• United India Family Medicare 2014 Health Insurance Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    United India Insurance Company Limited has been the forefront of designing and implementing complex covers to large customers. United India Family Medicare 2014 takes care of the expenses arising out of the hospitalisation of the life insured and his family members. Hospital expenses, day care treatment, Ayush treatment, pre-hospitalisation, post-hospitalisation, ambulance charges and cashless facilities are covered under this plan. This health insurance policy can be renewed throughout the lifetime of the life insured. Some diseases have waiting period to be covered.

    Features & Benefits of United India Family Medicare 2014:

    Entry age Minimum age – 18 years Maximum age – 80 years Children between the ages of 3 months and 18 years will be covered if the parents are covered.
    Coverage The following will be covered under this policy:
    • Hospital expenses:
    • Room, boarding and nursing expenses – not exceeding 1% of the sum insured or the actual expense, whichever is less
    • ICU expenses – not exceeding 2% of the sum insured or the actual expense, whichever is less
    • Surgeon, anaesthetist, medical practitioner, consultant and specialist’s fees.
    • Expenses incurred on anaesthetic, blood, oxygen, OT charges, surgical appliances, medicines, drugs, chemotherapy, dialysis, radiotherapy, etc.
    • Day care treatment
    • Ayush treatment
    • Pre-hospitalisation expenses up to 30 days prior to hospitalisation.
    • Post-hospitalisation expenses up to 60 days after discharge.
    • Cashless facilities at more than 7000 hospitals across India.
    • Ambulance charges up to Rs.2,500 maximum per policy period.
    • Hospital cash benefit Rs.250 or Rs.500 per day subject to maximum of Rs.2,000 or Rs.5,000 per hospitalisation.
    Payment mode Either the amount is reimbursed or the cashless payment option is available in network hospitals
    Renewal The policy can be renewed throughout the lifetime of the life insured. You get 30 days grace period to renew the policy.
    Free look period You can return the policy in within 15 days from the date of receipt of the policy.
    No claim discount No claim discount of 3% is available after 3 continuous claim free years and it is subject to a maximum of 15%. Expenses of health check-up will be reimburses once at the end of every 3 continuous years of no claim period.
    Cancellation The company can cancel the policy on grounds of fraud, non-disclosure and misrepresentation by sending 15 days written notice.
    Claim The insurer can settle the claim within 15 days from the receipt of the necessary documents.
    Tax benefits Payments made towards this policy in any mode other than cash is eligible for deduction from taxable income under section 80D of the Income Tax Act.
    Other benefits
    • Free medical check-up once at the end of the term provided no claims were reported during that term.
    • Cashless facility
    • No claim discount
    • Tax benefit
    Waiting period
    • Pre-existing diseases will be covered after 48 months.
    • Any diseases that were contracted within 30 days of taking the policy will have a waiting period to be covered.
    • Two year waiting period for:
    1. Cataract
    2. Benign prostatic hypertrophy
    3. Hysterectomy
    4. Hernia
    5. Hydrocele
    6. Congenital internal disease
    7. Fistula
    8. Piles
    9. Sinusitis
    10. Gall bladder stone removal
    11. Gout and rheumatism
    12. Calculus disorder
    • Four year waiting period for:
    1. Joint replacement arising due to degenerative condition
    2. Age related osteoporosis and osteoarthritis
    Exclusions The following conditions or diseases will be excluded under this policy:
    • Treatment outside India
    • Injuries arising out of war
    • Circumcision
    • Spectacles
    • Hearing aids
    • Dental treatment
    • HIV, AIDS and STDs
    • Hospitalisation for diagnostic purposes
    • Vitamins and tonic unless they are prescribed for a treatment
    • Pregnancy
    • Experimental treatment
    • External medical equipment
    • Treating genetic disorder with stem cell therapy
    • ARMD, RFQMR and EECP treatment
    • Non-medical expenses
    • Service charge, admission fee and registration charges
    • Change of system of treatment or medicine

    Disclaimer: Please read the terms, conditions and exclusions mentioned in the policy document before taking the policy.

    Other Health Insurance Plans from United India:

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    United India Family Medicare Plan 2014 Reviews

  • Page 1 of 19 1 2 3 4 5
    • United India Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      Got the health insurance policy from the UNITED INDIA INSURANCE company and I having this policy from past 5 years. The customer support and the response is good with the United India and this policy covers 4 members in the family. This policy has the medical coverage up to Rs,3,00,000 and I pay the premium amount of Rs,10,900 to renew this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 13, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 8 years, i am not aware of the premium amount as the company pays it. I have a coverage value of Rs 1 lakh and that covers spouse and children. I have no claim experience so far from this insurance policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 08, 2018
    • United India Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My health insurance is provided by the Company. The premium is paid by the company. The premium is 8000 per year for the health insurance from United India. I never had any claim experience with the policy. I'll have to wait and see how they respond in case if I need to claim it in future.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 02, 2018
    • United India Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      My company has offered me a health insurance policy around 3 years ago with the UNITED INDIA INSURANCE company. I pay the premium amount of Rs,180 every month once. This policy covers 2members in my family. The medical coverage and the cashless treatment options are good here.
      Was this review helpful? 0
      , chennai
      Reviewed on May 30, 2018
    • United India Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      The UNITED INDIA INSURANCE company has given me a health insurance policy and it covers 6members in my family. It has the medical coverage up to Rs,3,00,000. The cashless treatment option and the claim amount options is viable with this policy.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 21, 2018
    • United India Health Insurance
      "Nice Policy"
      0.5 5.0/5 "Blown Away!"
      This policy Sum assured for Rs. 4 l akhs. Total family covered policy. They are charging the premium depends on the age of the customer. I have been paying Rs. 7000 yearly once. I renew the policy yearly once if i want it. I have claimed this policy twice both Cashless transaction and Cashback policy . It is a very smooth claiming process.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 11, 2018
    • United India Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with United India Insurance from last 2 years, my claim experience was very good with this insurance policy. They covered 90% of the billed amount and i am satisfied with the coverage value of Rs 3 lakhs. I am not aware of premium as my company pays it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 26, 2018
    • United India Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy with United India Insurance from last 5-6 years, my claim experience was not up to the mark as they covered only 40% of the billed amount. I have a coverage value of Rs 3 lakhs and i pay a premium of Rs 3200 for this insurance.
      Was this review helpful? 0
      , surat
      Reviewed on Apr 19, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 1 year and it is a good insurance policy to use. I have not claimed anything so far with this insurance policy. I am not aware of the premium as the company pays it. The coverage value of Rs 3-4 lakhs is sufficient for me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 14, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with United India Insurance from last 7-8 years, i have a coverage value of Rs 4 lakhs for this insurance policy. This policy has to be renewed every year and i am not aware of the premium amount. I do not have claim experience so far with this insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 10, 2018
    • United India Health Insurance
      "Excellent health policy"
      0.5 5.0/5 "Blown Away!"
      I have started using the Health insurance policy from the UNITED INDIA INSURANCE company around 15 years ago. The customer support service is excellent with the United India and they give good response to the customers. I have paid Rs,40,000 to renew the policy every year, and it is a family policy which covers 4members.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 31, 2018
    • United India Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with United India Insurance from last 11 years and it is a good policy to use. I pay a premium of Rs 13000-14000 which has to be paid every year for this insurance. My claim experience was very good and they covered 70%. I have a coverage amount of Rs 8 lakhs for this insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 26, 2018
    • United India Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have got the dedicated health care service from the UNITED INDIA INSURANCE company , and this health insurance policy is been provided by my company. The customer support service is good with the UNITED INDIA INSURANCE company. The claim experience and the medical coverage is good with this policy .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 21, 2018
    • United India Health Insurance
      "Good policy "
      0.5 3.5/5 "Pretty good"
      I have taken a health insurance from UNITED INDIA INSURANCE. The total policy coverage is 3 lakhs. The claim experience was good. Customer care number will be always not reachable. They have both cashless and reimbursement. They dont have any health checkup facility.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2018
    • United India Health Insurance
      "Good policy "
      0.5 4.0/5 "Great!"
      Initially I have got the UNITED INDIA health insurance policy , this policy covers 4 members in the family . This policy has the medical coverage amount up to 5 lakhs rupees and i never had any claim experience with this policy . I am satisfied using the United India health insurance policy .
      Was this review helpful? 0
      , noida
      Reviewed on Mar 19, 2018
    • United India Health Insurance
      "Good"
      0.5 2.0/5 "Expected more"
      My company has offered me a corporate policy with United India. The reimbursement can be done only up to 80%. The policy was taken for the entire family. The customer service was good. The claim experience and cashless facilities was good. The policy coverage was 3L.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 15, 2018
    • United India Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I hold a corporate health insurance policy for the past 7 years. The customer support service is good with the UNITED INDIA INSURANCE company. I have this policy for the past 7 years. This policy covers 4 members in my family. I have the medical coverage amount up to Rs,20,00,000 and I am satisfied holding this policy .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 14, 2018
    • United India Health Insurance
      "Average service"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance policy from the UNITED INDIA INSURANCE company and it covers 5 members in my family. I got this policy for the past 1 year. I have paid Rs,13,000 to get this policy. The medical coverage is average with this policy . This policy has the medical coverage up to Rs,5,00,000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 13, 2018
    • United India Health Insurance
      "Health insurance"
      0.5 3.0/5 "Satisfactory"
      I have taken health insurance from UNITED INDIA INSURANCE with a premium of 1000. It covers my whole family. There is no health check up facility available. They provide reimbursement. Still there is no claim experience with United India.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 12, 2018
    • United India Health Insurance
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have taken Health Insurance with United India Insurance.The premium amount is 7000 its debited from my salary.I don't have claim experience with them.The policy coverage amount is four lakhs.The policy is taken 7-8 months ago.They cover 100% cash less treatment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 10, 2018
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