United India Family Medicare Health Insurance Plan

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:

• 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