United India Family Medicare Policy

United India Insurance Company Limited was set up on 18th February in the year 1938. The company has a broad range of insurance products to offer insurance coverage and services for bullock carts to satellite. United India Family Medicare Policy can cover all the members of a family under one single Sum Insured. The policy also offers a No Claim Discount (NCD) for not filing any claim for continuous 3 years.

United India Family Medicare Policy Eligibility

  • Anyone between the age between 18 and 80 years can opt for Family Medicare Policy.
  • Children between the age of 3 months and 18 years can get covered under this policy given that either one or both parents are covered under the same policy.

Salient Features of United India Family Medicare Policy

  • Family including self, spouse and Dependent children can be covered under the same policy, under the same Sum Insured.
  • The Sum Insured for the policy ranges between Rs.1 lac to Rs.10 lacs in multiples of Rs.50, 000/- up to Rs.5 Lacs and from Rs.5 Lacs to Rs.10 Lacs in multiples of Rs.1 Lacs.

Coverage & Benefits of United India Family Medicare Policy

  • AYUSH Treatment is available if the treatment is undergoing at a Government Hospital or any medical institution recognized by the Government of India.
  • Free look period of 15 day available before the policy commencement.
  • Cashless facility can be availed at 7000+ network hospital across Pan India
  • Covers the expenses of specified and certain day care procedures that don’t require 24hours hospitalization.
  • Covers the expenses of room, boarding rent provided by the Hospital or Nursing Home.
  • Covers the expenses for nursing and other medical treatments.
  • Covers the costs of Surgeon, Medical Practitioner, Anaesthetist, Specialists, Consultants Fees
  • Pays for the expenses for Operation Theatre Charges, Oxygen, Blood, Anaesthesia, Surgical Appliances, Diagnostic Materials, X-ray, Medicines and Drugs.
  • Costs covered for such treatments like Chemotherapy, Dialysis, Expenses of Peacemaker, Artificial Limbs, Radiotherapy, and Cost of organs and other similar expenses.
  • Pre and Post hospitalization expenses for 30 days prior to hospitalization and 60 day after being discharged from the hospital.

Exclusion on United India Family Medicare Policy

  • All Pre-existing conditions up to 4 years of continuous coverage.
  • Any disease / illness that an insured person came in contact with during the first 30 days of policy commencement.
  • Dental treatments are not covered.
  • Cosmetic surgery, Plastic surgery, Circumcision.
  • Any experimental or unproven treatment.
  • Injuries from War / act of foreign enemy / radiation and nuclear weapon.
  • Naturopathy treatment is not covered under this policy.
  • Pregnancy, any ailments / sickness related pregnancy, child birth.
  • Any Injury resulting from drug / alcohol abuse.
  • For certain specified illness / treatment, a waiting period of 2 / 4 years.
  • Run down conditions and General debility is not covered.
  • HIV/AIDS or any other Sexually Transmitted Diseases.
  • Psychosomatic and Psychiatric disorders.