United India Health Insurance for Family

Family Medicare Policy by United India is a type of health policy that covers all family members under a single sum insured. Available for a term of 1 year, the policy comes with several benefits, including extensive coverage, remote medical second opinion, no claim bonus, cashless treatment, tax benefits and so on. The cover is available for self, spouse, and dependent children under this policy.

Key Features

• Sum Insured ranges between Rs. 1 Lakh to Rs. 10 Lakh
• Cashless treatment up to specified limits in network hospitals
• The policy can be renewed annually throughout the lifetime
• No claim discount of 3% after three continuous claim-free years
• Enhancement of the sum insured at renewal
• A dedicated third-party claim settlement team
• Reimbursement of health check-up once at the end of every three continuous policy years

Scope of Coverage

• Inpatient hospitalisation, including room rent, nursing expenses, blood, ICU, etc.
• Cover for a remote medical second opinion for certain medical conditions
• Add-on covers for ambulance and hospital daily cash benefit
• Daycare procedures which require less than 24 hours hospitalization
• Pre hospitalisation 30 days before hospitalisation
• Post hospitalisation up to 60 days after discharge from the hospital
• Ayurvedic treatment if taken in government hospital or at a recognized hospital

Eligibility

The age of the proposer to buy the Family Medicare Policy should be between 18 and 80 years. Children between the age of 3 months and 18 years can be covered provided either or both parents are insured concurrently.

Exclusions

• Any disease occurred in the first 30 days from the policy start date
• Circumcision, plastic surgery and cosmetic surgery
• A waiting period of 2-4 years for some specified illnesses
• All pre-existing diseases not covered up to 48 months of continuous coverage
• Vaccination of any kind unless it is a post-animal bite

If you have any questions regarding the Family Medicare Policy, please call InsuranceDekho at 1800-120-5698.