Overview
The United India Medicare Super Top-up plan is a health insurance policy designed to provide additional coverage beyond an existing base health plan, with sum insured options up to ₹75 lakhs. It activates once the deductible (threshold) is exhausted, offering features such as no copayment, no room rent restrictions, and coverage of a wide range of medical expenses, making it suitable for individuals seeking enhanced financial protection against high medical bills.
Experts Review
Written by Ishita Jain
Editor
United India’s Medicare Super Top-up plan offers a substantial buffer amount of up to ₹75 lakhs, in addition to the base health insurance, providing robust financial protection against high-cost treatments.
Its standout features include no co-payment, meaning the insurer covers 100% of admissible claims after the deductible is met, and no restrictions on room rent, allowing insured members to choose any hospital room category without incurring extra costs. The policy also covers daycare procedures, organ donor expenses, and modern treatments, such as robotic surgeries, but with specific sub-limits, which limit its comprehensiveness.
However, as a public sector insurer, United India Insurance faces operational challenges, including slower claim processing and occasional customer service issues, which may affect the hassle-free settlement of claims. Premiums are generally competitive but may be slightly higher than those of private-sector super top-up plans offering similar or higher coverage limits.
Pros
Feature set is satisfactory.
Insurer has a solid track record with great claim and service metrics.
Cons
No Restoration Benefit, which is a notable gap.
No Bonus for being healthy and not claiming insurance, which could be a drawback for some.
Your insurer doesn’t provide free health check-ups, which is a key feature.
United India
Key Insights
Founded
1938
United India was established 87 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
94% claims settled in 30 Days
United India settles 94% of all claims it receives demonstrating strong credibility.
Network Hospitals
4,000+
United India has a limited network of 4,000 hospitals, which may restrict access to cashless services for policyholders.
Complaints
13 complaints per 10,000 claims registered
United India experiences a moderate number of complaints, indicating room for improvement in addressing customer concerns.
Features
All
Great
Good
Bad
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
Your insurance cover won’t be fully available in case you are treated for Modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 30 days before you are hospitalized and 60 days after discharge. This includes the cost of medication by the way.
Add-ons
Hospital Cash
Hospital cash benefit paid out if hospitalization is at least 1 day, with a maximum payout of ₹500-2000 for up to 10 days.
Hospital Cash
The insurer pays a lumpsum by adding a fixed sum (daily cash) every day until the day of discharge so you can deal with any potential loss in income during this time. The money will be reimbursed to you after you submit the required documents post-discharge, and while this looks like a neat benefit to have, we don’t recommend it since the benefit doesn’t compensate for the extra premium you pay.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
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.
Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded.
Diagnostic expenses not related or incidental to current diagnosis and treatment are excluded.
Expenses for admission primarily for bed rest and not for treatment are excluded.
Custodial care at home or in a facility for help with daily activities is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy .
Non-infective Arthritis
Piles, Fissures and Fistula-in-ano; Pilonidal sinus
Benign ENT disorders
Prolapse intervertebral Disc and Spinal Diseases (unless arising from accident)
Benign Prostatic Hypertrophy
Waiting Period
3 years Pre-existing disease waiting period
Ditto's Take
◦ ◦
What's missing in the policy
No Restoration Benefit.
No Bonus for being healthy and not claiming insurance.
Your insurer doesn’t provide free health check-ups.
No coverage if you are forced to hospitalize at home.
Maternity benefits not offered.
Doctor consultations are not covered.
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Frequently Asked Questions
Does Medicare Super Top-up have waiting periods?
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Medicare Super Top-up have room rent restrictions?
Does Medicare Super Top-up offer a restoration benefit?
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