United India Family Medicare
  • High SI
  • Optional Covers
  • ICU Cover
United India Family Medicare
Network hospitals

Network hospitals

14000+

Incurred claim ratio

Incurred claim ratio

89.57%

Sum insured

Sum insured

Up to 95 Lakh

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

0.2

Pan India Presence

Pan India Presence

1537+

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Age of Eldest Member

United India Family Medicare

A cost-effective insurance option is the United India Insurance Family Medicare Policy. Anybody 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, day-care 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.

United India Health Insurance Detailed Review

United India Family Medicare

United India Family Medicare Specifications

To understand United India Family Medicare Insurance in detail, take a look at the below table:

Entry Age

Minimum: 18 years Maximum: 65 years

Policy Type

Individual and Family Health Insurance

Sum Insured

3 L | 5 L | 10 L | 15 L | 20 L | 25 L

Initial Waiting Period*

30 Days

Renewability

NA

Policy Term

1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

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Choose Your United India Family Medicare

With wide coverage options available, United India Family Medicare Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

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United India Insurance Family Medicare Policy Exclusions

 

Hospitalization out of war, riot, strike, and nuclear weapons

 

Intentional self-injury

 

Miscarriage, and Abortion

 

Congenital disease

 

Infertility and in vitro fertilization

Waiting Period

Pre-existing diseases 48 months

Listed Ailments 24 and 48 months

United India Insurance Family Medicare Policy Benefits

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

  • Optional Covers

    With the United India Insurance Family Medicare Policy, insurance holders get 3 different optional covers to opt for. Maternity and newborn baby cover, daily cash allowance on hospitalization, and restoration of the sum insured.

  • Discounts

    Policyholders can avail of multiple discounts under the United India Insurance Family Medicare Policy. No claim bonus starting at 5% after every claim-free year to a maximum of 15%. A 5% family discount is allowed if more than one person in a family is covered. A 10% discount is available for the online purchase of a policy.

  • Modern Treatments

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

  • Health Check-up

    United India Insurance Family Medicare Policy offers up to 1% of the average Sum Insured to a maximum of Rs. 5000 per person if the policy is on an individual SI basis and Rs.10000 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.

Explore other United India Health Insurance

To cater to the different medical needs of an individual & their family, United India Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to United India Health Insurance plans explore more:

Individual and Family Health Insurance

United India Family Medicare

United India Family Medicare

A cost-effective insurance option is the United India Insurance Family Medicare Policy. Anybody between 18 and 65 can get this insurance for themselve...

Unique Features

  • High SI
  • Optional Covers
  • ICU Cover

United India Family Medicare (Pros)

United India Family Medicare
  • In-patient hospitalization
  • Day-care treatments
  • Pre & post-hospitalization
  • AYUSH treatment

United India Family Medicare (Cons)

United India Family Medicare
  • Vaccination unavailable
  • OPD cover
  • Domiciliary hospitalization
  • Global coverage

United India Family Medicare (Other Benefits)

United India Family Medicare
  • Organ donor
  • Maternity & newborn baby cover
  • Daily hospital cash
  • Sum Insured restoration

United India Family Medicare (Eligibility Criteria)

United India Family Medicare
  • Entry age: Min. 18 yrs/ Max. 65 yrs
  • SI: 3 to 25 Lakhs
  • Initial waiting period: 30 Days
  • Policy term: 1 year

United India Insurance Plans: FAQs

1. What is the eligibility criteria for the United India Insurance Family Medicare Policy?

An individual can purchase the United India Insurance Family Medicare Policy as an individual policy or as a family floater policy. The eligibility criteria for the policy are as follows Child - Minimum: 91 Days to 26 years Adult - Minimum: 18 years & Maximum: 65 years

2. What are the optional covers available under the United India Insurance Family Medicare Policy?

There are 3 different cover options available to insurance holders under the United India Insurance Family Medicare Policy Maternity and newborn baby cover Available for SI above Rs.3 Lacs, 10% of Sum Insured subject to a maximum of Rs. 40000 for normal/ Rs. 60000 for cesarean and newborn baby cover up to 10% of SI, up to 90 days. Daily cash allowance on hospitalization For SI Options Upto 5 Lacs/> 5 Lacs upto 15 Lacs / > Rs.15 Lacs Upto Rs.25 Lacs: Rs. 500/1000/2000 per day respectively, Max. Rs. 5000/10000/20000 respectively. Sum Insured Restoration Available for SI Rs.3 Lacs and above; On complete or partial exhaustion of SI, up to 100% of SI.

3. Are organ donor expenses covered under the United India Insurance Family Medicare Policy?

Yes, it is available when an insured person is the donor a lump sum payment of 10% of sum insured is available. As well as organ donor’s hospitalization expenses (excluding cost of organ) incurred for/by a donor within the sum insured of the insured person is covered.

4. Is there a health check-up facility available under the United India Insurance Family Medicare Policy?

Yes, it is available up to 1% of average sum insured to a maximum of Rs. 5000 per person if policy is on individual SI basis. Rs. 10000 per policy period if policy is on floater basis for a block of every three claim-free years.

5. What are the sum insured options available under the United India Insurance Family Medicare Policy?

The sum insured options available under the policy are Rs. 3 lacs, 4 lacs, 5 lacs, 6 lacs, 7 lacs, 8 lacs, 9 lacs, 10 lacs, 15 Lacs, 20 Lacs & 25 Lacs.

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Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.

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