United India Family Medicare Health Insurance Plan

United India Insurance Company Limited offers a variety of insurance products to provide insurance cover to bullock carts to satellites. United India Family Medicare covers all the members of the family under a single sum insured. The term of the policy is 1 year. You get a no claim discount if you have made no claims for 3 continuous years. Payments made towards this health insurance policy is eligible for deduction from taxable income under section 80D of the Income Tax Act. Hospital expenses, day care treatment, Ayush treatment and under this plan.

Features & Benefits of United India Family Medicare:

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.
Policy term 1 year
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.
  • Other treatment expenses covered are:
Cataract 10% of sum insured subject to maximum of Rs.25,000.
Hernia 15% of sum insured subject to maximum of Rs.30,000
Hysterectomy 20% of sum insured subject to maximum of Rs.50,000
Major 70% of sum insured subject to maximum of Rs.4 lakh
  • Day care treatment
  • Ayush treatment
  • Cashless facilities at more than 7000 hospitals across India.
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%.
Free look period You can return the policy in within 15 days from the date of receipt of the policy.
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
Exclusions The following conditions or diseases will be excluded under this policy:
  • Pre-existing diseases
  • Any diseases contracted during the first 30 days from inception of the policy
  • Waiting period for certain specified illness or treatment
  • Vaccination and inoculation of any kind unless it is an animal bite
  • General debility
  • Circumcision
  • Cosmetic surgery
  • Plastic surgery
  • Injury arising from drug or alcohol abuse
  • Pregnancy
  • Act of war
  • Naturopathy
  • Experimental treatment
  • External equipment
  • Dental treatments

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

Also Read: How to File a Claim with United India Insurance?

Other Health Insurance Plans from United India:

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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.

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