United India Family Medicare Insurance Plan

Product Overview

United India - Family Medicare Health Insurance Plan is an inpatient hospitalization policy, along with other host benefits like Ayurvedic treatments, day care procedures, health check-ups, etc.

Unique Features of United India Family Medicare Insurance Plan

• No Claim Discount - In the event the insured doesnot claim in 3 continuous years then a No claim discount on the premium will be applicable.
• Under this plan - Non-Allopathic Treatments - Ayurvedic, Unani and Homeopathic treatment will be covered under the policy.
• Under this plan Health Check ups will be covered under this policy.

Features of edit Edit Details

Critical features of United India Family Medicare Insurance Plan

• Room rent:
  Limits imposed towards room and ICU rent expenses

1. Room Rent Limit - 1% of the Sum Insured
2. ICU Limit - 2% of the sum Insured

• Co-Pay:
  Specific % of admissible claim amount to be borne by Insured

1. 10% co-payment/deductible is applicable for persons aged 60 years & more
2. Cataract sub limit-10% of the Sum Insured subject to a maximum of Rs.25,000/-
3. Hernia sub limit - 15% of the Sum insured subject to a maximum of Rs.30,000
4. Hysterectomy sub limit - 20% of the Sum Insured subject to a maximum of Rs.50,000/-
5. Cardiac surgeries, Cancer surgeries, Brain Tumour surgeries, Pacemaker implantation, Hip replacement, Knee joint replacement-70% of Sum insured subject to maximum of Rs.4 lacs.

• No Claim Bonus:
  Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
  This plan does not offer no claim bonus benefits. However,No claim discount of 3% after three continuous claim free years on renewal premium and for every subsequent claim free years subject to maximum of 15%.
• Pre-Existing Diseases:
  Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
  This plans has a waiting period of 4 years is case of pre-existing diseases

Eligibility Criteria

• Minimum Age of Entry:- Children- 3 months/Adult-18 years
• Maximum age of Entry:- 80 years
• Sum Insured:- Rs 50,000 - Rs 10 lakhs1 Lakhs to 5 Lakhs in increments of Rs.50,000 / 5 Lakhs to 10 Lakhs in increments of Rs.1 lakh
• Policy Tenure:- 1 year
• Premium Calculated on Basis of:- Age, (i.e. sum Insured Choosen)

Add-ons

• Ambulance Cover:
  Ambulance charges upto maximum of Rs.2500/- per policy period on payment of additional premium of Rs.100/-
• Daily Cash Allowance:
  Hospital daily cash benefit of Rs.250/500 per day subject to max. of 2500/5000 per hospitalization on payment of additional premium of Rs.150/300.

Exclusions

• Vaccination and Inoculation of any kind unless it is post-animal bite
• General debility and Run down conditions
• Circumcision, Cosmetic surgery, Plastic surgery.
• HIV/AIDS
• Psychiatric and psychosomatic disorders
• Injury arising out of drug/alcohol abuse
• Pregnancy, ailments related thereto and child birth
• War, act of foreign enemy, ionizing radiation and nuclear weapon.
• Naturopathy
• Experimental or unproven treatment
• All external equipments
• Dental treatments
• Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations

Note: Any claims arising out of or attributable to any of the following is not covered, Please refer policy T & C for a detailed list of exclusions.

Tax Benefits

The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.

Claim Process

In case you would like to know about the Claim Process or would like to register a Claim please click the link below

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