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United India Health- Family Medicare Policy

Objective

This policy aims to cover all family members under a single policy and  reduce multiple policy handling costs and efforts.


Suited for

This policy is suitable if you are looking for a single policy to cover your family.


What does it do?

It works like any other floater health insurance policy that provides medical expenses incurred in treating a covered ailment. A floater cover is beneficial as any insured family member can use the cover if need arises,  up to maximum of the sum insured. The policy also pays a daily cash benefit of Rs 250 or 500 on paying extra premium. Daily cash allowance can be used to pay for any other daily expenses which are not covered under the policy.


Pros

This policy can be bought online through company's website and premium paid is eligible for tax benefit under section 80D of the Income Tax Act.


Cons

There are sub-limits on room rent, boarding and ICU charges.
A 10 per cent deductible is applicable on all admissible claims for persons above 60 years of age. Deductible is the amount that the insured will have to shell out of his pocket before the insurance company pays the claim.


Our View

This family floater gives a basic coverage for hospitalisation expenses along with sub-limits on certain benefits. However, it is fairly priced for the  benefits offered. A policy without any sub-limits is preferred over policies containing limits. So, if your budget allows, consider other policies without sub-limits.

Eligibility
Entry Age (years) 
Minimum18
Maximum80
Coverage TypeFamily floater
Sum Insured (Rs) 
Maximum1000000
Minimum100000
Policy Term (years)1
DiscountNo claim discount of 3% on premium after three continuous claim free years and subsequent years subject to a maximum of 15%
Pre Policy Medical Check UpNot required upto 45 years of entry age
Policy TerminationInsurance company may cancel the policy by giving a 7 days notice period. Insurance company in such a case will repay the pro-rata premium to the insurer if claim has not been made. Insurer may also cancel the policy at any time.
Customer Service 
AddressUnited India Insurance Co. Ltd.
24, Whites Road,
Chennai - 600014
Mail to[email protected]
Call to1800 425 333 33(toll free), 91-044-28520161
Additions to the Plan
Scope of Cover
Cashless facilityavailable if treatment availed in a network hospital
Reimbursement facilityavailable if treatment availed in a non-network hospital
Pre and post hospitalisationcovers medical expenses incurred during 30 days prior to admission to hospital and 60 days after discharge upto maximum of 10% of Sum Insured
Inpatient hospitalisationcovered
Room rent, boarding and nursing expensescovered upto 1% of sum insured per day
I.C.U chargescovered upto 2% of sum insured per day
Surgeon, anaesthetist, medical practitioner, consultants, specialist fees, blood, oxygen, chemotherapy, Radiotherapy, Artificial limbs, Cost of prosthetic devices implanted during surgical procedure like pacemaker etc., X-Raycovered
Other benefits
organ donor's hospitalisation expensesmedical expenses for treatment of organ donor in case of major organ transplant is covered
Cost of health check-upreimburses an amount upto maximum of 1% of average basic sum insured once after every 3 continuous claim free years
Cataract10% of SI subject to maximum of Rs25000
Hernia15% of Sum Insured subject to maximum of Rs.30000
Hysterectomy20% of Sum Insured subject to maximum of Rs.50000
Following Specified major surgeries -i. Cardiac Surgeriesii. Cancer Surgeriesiii. Brain TumourSurgeriesiv. Pacemaker implantationFor sick, sinussyndromev. Hip replacementvi. Knee joint replacement70% of Sum Insured subject to maximum of Rs.4 Lac
Optional benefits (require extra premium)
Ambulance chargescovered upto Rs 2500 per policy period upon payment an additional premium of Rs 100
Daily Cash benefitallowed
Exclusions and Waiting Period
Pre-existing illnesseswill be covered after 4 continuous renewals with the company
No claim periodinitial 30 days since inception of the policy
Waiting periodcertain illnesses such as Hernia, Piles, Cataract, Hypertension, Diabetes etc, will be covered after a waiting period of 2 years
Deductible10% applicable on all admissible claims for persons above 60 years of age
Annual Premium
Age (in years)Sum Insured (in Rs)
0-35 1 lakh1.50 lakh2 lakh2.50 lakh3 lakh3.50 lakh4 lakh4.50 lakh5 lakh6 lakh7 lakh8 lakh9 lakh10 lakh
2A163824003086369543054838537159046439763484669131974110303
2A+1C18342688345741384822541860166612721185509482102271091011539
2A+2C203129763827458253385999666073217984946610498113231207912775
1A+1C15072208283933993961445149425431592470237789840189629478
1A+2C1703249632103843447750315586614066967939880594971013110715
Per addl. child1972883704435175816457087739161016109611691236
36-45
2A196028703689441851465785642170617698912610124109161165112316
2A+1C2195321441314948576464797192790986211022111339122261304913794
2A+2C2430355945745478638171737962875695451131712553135361444815272
1A+1C18032640339440644735532259086496708283969314100431071911331
1A+2C203829853836459453526016667873448005949110529113531211712809
Per addl. child23534444353061869477184792410951215131013981478
46-50
2A3049449258317067830294351056811701128351521816513179651930820536
2A+1C34005010650378829260105241178713051143161697418418200382153522906
2A+2C375255287176869810218116131300614402157971873020323221102376325275
1A+1C269739735158625173448347934810351113541346214607158921708018167
1A+2C3049449258317067830294351056811701128351521816513179651930820536
Per addl. child352518673815958108912191350148117561905207322282370
51-55
2A385456817385896810552120121347414935163951944021021229052464326233
2A+1C426762908176992911682132991491716535181522152323273253602728329044
2A+2C4680689989681089012813145861636118136199092360625526278142992331855
1A+1C3166466760667367866898671106812268134681596917267188152024221549
1A+2C35795275685883289798111541251113868152241805219520212692288324359
Per addl. child4136097919611131128714441600175720832252245426402811
56-60
2A4877719393621138813415152941717719058209372482526765292013144533500
2A+1C53647912102981252714756168231889420963230312730829441321213458936849
2A+2C58528631112341366616097183532061222869251242979032117350413773340199
1A+1C373955147177873110284117251316914611160521903320519223872410725683
1A+2C422662348113987011626132551488616517181452151523196253072725229033
Per addl. child48871993611391341152917181906209424832676292031443350
61-65
2A57018410109461331515683178822008222282244782902431293341393676539165
2A+1C62359198119721456417154195582196424371267733174534227373404021242837
2A+2C67709986129981581218624212342384726459290683446637160405404365846508
1A+1C409760447867957011272128521443416015175942086122492245382642528150
1A+2C4632683388931081912743145291631618104198892358225425277382987131821
Per addl. child534788102612481470167618832089229527212934320134473672
66-70
2A699510334134911645819426222102499227776305583623238867424864583048893
2A+1C765111303147561800121247242922733530380334233962942511464705012753477
2A+2C830712272160211954323068263742967832984362884302646155504535442458060
1A+1C5028742896971182913962159631796319964219642604227936305373294135142
1A+2C56848397109621337215783180452030622568248292943931580345203723739725
Per addl. child656969126515431821208223432604286533973644398342974584
71-75
2A779511654153181879022224253202849131666348354130444310484355224855736
2A+1C852612747167552055224308276943116234634381014517648465529765714660961
2A+2C925713840181912231426391300683383337603413674904952619575176204566187
1A+1C56038377110101350615974181992047822760250382968731848348133755340060
1A+2C63349469124461526718057205732314925728283043356036002393544245245286
Per addl. child7311093143617622084237426712969326638724154454148985225
76-80
2A962114384189072319427432311423504338947428485080554499595736426268557
2A+1C1052315733206802536830004340623832942599468655556859609651587028774984
2A+2C1142517081224522754232576369824161446250508826033164718707437631281411
1A+1C691510339135901667019717223842518727993307973651639171428184618949275
1A+2C781711687153621884522289253032847331645348144127944281484035221355702
Per addl. child9021349177321742572292032853651401747635109558560256427
A = Adult
C = Child
Premiums are exclusive of service tax and cess.

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