Benefits covered under Union Smart Health

Plan Options
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8 Plan 9 *Plan 10 One Health Cover
For the entire family
100,000/- 200,000/- 300,000/- 400,000/- 500,000/- 750,000/- 1,000,000/- 1,250,000/- 1,500,000/- 2,000,000/-

Daily Hospital
Room and 2,000/- 4,000/- 6,000/- 8,000/- 10,000/- 10,000/- 10,000/- 10,000/- 10,000/- 10,000/-
Board Benefit
Daily ICU
Hospital
Room and 3,000/- 6,000/- 9,000/- 12,000/- 15,000/- 20,000/- 20,000/- 20,000/- 20,000/- 20,000/-
Board Benefit
Surgical
Benefit &
Miscellaneous
Hospital 70,000/- 140,000/- 210,000/- 280,000/- 350,000/- 525,000/- 700,000/- 875,000/- 1,050,000/- 1,400,000/-
Services and
Supplies
Benefit
**DailyHospital 500/- 1,000/- 1,500/- 2,000/- 2,500/- 3,750/- 5,000/- 6,250/- 7,500/- 10,000/-
Cash Benefit
Pre-
Hospitalization
Expenses 2,500/- 5,000/- 7,500/- 10,000/- 12,500/- 18,750/- 25,000/- 31,250/- 37,500/- 50,000/-
Benefit

Post-
Hospitalization
2,500/- 5,000/- 7,500/- 10,000/- 12,500/- 18,750/- 25,000/ 31,250/- 37,500/- 50,000/-
Expenses
Benefit

Day Care Covered, subject to a list of surgeries. Out-patient procedures or treatments are not covered under the plan.
Treatment

* Plan 10 is the overseas coverage for hospitalizations in India, Malaysia and Singapore.
** Hospitalization in a non-paying ward of a Public Government Hospital.

Benefit amount payable during the policy term

l In the 1st year : 60% of the sum assured is payable
l In the 2nd year : 80% of the sum assured is payable
l From the 3rd year onwards : 100% of the sum assured is payable

This is an information pamphlet only. Applicable rules and regulations will be detailed in the
insurance policy document
LIF 246 E

Union Assurance PLC. (PQ 12),

No. 20, St. Michaels Road, Colombo 03, Sri Lanka.
Customer Service : 0112 990 990 Fax: 0112 438 165
Email: unionassurance@ualink.lk Website: www.unionassurance.com
Facebook: www.facebook.com/unionassurance Lifeportal: http://lifeportal.ualink.lk smart health
 Your family means the world to you.
It is a bond that can never be broken.
That is why you suffer greatly when a family member falls ill. It is
natural that people fall ill unexpectedly. It is part of life. Therefore,
it is important that, you're well-prepared for that moment when a
member of your family suddenly falls ill or meets with an accident
and needs to be hospitalized.
Union Smart Health
Union Smart Health is a health insurance which reimburses
money you spend in case a loved one is hospitalized. Union Smart
Health can be added to Union Life Advantage as an extra protection.
It covers you and your family under one protection.
Smarter Features
Of Union Smart Health
Hassle Free Bill Payment
We will give you a "Cashless Card" & call us on the number given in the
card to get the benefit of cashless service at the time of hospitalization.
No Claim Bonus
Your Annual Limit will be increased by 25% in case of no claim in the
policy year, without any increase in premiums.
Revive Benefit
Your benefit will get reactivated (by 100% of annual limit) when your
annual limit is fully exhausted and hospitalized for a reason not related to
previous hospitalizations.
Family or Individual
You can select either Family Cover or Individual Cover as per your need.
Overseas Cover
Available for treatment within Sri Lanka, India, Singapore and Malaysia if
the cover sum assured is Rs. 2,000,000.
You can pay premiums annually / half-yearly / quarterly / monthly
Annually Half-yearly Quarterly Monthly
Minimum
Premium
Rs. 30,000 Rs. 18,000 Rs.9,000 Rs.3,500
* Please note that above figures indicate the total minimum premium required for the Union Life Advantage policy inclusive of Union Smart Health.
Maximum and Minimum Age at entry of Union Smart Health
Minimum Age at Entry Maximum Age at Entry
Children 03 Months 18 Years
Adults 18 Years 60 Years
Example : Annual Cover Annual Premium
The table depicts the expected premium you Rs.100,000 Rs.19,503
need to pay if your family is covered with Union
Rs.500,000 Rs.62,313
Smart Health for 15 years (Your age: 40 yrs,
Spouse: 38 yrs, Child 1: 7 yrs, Child 2: 5 yrs). Rs.1,000,000 Rs.98,251