United India Family Medicare Health Insurance

You can buy this add-on for the additional benefit of daily cash for every continuous and completed period of 24 hours of hospitalisation. If the sum insured is up to Rs. 5 Lakh, then the benefit of Rs. 500 per day up to Rs. 5,000 per policy period, if it is between Rs. 5 Lakh and Rs. 15 Lakh, then a benefit of Rs. 1,000 per day up to Rs. 10,000 per policy period, and if it is between Rs. 15 Lakh and Rs. 25 Lakh, then a benefit of Rs. 2,000 per day up to a maximum of Rs. 20,000 per policy term will be provided.

With this add-on, you will be covered for in-patient hospitalisation expenses incurred for delivery including c-section or lawful medical termination of pregnancy during the policy term for up to 2 deliveries or termination or either during the lifetime of the insured. But note that you can avail of this benefit only if you choose the policy for a sum insured more than Rs. 3 Lakh. Also, it covers newborn baby expenses from day 1 up to the age of 90 days for in-patient hospitalisation expenses as per terms and conditions.

An ideal plan to invest in a health cover, Family Medicare Policy comes with two add-on covers, namely Ambulance Charges up to a maximum of Rs. 2500 per policy period and Hospital Daily Cash Benefits of Rs.250/Rs. 500 per day subject to a maximum of Rs. 2500/Rs. 5000 per hospitalisation. Moreover, the policy covers the charges of surgical appliances, dialysis, medicines & drugs, chemotherapy, radiotherapy, prosthetic devices, artificial limbs, pacemaker, relevant diagnostic tests and so on. Some major attractions under the policy include:

• Up to 1% of SI per day on room rent, boarding, blood transfusion, IV fluids, etc.
• Up to 2% of SI daily on Intensive Care Unit (ICU) expenses
• Ayurvedic treatment if taken in a Government Hospital or any Institute recognized by the Government
• No claim discount of 3% after three continuous claim free-years
• Medical check-up up to 1% of SI once at the end of every 3 claim-free years
• Cover for cataract, hernia, hysterectomy, and major surgeries 
• Cover for pre-existing diseases after a waiting period of 48 months

As a reputable insurance company in India, United India lets you undergo cashless treatment in its thousands of network hospitals spread across the country. However, if you get the treatment at a non-network hospital, then you can go for reimbursement. United India strives for settling claims within 15 days from the date of receiving all the necessary documents. What’s more in the plan is as follows:

• Tax savings under section 80D of the Income Tax Act
• Lifetime renewal of the policy without any hindrance
• 15 days free look period to understand the terms and conditions of the policy
• 30 days grace period in case of policy renewal date lapse

Our bad eating habits, high levels of pollution, and sedentary lifestyle are the major factors for medical emergencies. That’s why having a health policy for yourself and your family is necessary. The plan like Family Medicare Policy provides cover for your medical expenses in an emergency. With this policy in hand, you can have the freedom of availing quality health care without giving a second thought about your finances.

Know more about Family Medicare Policy today online at InsuranceDekho, as it’s a company that help you at the time of buying your policy and getting claims against medical expenses. Besides, with InsuranceDekho by your side, you can get free quotes, compare different policies and get proper assistance with portability.

As the name suggests, Family Medicare Policy can be availed on family floater basis, covering all the members of a family under a single sum insured.

The sum insured range for Family Medicare Policy is Rs. 2 Lakh to Rs. 10 Lakh per family. Policyholders already covered for Rs. 1 Lakh and Rs. 1.5 Lakh will have their coverage continued at the same level on the basis of the option chosen by the insured. Note that the sum insured slabs come in multiples of Rs. 50,000 up to Rs. 5 Lakh and in multiples of Rs. 1 Lakh from Rs. 5 Lakh to Rs. 10 Lakh.

The policy term for Family Medicare Policy is 1 year. 

For Family Medicare Policy, while the minimum entry age is 3 months, the maximum age of entry is 80 years.