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A cost-effective insurance option is the United India Insurance Family Medicare Policy. Anyone between 18 and 65 can get this insurance for themselves, their spouse, and any dependent children, either on an individual sum insured basis or a floater basis. Only renewals are permitted after the age of 65. Policyholders can cover dependent children between the ages of 91 days and 18 years, and the coverage can be extended until the age of 26 if they are unmarried, unemployed, and dependent.
United India Insurance offers sum insured options of Rs. 3 lacs, Rs. 4 lacs, Rs. 5 lacs, Rs. 6 lacs, Rs. 7 lacs, Rs. 8 lacs, Rs. 9 lacs, Rs. 10 lacs, Rs. 15 lacs, Rs. 20 lacs, and Rs. 25 lacs on a one-year policy basis with annual renewability. United India Insurance Family Medicare Policy covers in-patient hospitalization, daycare treatments, pre and post-hospitalization, AYUSH treatment, organ donor benefit, and more, as well as optional coverage such as maternity and newborn baby cover, daily hospitalization cash allowance, and Sum Insured restoration.
| PLAN DETAILS |
Family Medicare Policy |
Health Alpha Plan |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 6000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Covered |
| Plan Entry Age | Minimum: 18 years Maximum: 65 years | 18 years |
| Plan Premium Entry Age and S/A | 4467 | 18 years |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Individual/Family Floater | Hospitalization and medical expenses covered, Pre and post hospitalization expenses, Day care treatments covered |
| Plan Sample Premium | 4467 | Unlimited |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 5 years |
| ICU Charges | Covered | Not covered |
| Covid-19 Treatment | Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 91.10 | - |
| Solvency Ratio | -0.65 | 2.03 |
|
United India Health Insurance |
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