Offering Personal Hands on Service and Support!

US Insurance Agency is a firm of proven, caring, conscientious professionals; the kind of people you can depend on. With our many years of experience, we understand that each policy holder is different and we pride ourselves of finding the right policy for you. US Insurance Agency is an independent insurance agency. We do not work for just one specific insurance company, we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment. We work with a group of carefully selected, financially sound, reputable insurance companies, and we place your coverage with the company offering the coverage you need at the most affordable premium available. Although we are located in Newton, NJ we offer unparalleled service and competitive quotes to clients throughout the entire State New Jersey!

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SENIOR CITIZEN INSURANCE PLAN

We offer coverage from the age of 61 years above.
You and/or your spouse can be covered under the policy on individual sum insured basis. (we offer a family discount of 5% if both you & spouse are covered)
Your premium at renewal may change due to a change in your age or changes in the applicable tax rate.
The policy period options include period of 1 or 2 years(s). (We offer 7.5% discount if you opt for a 2 year policy)

Plan Benefits

In-Patient Hospitalisation - Covers medical expenses for hospitalisation for more than 24 hrs.
Pre-Hospitalisation - The medical expenses that you incur due to illness during 30 days immediately before you are hospitalised.
Post-Hospitalisation - The medical expenses you incur in the 60 days immediately after you are discharged from hospital.
Day-Care Procedures - The medical expenses for enlisted 140 day-care procedures, which do not require 24 hours hospitalization due to technological advancement, are covered.
Domiciliary Treatment - The treatment expenses involved in getting a treatment done at home which otherwise would need hospitalization.
Organ Donor - Treatment expenses for the organ donor at the time of organ transplant.
Emergency Ambulance - Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).
E-Opinion in Case of Critical Illness(optional) - A second opinion will be arranged from a medical practitioner who is in the Apollo Munich panel (One opinion per policy year).
Copayment applicable on room rent type & specific illness & surgeries.

Others Benefits

Cumulative Bonus - You get a Cumulative Bonus (CB) of 5% for every claim-free policy year provided policy is renewed with us without a break.
Cashless Service - You need to obtain a pre-authorization for all planned admissions atleast 48 hours prior to actual admission or regularize any emergency admission within 24 hours post the admission. The details of the process and the documentation requirements are given in the guide-book sent along with the policy.
Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the sum insured waiting period will apply afresh in relation to the amount by which the sum insured has been enhanced. However, the quantum of increase shall be at the discretion of the company.
Portability - If you are insured with some other company’s health insurance and you want to shift to us on renewal, you can. Our portability policy is customer friendly and aims to achieve the transfer of most of the accrued benefits and makes due allowances for waiting periods etc.
Tax Benefits - With Optima Senior Plan, you can presently avail tax benefits for the premium amount under Section 80D of the Income Tax Act. (Tax benefits are subject to changes in Tax Laws)

Optima senior offers lifelong renewability i.e there is no maximum cover ceasing age in this policy.
Grace Period of 30 days for renewing the policy is provided under this policy.
Waiting periods as mentioned in the policy wordings gets reduced by 1 year on every continuous renewal of your Optima senior policy.
Renewal premium are subject to change with prior approval from IRDA. Any change in benefits or premium (other than due to change in age) will be done with the approval of the IRDA and will be intimated atleast 3 months in advance.

All treatments within the first 30 days of cover except any accidental injury.
Any pre-existing condition will be covered after a waiting period of 3 years.
2 years waiting period for specific diseases like cataract, hernia, joint replacement surgeries, surgery of hydrocele etc.
Expenses arising from HIV or AIDS and related diseases.
Congenital diseases, mental disorder or insanity, cosmetic surgery and weight control treatments.
Abuse of intoxicant or hallucinogenic substances like intoxicating drugs and alcohol.
Hospitalisation due to war or an act of war or due to a nuclear, chemical or biological weapon and radiation of any kind.
Pregnancy, dental treatment, external aids and appliances unless covered under the Plan.
Items of personal comfort and convenience.
Experimental, investigative and unproven treatment devices and pharmacological regimens
Please refer to the Policy Wording for the complete list of exclusions. More information in benifits.Best way of insurance.

Apollo Personal Accident Standard Insurance Plan

Personal Accident Standard Insurance Plan
Just a thought about an accident is enough to give goosebumps especially, when one is the only earning member in the family. Apollo Munich individual personal accident policy offers the best way to mitigate the risk from unforeseen emergencies in life.

It also offers the policyholder benefits like family transportation, education fund, purchase of blood, emergency ambulance cover, and many more.

The policy is available in two variants – Standard and Premium, and can be issued to an individual or family, wherein the family may include spouse, dependent children and dependent parents.

It has the maximum entry age of 69years and the maximum sum insured available above 70years of age is Rs. 5, 00, 000.

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Health Insurance Plans

Health Insurance Plans
Thanks to sedentary lifestyle, health insurance has become a necessity for every individual in the last few years. This is also the reason 'people are genuinely concerned about their health'. As a result, they give right amount of thoughts at the time when they are considering to buy health insurance policy.

To elaborate on the shift in mindset, an individual has started looking at the broader aspect of their life and its health care needs. And the best part is that they have started accepting the fact that they actually do need health insurance, however the reasons may vary from one person to another.

Apollo Munich Health Insurance offers the best health insurance plans in India today, for men and women of any age. Apollo Munich offers individual health insurance plans, family floater health insurance plans and group health insurance policies for corporates. Ranging from Easy Health to Optima Restore to Energy, these health insurance policies will not only guard you against the present and future spiraling healthcare costs, but will also guide you on the path to wellness for the long term.

Apollo Munich has also come up with an outpatient health insurance plan called Day2Day Care that covers you for unlimited doctor consultations at network centres and outpatient medical costs including pharmacy, diagnostic tests, vaccination and physiotherapy.

Apollo Munich Health Insurance has received numerous positive reviews and ratings for its health insurance plans and policies, which have been ranked as the best plans in the health insurance industry by several of India's most popular publications such as "The Economic Times" and "The Hindustan Times". The company offers its products through a network of 50+ offices, well trained sales partners and directly through its call center, website and in-house sales force.

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Apollo Health Insurance

Our first of a kind Optima Restore plan offers a unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.


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Claims Approved


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Premium starting at
5,678
/ year with 3 Lakh Cover
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Plan Benefits
1. In-Patient Hospitalisation
The medical expenses for coverage for hospitalization of more than 24 hrs.

2. Pre-Hospitalisation
The medical expenses that you incur due to illness during the 60 days immediately before you are hospitalised.

3. Post-Hospitalisation
The medical expenses you incur in the 90 days immediately after you are discharged from hospital.

4. Day-Care Procedures
The medical expenses for all day-care procedures, which do not require 24 hours hospitalization due to technological advancement, are covered.

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5. Domiciliary Treatment
The treatment expenses involved in getting a treatment done at home which otherwise would need hospitalization.

6. Organ Donor
Treatment expenses for the organ donor at the time of organ transplant.

7. Daily Cash for Choosing Shared Accommodation
A lump sum amount given for selecting a shared room in a network hospital.

8. Emergency Ambulance
Expenses incurred if ambulance service is used on the way to hospital for hospitalization (up to Rs. 2000).

9. Ayush Benefit
The Medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy.

10. Health Check-up
A comprehensive health check-up involving a number of medical tests only once at the end of a block of four continuous claim free policy years.

11. Recovery Benefit
Lump sum benefit of Rs. 10000, if hospitalisation is for greater than 10 days - (For sum insured 15 lacs & above)

12. Stay Active Benefit
In order to encourage Insured members to stay healthy, we will offer a discount at each renewal if the insured member achieves the average step count target on the mobile application provided by us in the specified time interval (calculated from the policy risk start date).

13. Additional Cover for Critical Illness (optional)
You can opt for an additional cover for Critical Illness which covers for cancer, coronary artery (bypass) surgery, first heart attack (myocardial infarction), kidney failure (end-stage renal disease), major organ transplantation, multiple sclerosis, paralysis and stroke. The sum insured for Critical Illness can be either 50% or 100% of your basic sum insured subject to minimum of Rs. 100,000.

14. Additional Cover for Critical Advantage Rider (optional)
You can opt to cover yourself worldwide at our network centers against treatment expenses for 8 major illnesses that include Cancer, Coronary Artery by-pass surgery, Heart Valve replacement / repair, Neurosurgery, Live Donor Organ Transplant, Bone Marrow Transplant, Pulmonary artery graft surgery and Aorta Graft Surgery. The rider offers you freedom to not only avail best healthcare services world over but also covers all travel costs for the insured and accompanying relative, accommodation expenses, second opinion & post hospitalization expenses. This rider will be offered where base policy Sum Insured is Rs.10 lacs & above. This rider can be issued to an individual and/or family only on individual Sum Insured basis.

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LIC’s NEW ENDOWMENT PLAN (UIN: 512N277V01)LIC's New Endowment Plan is a participating non-linked plan which offers an attractive combination of protection and saving features. This combination provides financial support for the family of the deceased policyholder any time before maturity and good lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.

1. Benefits:
Death benefit:
In case of death during the policy term provided all due premiums have been paid Death benefit, defined as sum of "Sum Assured on Death" and vested Simple Reversionary Bonuses and Final Additional bonus, if any, shall be payable. Where, “Sum Assured on Death” is defined as higher of Basic Sum Assured or 10 times of annualised premium. This death benefit shall not be less than 105% of all the premiums paid as on date of death.

Where premiums exclude service tax, extra premium and rider premiums, if any.

Maturity Benefit: Basic Sum Assured, along with vested simple reversionary bonuses and Final Additional bonus, if any, shall be payable in lump sum on Survival to the end of the policy term provided all due premiums have been paid.

Participation in Profits: The policy shall participate in profits of the Corporation and shall be entitled to receive Simple Reversionary Bonuses declared as per the experience of the Corporation, provided the policy is in full force.

Final (Additional) Bonus may also be declared under the policy in the year when the policy results into a claim either by death or maturity, provided the policy has run for certain minimum term.

2. Optional Benefit:
LIC’s Accidental Death and Disability Benefit Rider: LICs Accidental Death and Disability Benefit Rider is available as an optional rider by payment of additional premium. In case of accidental death, the Accident Benefit Sum Assured will be payable as lumpsum along with the death benefit under the basic plan. In case of accidental permanent disability arising due to accident (within 180 days from the date of accident), an amount equal to the Accident Benefit Sum Assured will be paid in equal monthly installments spread over 10 years and future premiums for Accident Benefit Sum Assured as well as premiums for the portion of Basic Sum Assured which is equal to Accident Benefit Sum Assured under the policy, shall be waived.

More information:Health insurance

SINGLE PREMIUM ENDOWMENT HEALTH INSURANCE

LIC's SINGLE PREMIUM ENDOWMENT PLAN (UIN: 512N283V01)LIC's Single Premium Endowment Plan is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. This combination provides financial protection against death during the policy term with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility.

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Jeevan Labh Health Insurance

LIC's Jeevan Labh is a limited premium paying, non-linked, with-profits endowment plan which offers a combination of protection and savings. This plan provides financial support for the family in case of unfortunate death of the policyholder any time before maturity and a lump sum amount at the time of maturity for the surviving policyholder. This plan also takes care of liquidity needs through its loan facility.
1.      Benefits:
Death benefit:
In case of death during the policy term, provided all due premiums have been paid, Death benefit, defined as sum of "Sum Assured on Death",vested Simple Reversionary Bonuses and Final Additional bonus, if any, shall be payable. Where, "Sum Assured on Death" is defined as the higher of 10 times of annualised premium or Absolute amount assured to be paid on death i.e. Basic Sum Assured . This death benefit shall not be less than 105% of all the premiums paid as on date of death.
Premiums referred above shall not include any taxes, extra amount chargeable under the policy due to underwriting decision and rider premium(s), if any.

Maturity Benefit:

"Sum Assured on Maturity" equal to Basic Sum Assured, along with vested Simple Reversionary bonuses and Final Additional bonus, if any, shall be payable in lump sum on survival to the end of the policy term provided all due premiums have been paid.

Participation in Profits:
The policy shall participate in profits of the Corporation and shall be entitled to receive Simple Reversionary Bonuses declared as per the experience of the Corporation, provided the policy is in full force.
Final (Additional) Bonus may also be declared under the policy in the year when the policy results into a claim either by death or maturity.

2.      Optional Benefit:
The policyholder has an option of availing the following Rider benefit(s):LIC's Accidental Death and Disability Benefit Rider (UIN: 512B209V01)LIC's New Term Assurance Rider (UIN: 512B210V01)Rider sum assured cannot exceed the basic sum assured.
For more details on the above riders, refer to the rider brochure or contact LIC'snearest Branch Office.

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Jeevan pragati Health insurance

LIC's Jeevan Pragati Plan is a non-linked, with - profits plan which offers a combination of protection and savings. This plan provides for automatic increase in risk cover after every five years during the term of the policy. In addition, this plan also takes care of liquidity needs through loan facility.  1. Benefits:

Death benefit : In case of death during the policy term, provided all due premiums have been paid, Death benefit, defined as sum of "Sum Assured on Death ", vested Simple Reversionary Bonuses and Final Additional bonus, if any, shall be payable. Where "Sum Assured on Death" is defined as the higher of 10 times of annualised premium or Absolute amount assured to be paid on death i.e. 100% of the Basic Sum Assured during first 5 policy years, 125% of the Basic Sum Assured during 6th to 10th policy years, 150% of the Basic Sum Assured during 11th to 15 th policy years and thereafter 200% of the Basic Sum Assured.

This death benefit shall not be less than 105% of all the premiums paid as on date of death.

Premiums referred above shall not include any taxes, extra amount chargeable under the policy due to underwriting decision and rider premium, if any.

Maturity Benefit: "Sum Assured on Maturity" equal to Basic Sum Assured, along with vested Simple Reversionary bonuses and Final Additional bonus, if any, shall be payable in lump sum on survival to the end of the policy term provided all due premiums have been paid.

Participation in Profits : The policy shall participate in profits of the Corporation and shall be entitled to receive Simple Reversionary Bonuses declared as per the experience of the Corporation, provided the policy is in force. The Bonuses shall be declared on the Basic Sum Assured.

Final Additional Bonus may also be declared under the policy in the year when the policy results into a claim either by death or maturity.

2. Optional Rider:
The policyholder has an option of availing LIC's Accidental Death and Disability Benefit Rider (UIN: 512B209V01). Rider sum assured cannot exceed the Basic Sum Assured.

For more details on the above riders, refer to the rider brochure or contact LIC's nearest Branch Office.

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