United India Family Medicare

Overview

The United India Insurance Family Medicare Policy is a cost-effective insurance option. Anyone between 18 and 65 years can purchase this insurance for themselves, their spouse, and dependent children, either on an individual sum insured basis or a floater basis. Renewals are permitted after the age of 65.

Dependent children between 91 days and 18 years can be covered. This coverage can be extended up to 26 years 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. Policies are offered on a one-year basis with annual renewability.

The United India Insurance Family Medicare Policy covers:

• In-patient hospitalization
• Daycare treatments
• Pre and post-hospitalization
• AYUSH treatment
• Organ donor benefit
• And more.

Optional coverages include:

• Maternity and newborn baby cover
• Daily hospitalization cash allowance
• Sum Insured restoration

Exclusions

• Hospitalization due to war, riot, strike, and nuclear weapons.
• Intentional self-injury.
• Miscarriage and abortion.
• Congenital disease.
• Infertility and in vitro fertilization.
• Pre-existing diseases (48 months waiting period).
• Specific listed ailments (24 and 48 months waiting period).

United India Insurance Family Medicare Policy Benefits

The United India Insurance Family Medicare Policy is a unique policy that offers a variety of coverage options at low premiums. Some of the benefits provided by this policy are listed below.

• Optional Covers

  With the United India Insurance Family Medicare Policy, policyholders can opt for three different optional covers:

  • Maternity and newborn baby cover
  • Daily cash allowance on hospitalization
  • Restoration of the sum insured

• Discounts

  Policyholders can avail of multiple discounts under the United India Insurance Family Medicare Policy:

  • No Claim Bonus: Starts at 5% after every claim-free year, up to a maximum of 15%.
  • Family Discount: A 5% discount is allowed if more than one person in a family is covered.
  • Online Purchase Discount: A 10% discount is available for online policy purchases.

• Modern Treatments

  Under the United India Insurance Family Medicare Policy, listed modern treatments are covered, subject to different sub-limits.

• Health Check-up

  The United India Insurance Family Medicare Policy offers up to 1% of the average Sum Insured, to a maximum of Rs. 5,000 per person if the policy is on an individual Sum Insured basis, and Rs. 10,000 per policy period if the policy is on a floater basis, for a block of every three claim-free years.

• Tax Benefits

  The amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.