl. no ii to ix below. ... Cashless facility for treatment shall be available to the Insured in hospitals subject to pre-authorization by TPA. ... The booklet containing a list of network provider/PPN hospitals shall be provided by the TPA.","sources":[{"clause":"5.22(b)(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-22-b-i"},{"clause":"5.22(b)(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-22-b-ii"},{"clause":"5.22(b)(iii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-22-b-iii"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims servicing, admissions and assessments are by a TPA through cashless pre-authorisation or processing of claims, but the TPA services do not include claim settlement or claim rejection.","display":"TPA services claims processing/pre-authorisation; settlement and rejection are not TPA services","note":null,"quote":"Services Offered by TPA Servicing of claims i.e. claim admissions and assessments, under this Policy by way of pre-authorization of cashless treatment or processing of claims, as per the terms and conditions of the policy. The services offered by a TPA shall not include\ni ii | . Claim settlement and claim rejection;","sources":[{"clause":"5.22(b)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-5-22-b-2"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Yes, Family Floater Sum Insured basis","note":null,"quote":"The Policy provides cover on an Individual or Family Floater Sum Insured basis. A separate Sum Insured for each Insured Person, as specified in the Policy Schedule is provided under Individual Sum Insured basis while under Family Floater Sum Insured basis, the Sum Insured limit is shared by the whole family of the Proposer as specified in the Policy Schedule and Our total liability for the family cannot exceed the Sum Insured in a Policy period.","sources":[{"clause":"3","heading":"COVERAGE A. Cover Type","page":9,"url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264#c-3-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Health - Super Top-up Medicare Policy (UIN UIIHLIP26049V042526)","pages":30,"fetched_at":"2026-10-17 20:08:33+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Policy%20Wordings%20-%20STUMP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17264"},{"kind":"wording","label":"Super Top Up Medicare Policy (IRDAI copy)","pages":12,"fetched_at":"2026-10-20 02:23:43+00","source_url":"https://irdai.gov.in/documents/37343/931203/Super_Top_Up_Medicare_Policy_2013-2014.pdf/123bad3a-83ee-6449-6d74-36c57dcac08f?version=1.1&t=1668251774017&download=true","url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/28210"},{"kind":"prospectus","label":"Health - Super Top-up Medicare Policy (UIN UIIHLIP26049V042526)","pages":17,"fetched_at":"2026-10-17 20:07:20+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Prospectus%20-%20STUMP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17231"},{"kind":"cis","label":"Health - Super Top-up Medicare Policy (UIN UIIHLIP26049V042526)","pages":9,"fetched_at":"2026-10-17 20:07:33+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/CIS%20-%20STUMP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/17232"},{"kind":"premium","label":"Health - Super Top-up Medicare Policy (Excl GST) (UIN UIIHLIP26049V042526)","pages":null,"fetched_at":"2026-10-17 20:06:06+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Rate%20Chart%20%28excl.%20GST%29%20-%20STUMP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/31907"},{"kind":"premium","label":"Health - Super Top-up Medicare Policy (Incl GST) (UIN UIIHLIP26049V042526)","pages":null,"fetched_at":"2026-10-17 20:06:19+00","source_url":"https://uiic.co.in/web/sites/default/files/Policy-Document/Rate%20Chart%20%28incl%20GST%29%20-%20STUMP.pdf","url":"https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526/document/31909"}],"versions":[{"uin":"IRDA/NL-HLT/UII/P-H/V.I/233/13-14","version":null,"approved_on":null},{"uin":"UIIHLIP26049V042526","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"United India Insurance official website","url":"https://www.uiic.co.in","note":"Website as listed by IRDAI. Not checked: the site refused our crawler (HTTP 403) on 2026-10-19."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Super Top-up Medicare Policy (UIN UIIHLIP26049V042526), IndiaInsurances, https://indiainsurances.com/policy/united-india-insurance/super-top-up-medicare-policy-uiihlip26049v042526"}