United India Insurance Family Medicare Policy

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under United India Insurance Family Medicare Policy?

Under United India Insurance Family Medicare Policy Plan, the room rent is covered

• SI < Rs.5 Lacs: 1% of SI
• SI 5 Lacs and above: 1% of SI or Single Standard AC Room whichever is more

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under United India Insurance Family Medicare Policy?

Under the United India Insurance Family Medicare Policy Plan, ICU charges are covered

• SI < Rs.5 Lacs: 2% of SI
• SI 5 Lacs and above: Actual

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under United India Insurance Family Medicare Policy?

Under the United India Insurance Family Medicare Policy medical expenses incurred during pre-hospitalization are covered up to 30 days.

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

Coverage status under United India Insurance Family Medicare Policy?

Under United India Insurance Family Medicare Policy Plan, medical expenses incurred during post-hospitalization are covered for up to 60 days.

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under United India Insurance Family Medicare Policy?

Under United India Insurance Family Medicare Policy, domiciliary hospitalization is not covered.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under United India Insurance Family Medicare Policy?

Under the United India Insurance Family Medicare Policy daycare procedures are covered.

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

Coverage status under United India Insurance Family Medicare Policy?

United India Insurance Family Medicare Policy does not cover OPD expenses.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under United India Insurance Family Medicare Policy?

COVID-19 treatment is not covered by United India Insurance Family Medicare Policy.

A common eye condition in which your vision gets blurred.

Coverage status under United India Insurance Family Medicare Policy?

United India Insurance Family Medicare Policy covers Cataract Treatment with a sub-limit of 10% of SI, Up to Rs.50,000 per eye.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a percentage that varies from plan to plan.

Coverage status under United India Insurance Family Medicare Policy?

The no-claim Bonus is available under United India Insurance Family Medicare Policy. 5% after every claim-free year under the Family Medicare Policy on renewal premium and for every subsequent claim-free year subject to a maximum of 15%.

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

Coverage status under United India Insurance Family Medicare Policy?

Under the United India Insurance Family Medicare Policy, automatic restoration is available only for Sum Insured options from Rs. 3,00,000 and above.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under United India Insurance Family Medicare Policy?

Under United India Insurance Family Medicare Policy, Organ Donor hospitalization expenses are covered

• Hospitalization Expenses (excluding the cost of organ ) incurred for/by a Donor within the Sum Insured of the Insured Person
• Organ Donor Benefit- When Insured Person is the Donor : A lump sum payment of 10% of Sum Insured

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

Coverage status under United India Insurance Family Medicare Policy?

Under United India Insurance Family Medicare Policy Plan, Ambulance expenses are covered to

• 0.5% of the Sum Insured subject to a maximum of Rs. 2500 per event and
• 1% of the Sum Insured subject to a maximum of Rs. 5000 per policy period

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

Coverage status under United India Insurance Family Medicare Policy?

Under United India Insurance Family Medicare Policy Plan, Air Ambulance cover is not available.

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under United India Insurance Family Medicare Policy?

Under the United India Insurance Family Medicare Policy, compassionate travel is not covered.

Any kind of medical/health emergency when you are outside of India.

Coverage status under United India Insurance Family Medicare Policy?

Under the United India Insurance Family Medicare Policy, Global coverage is not available.

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

Coverage status under United India Insurance Family Medicare Policy?

Under United India Insurance Family Medicare Policy, e-consultation is not covered.

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.

Coverage status under United India Insurance Family Medicare Policy?

Under the United India Insurance Family Medicare Policy second medical opinion is not covered.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will spend the rest.

Status under United India Insurance Family Medicare Policy?

Under United India Insurance Family Medicare Policy, Co-payment is applicable for persons with the age of entry above 60 years in Family Medicare Policy, every admissible claim under Base Cover 1 to 5, 7, and 9 above shall be subject to a Co-payment of 10% on the admissible claim amount.