United India Family Medicare Policy

What is not Covered?

1. Pre-existing diseases
2. Any diseases contracted during the first 30 days from inception of the policy
3. Waiting period for certain specified illness or treatment
4. Vaccination and inoculation of any kind unless it is an animal bite
5. General debility
6. Circumcision
7. Cosmetic surgery
8. Plastic surgery
9. Injury arising from drug or alcohol abuse
10. Pregnancy
11. Act of war
12. Naturopathy
13. Experimental treatment
14. External equipment
15. Dental treatments

Benefits of United India Family Medicare Policy

1. Policy Term: 1 Year.
2. Hospital expenses.
3. Room, boarding and nursing expenses - not exceeding 1% of the sum insured or the actual expense, whichever is less.
4. ICU expenses - not exceeding 2% of the sum insured or the actual expense, whichever is less.
5. Surgeon, anaesthetist, medical practitioner, consultant and specialist's fees.

1. Expenses incurred on anaesthetic, blood, oxygen, OT charges, surgical appliances, medicines, drugs, chemotherapy, dialysis, radiotherapy, etc.
2. 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%.
3. Free look period: You can return the policy in within 15 days from the date of receipt of the policy.
4. Claim: The insurer can settle the claim within 15 days from the receipt of the necessary documents.
5. 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.
6. Free medical check-up once at the end of the term provided no claims were reported during that term.