<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=7698356820180471&ev=PageView&noscript=1" />
United India

United India

Medicare Super Top-up

While it is a decent super top up option, you don't really get a disproportionately large cover since the plan only allows you to top up your base policy by about 15 lakhs tops. So if you are ever hospitalized for a complicated condition, then the cover might not suffice.

What's good here?

coPay

You’ll never have to split the bill

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.

Learn More
roomRent

You can pick any room you like

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.

Learn More
ayush

Some Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay up to 100% of the cover in case you’re availing these treatments.

Learn More
diseaseSublimit

Your insurer won’t pay the full bill for certain diseases

Modern Treatments have limits

Learn More

What's bad here?

ped

Long waiting period for pre-existing diseases

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 only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

Learn More
prePost

Pre & Post hospitalization

Not Covered

Learn More

What's lacking here?

restoration

No Restoration Benefit

Some policies will tell you - Even after you claim part of the cover on one occasion, you will have the full cover restored, if you are hospitalized another time during the same year. So if you have a family cover and multiple members of the family are hospitalized in the same year, this feature will come in handy. Unfortunately, this policy offers no such benefit.

Learn More
ncb

No Bonus for being healthy and not claiming insurance

Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.

Learn More
healthCheckup

Your insurer doesn’t provide free health check-ups

If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself.

Learn More

Frequently Asked Questions

Yes. Medicare Super Top-up imposes 2 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Pre-Existing Disease Waiting Period: There's a 4-year waiting period for any pre-existing disease you may have while buying the policy.
talk to us

Talk to IRDAI-certified experts

Health is tricky, and insurance trickier. But we’ll simplify it for you - for FREE! Book a call now. Limited slots available.

Related Policies

United India
United India

Senior Citizen Plan

United India
United India

Individual Platinum Plan

United India
United India

Family Medicare