United India Family Medicare Policy

United India Insurance Company Limited was set up on 18th February in the year 1938. The company has a broad range of insurance products to offer insurance coverage and services for bullock carts to satellite. United India Family Medicare Policy can cover all the members of a family under one single Sum Insured. The policy also offers a No Claim Discount (NCD) for not filing any claim for continuous 3 years.

• ✔Anyone between the age between 18 and 80 years can opt for Family Medicare Policy.
• ✔Children between the age of 3 months and 18 years can get covered under this policy given that either one or both parents are covered under the same policy.

• ✔Family including self, spouse and Dependent children can be covered under the same policy, under the same Sum Insured.
• ✔The Sum Insured for the policy ranges between Rs.1 lac to Rs.10 lacs in multiples of Rs.50, 000/- up to Rs.5 Lacs and from Rs.5 Lacs to Rs.10 Lacs in multiples of Rs.1 Lacs.

• ✔AYUSH Treatment is available if the treatment is undergoing at a Government Hospital or any medical institution recognized by the Government of India.
• ✔Free look period of 15 day available before the policy commencement.
• ✔Cashless facility can be availed at 7000+ network hospital across Pan India
• ✔Covers the expenses of specified and certain day care procedures that don’t require 24hours hospitalization.
• ✔Covers the expenses of room, boarding rent provided by the Hospital or Nursing Home.
• ✔Covers the expenses for nursing and other medical treatments.
• ✔Covers the costs of Surgeon, Medical Practitioner, Anaesthetist, Specialists, Consultants Fees
• ✔Pays for the expenses for Operation Theatre Charges, Oxygen, Blood, Anaesthesia, Surgical Appliances, Diagnostic Materials, X-ray, Medicines and Drugs.
• ✔Costs covered for such treatments like Chemotherapy, Dialysis, Expenses of Peacemaker, Artificial Limbs, Radiotherapy, and Cost of organs and other similar expenses.
• ✔Pre and Post hospitalization expenses for 30 days prior to hospitalization and 60 day after being discharged from the hospital.

• ✔All Pre-existing conditions up to 4 years of continuous coverage.
• ✔Any disease / illness that an insured person came in contact with during the first 30 days of policy commencement.
• ✔Dental treatments are not covered.
• ✔Cosmetic surgery, Plastic surgery, Circumcision.
• ✔Any experimental or unproven treatment.
• ✔Injuries from War / act of foreign enemy / radiation and nuclear weapon.
• ✔Naturopathy treatment is not covered under this policy.
• ✔Pregnancy, any ailments / sickness related pregnancy, child birth.
• ✔Any Injury resulting from drug / alcohol abuse.
• ✔For certain specified illness / treatment, a waiting period of 2 / 4 years.
• ✔Run down conditions and General debility is not covered.
• ✔HIV/AIDS or any other Sexually Transmitted Diseases.
• ✔Psychosomatic and Psychiatric disorders.

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