🏥 Coverage Benefits

• Hospitalization Expenses
  Covers room rent, ICU charges, nursing, doctor fees, medicines, and more.

• Pre-hospitalization Expenses
  Up to 30 days before hospitalization.

• Post-hospitalization Expenses
  Up to 60 days after discharge.

• Daycare Procedures
  Covers over 150+ daycare treatments that don’t require 24-hour hospitalization.

• AYUSH Treatment
  Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments in government-recognized hospitals.

• ICU Charges
  Covered up to 5% of sum insured per day or maximum ₹10,000 per day.

• Room Rent Limit
  2% of sum insured per day, subject to a maximum of ₹5,000.

• Ambulance Charges
  Up to ₹2,000 per hospitalization.

🔒 Other Policy Highlights

• Co-payment:
  5% of the claim amount is borne by the policyholder (for all ages).

• No-Claim Bonus (NCB):
  5% increase in sum insured every claim-free year, up to a maximum of 50%.

• Tax Benefits:
  Premium paid is eligible for tax deduction under Section 80D of the Income Tax Act.

• Cashless Treatment:
  Available at all UIIC empaneled network hospitals.

• Easy Online Purchase & Renewal:
  Can be bought and renewed through UIIC’s website or licensed agents.

❌ Exclusions (Not Covered)

• First 30 days waiting period (except accidents)

• Pre-existing diseases (covered after 48 months)

• Cosmetic treatments, dental treatments, infertility, maternity

• Injuries due to war, nuclear acts, or substance abuse

• Experimental/unproven treatments

📄 Documentation Required

• ID proof (Aadhaar, PAN)

• Age proof (Birth Certificate/School ID)

• Passport-size photo

• Proposal form

• Previous health records (if applicable)