Question 1

What is scope of coverage under Family Medicare Policy?

Accepted Answer

Family Medicare Policy by United India Insurance provides coverage for in-patient hospitalisation, day care procedures, pre & post hospitalisation expenses, and numerous other expenses that are otherwise hard to manage.

Question 2

What are the coverage types available with Family Medicare Policy?

Accepted Answer

As the name suggests, Family Medicare Policy can be availed on family floater basis, covering all the members of a family under a single sum insured.

Question 3

What is the sum insured range for Family Medicare Policy?

Accepted Answer

The sum insured range for Family Medicare Policy is Rs. 2 Lakh to Rs. 10 Lakh per family. Policyholders already covered for Rs. 1 Lakh and Rs. 1.5 Lakh will have their coverage continued at the same level on the basis of the option chosen by the insured. Note that the sum insured slabs come in multiples of Rs. 50,000 up to Rs. 5 Lakh and in multiples of Rs. 1 Lakh from Rs. 5 Lakh to Rs. 10 Lakh.

Question 4

What is the policy term for Family Medicare Policy?

Accepted Answer

The policy term for Family Medicare Policy is 1 year.

Question 5

What is the eligibility criteria for Family Medicare Policy?

Accepted Answer

For Family Medicare Policy, while the minimum entry age is 3 months, the maximum age of entry is 80 years.

Question 6

Can children be covered under Family Medicare Policy?

Accepted Answer

Yes! You can cover dependent children between the age of 3 months and 18 years. The condition is that either or both parents should be covered concurrently under the policy. Children above 18 years can be covered along with parents if they are unmarried/unemployed and dependent.

Question 7

Does Family Medicare Policy cover organ donor expenses?

Accepted Answer

Under Family Medicare Policy, all hospitalisation expenses (excluding cost of organ, if any) incurred for donor with regards to organ transplant to the insured are covered.

Question 8

Is domiciliary hospitalisation covered under Family Medicare Policy?

Accepted Answer

No! Family Medicare Policy does not provide cover for domiciliary hospitalisation.

Question 9

Are there any renewal benefits associated with Family Medicare Policy?

Accepted Answer

Yes! On buying Family Medicare Policy, a policyholder becomes eligible for No Claim Discount of 3% after 3 continuous claim free years on renewal premium and for every subsequent claim free years, subject to maximum of 15%. Expenses of Health Check-up will be reimbursed once at the end of every 3 continuous years of insurance provided no claims are reported during the block, up to 1% of average sum insured of previous 3 policies.

Question 10

Does Family Medicare Policy come with the feature of tax benefits?

Accepted Answer

Yes! Policyholders can avail tax rebate according to Income Tax rules under Section 80D.

Question 11

What are the waiting periods in Family Medicare Policy?

Accepted Answer

Family Medicare Policy comes with the following waiting periods:        Waiting period for pre-existing diseases: 48 months    Waiting period for specific diseases: 24 months or 48 months    Initial waiting period: 30 days

Question 12

Is pre-acceptance medical check-up required under this policy?

Accepted Answer

Yes. You might need to undergo a pre-acceptance medical check-up at the insurance company&rsquo;s discretion for all the members entering later than 60 years of age.

Question 13

Is there any sub-limit on cataract expenses covered under this policy?

Accepted Answer

Yes. The policy covers you for expenses arising due to cataract treatment for up to 10% of the sum insured for up to a maximum of Rs. 50,000 per eye. The limit is applicable for every hospitalisation or surgery.

Claim Settlement	Dedicated Team
Claim Settlement Ratio	78.03%
COVID-19 Cover	Yes
Network Hospitals	7,000+
Policies Sold	11,82,067
Renewability	Lifelong

Name of Plan	Sum Insured
Individual Health Insurance PolicyMin: 91 Days; Max: 65 YearsPopular	2 Lakh	Check Premium
UNI Criticare PolicyMin: 21 Years; Max: 65 Years	1 Lakh	Check Premium
Family Medicare PolicyMin: 3 Months; Max: 80 Years	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium

Name of Plan	Sum Insured
Super Top Up Medicare PolicyMin: 3 Months; Max: 80 Years	3 Lakh	Check Premium

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What is scope of coverage under Family Medicare Policy?

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What is the sum insured range for Family Medicare Policy?

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