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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 |
Personal Accident Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not 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 | Not Covered |
| Plan Entry Age | Minimum: 18 years Maximum: 65 years | Adult Entry Age: Minimum: 18 years, Maximum: 65 years. For Dependent Children (Maximum 2): Minimum: |
| Plan Premium Entry Age and S/A | 4467 | - |
| Plan Waiting Period | 30 | No Waiting Period |
| Plan Coverage | Individual/Family Floater | - |
| Plan Sample Premium | 4467 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3 Years |
| ICU Charges | Covered | Not Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Covered | Not Covered |
| Ayush Treatment | Covered | Not Covered |
| Modern Treatment | Covered | Not Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 91.10 | 94.4 |
| Solvency Ratio | -0.65 | 3.03 |
|
United India Health Insurance Niva Bupa Health Insurance Plan Detailed Review |
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