United India Family Medicare Health Plan

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      United India Family Medicare Health Plan

      A single sum assured is offered to comprehensively cover family members. As long as either of the parents is covered, any dependent child between 3 months and 18 years is liable to be covered. The sum assured offered is between 1 to 10 lakh. The entry age is 18-80 years and a medical screening required for anyone above 45 years of age. There are more than 7000 network hospital options available for cashless treatment and claim reimbursement treatment for the insured members.

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      Benefits of United India Family Medicare Policy

      • Premiums paid are tax exempt with regards to Section 80 D of the Income tax act.
      • A maximum of 3% (first 3 years) - 15% claim discount after subsequent claim free years.
      • Cashless and reimbursement facilities in over 7000 hospitals across India
      • At the end of 3 claim-free years, one is liable to get a free medical checkup subject to continuous policy renewal. The limit set on this is 1% of the sum assured during the 3 year period.
      • Free look period of up to 30 days is given prior to the first policy inception.

      Coverage under the United India Family Medicare Plan

      Additional covers are optional such as ambulance cover and daily cash allowance covers that can be paid twice during the policy period at additional premiums.

      • Ayurvedic Treatment in a Government Hospital
      • Cataract Surgery up to 10% of SI or a maximum of Rs. 25,000
      • Hernia up to 15% of SI or up to a maximum of Rs. 30,000
      • Hysterectomy 20% of SI or up to a maximum of Rs. 50,000
      • Hospitalization Expenses ( minimum 24 hours) that are covered under the plan are listed below:
      • Room expenses, boarding charges, and nursing expenses
      • ICU cover up to 2% of SI per day
      • Medical Practitioner, Surgeon, Specialists Fees, Anaesthetist, Consultants, Anaesthetist, , Operation Theatre Charges, Blood, Oxygen, Radiotherapy, Surgical Appliances, Dialysis, Medicines & Drugs, Chemotherapy, cost of Artificial Limbs, and other similar expenses.
      • Home hospitalization up to 1% of SI per day. It includes RMO charges, Nursing Care, Administration Charges, IV Fluids, Injection and similar expenses.
      • Organ donor expenses ( except the cost of the organ)

      Exclusions of United India Family Medicare Plan

      • Any illness that was diagnosed during the initial 30 days of policy inception
      • The waiting period for pre-existing illness is 2 years
      • Certain specified illnesses to be treated after a waiting period of 2 to 4 years
      • Treatment for HIV and AIDS
      • Inoculation and vaccination unless it is after an animal bite
      • Naturopathy treatment
      • General debility is not covered
      • Cost of circumcision, plastic and cosmetic surgery is also not covered
      • Psychosomatic and psychiatric disorders
      • Health ailment resulting due to alcohol abuse and drug overdose
      • Dental care expenses
      • Pregnancy, and child birth related ailments
      • Health issues arising due to nuclear weapons
      • Experimental and unproven hospitalization
      • Any external medical equipment

      Claim Procedure for United India Family Medicare Policy

      In case of hospitalization, you need to notify about the hospitalization or send a claim request to the Insurer’s or TPA’s address as mentioned in the United India Insurance policy documents:

      • For all the emergency hospitalizations the insurance company needs to be notified within 24 hours of the hospitalization
      • Collect the claim form after the claim intimation. Send the completed claim form and fill all the required details along with the hospital documents to the Third-party Administrator within 15 days of getting discharged from the hospital.
      • For all the cashless hospitalizations, the policyholder needs to submit a pre-authorization cashless form to the Third-party administrator through the hospital
      • No other intimation is required after the submission of the pre-authorization form
      • For all the reimbursement claims you need to submit documents related to the hospitalization expenses that took place within 15 days of getting discharged from the hospital.
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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