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United India Family Medicare 2014 Health Insurance Plan

United India Family Medicare 2014 Health Insurance Plan - An extension of family Medicare plan with enhanced coverage and benefits. All-inclusive medical cover for the members of the family under a single Sum Insured. High sum insured as compared to other healthcare plans in the market i.e. between 1 to 10 lakh.

  • An extension of family Medicare plan with enhanced coverage and benefits.
  • All-inclusive medical cover for the members of the family under a single Sum Insured.
  • Dependent children between the age of 3 months and 18 years can be covered provided either or both parents are covered concurrently.
  • High sum insured as compared to other healthcare plans in the market i.e. between 1 to 10 lakh.
  • No claim discount of 3% after three continuous claim free years and subsequent claim free years subject to maximum of 15%.
  • Free Look period of 15 days shall be applicable at the inception of the first policy.
  • Cashless facility in more than 7000 hospitals across Pan India.
  • Free Medical check-up once at the end of every three underwriting years provided no claims reported during the block and subject to policy renewed without any break. The limit applicable is 1% of the average Sum Insured during the preceding three policy periods.
  • Premium paid for self, spouse, dependent children and dependent parents are exempt from Income Tax under Section 80-D of the IT act as per rules in force.

Coverage - United India Family Medicare 2014 Health Insurance Plan

  • Hospitalization expenses such as Room, Boarding and Nursing expenses not exceeding 1% of the Sum Insured or actual whichever is less.
  • Expenses incurred towards ICU for an amount not exceeding 2% of the Sum Insured or actual whichever is less.
  • Expenses incurred for Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.
  • Expenses incurred on Anesthetic, blood, oxygen, Operation theatre charges, surgical appliances, Medicines & drugs, dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory/diagnostic tests, x-ray and similar expenses that are medically necessary and hospitalization expenses (excluding cost of organ) incurred for donor in respect of organ transplant to the insured.
  •  Pre-hospitalization expenses incurred up to 30 days prior to date of admission and Post-hospitalization expenses incurred up to 60 days from the date of discharge.  Subject to a maximum limit of 10% of the Sum Insured.
  • Expenses for the following illness restricted to –

                           Cataract    -    10% of SI subject to maximum of Rs.25,000/-

                           Hernia        -    15% of SI subject to maximum of Rs.30,000/-

                           Hysterectomy    -    20% of SI subject to maximum of Rs.50,000/-

                           Major surgeries    -    70% of SI subject to maximum of Rs.4 lac.

  • Certain specified Day Care procedures which require less than 24 hours hospitalization.
    Treatment taken in a Government Hospital or in any Institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.

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