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) | |
Minimum | 18 |
Maximum | 80 |
Coverage Type | Family floater |
Sum Insured (Rs) | |
Maximum | 1000000 |
Minimum | 100000 |
Policy Term (years) | 1 |
Discount | No 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 Up | Not required upto 45 years of entry age |
Policy Termination | Insurance 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 | |
Address | United India Insurance Co. Ltd. 24, Whites Road, Chennai - 600014 |
Mail to | [email protected] |
Call to | 1800 425 333 33(toll free), 91-044-28520161 |
Additions to the Plan
Scope of Cover | |
Cashless facility | available if treatment availed in a network hospital |
Reimbursement facility | available if treatment availed in a non-network hospital |
Pre and post hospitalisation | covers medical expenses incurred during 30 days prior to admission to hospital and 60 days after discharge upto maximum of 10% of Sum Insured |
Inpatient hospitalisation | covered |
Room rent, boarding and nursing expenses | covered upto 1% of sum insured per day |
I.C.U charges | covered 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-Ray | covered |
Other benefits | |
organ donor's hospitalisation expenses | medical expenses for treatment of organ donor in case of major organ transplant is covered |
Cost of health check-up | reimburses an amount upto maximum of 1% of average basic sum insured once after every 3 continuous claim free years |
Cataract | 10% of SI subject to maximum of Rs25000 |
Hernia | 15% of Sum Insured subject to maximum of Rs.30000 |
Hysterectomy | 20% 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 replacement | 70% of Sum Insured subject to maximum of Rs.4 Lac |
Optional benefits (require extra premium) | |
Ambulance charges | covered upto Rs 2500 per policy period upon payment an additional premium of Rs 100 |
Daily Cash benefit | allowed |
Exclusions and Waiting Period | |
Pre-existing illnesses | will be covered after 4 continuous renewals with the company |
No claim period | initial 30 days since inception of the policy |
Waiting period | certain illnesses such as Hernia, Piles, Cataract, Hypertension, Diabetes etc, will be covered after a waiting period of 2 years |
Deductible | 10% applicable on all admissible claims for persons above 60 years of age |
Annual Premium | |||||||||||||||
Age (in years) | Sum Insured (in Rs) | ||||||||||||||
0-35 | 1 lakh | 1.50 lakh | 2 lakh | 2.50 lakh | 3 lakh | 3.50 lakh | 4 lakh | 4.50 lakh | 5 lakh | 6 lakh | 7 lakh | 8 lakh | 9 lakh | 10 lakh | |
2A | 1638 | 2400 | 3086 | 3695 | 4305 | 4838 | 5371 | 5904 | 6439 | 7634 | 8466 | 9131 | 9741 | 10303 | |
2A+1C | 1834 | 2688 | 3457 | 4138 | 4822 | 5418 | 6016 | 6612 | 7211 | 8550 | 9482 | 10227 | 10910 | 11539 | |
2A+2C | 2031 | 2976 | 3827 | 4582 | 5338 | 5999 | 6660 | 7321 | 7984 | 9466 | 10498 | 11323 | 12079 | 12775 | |
1A+1C | 1507 | 2208 | 2839 | 3399 | 3961 | 4451 | 4942 | 5431 | 5924 | 7023 | 7789 | 8401 | 8962 | 9478 | |
1A+2C | 1703 | 2496 | 3210 | 3843 | 4477 | 5031 | 5586 | 6140 | 6696 | 7939 | 8805 | 9497 | 10131 | 10715 | |
Per addl. child | 197 | 288 | 370 | 443 | 517 | 581 | 645 | 708 | 773 | 916 | 1016 | 1096 | 1169 | 1236 | |
36-45 | |||||||||||||||
2A | 1960 | 2870 | 3689 | 4418 | 5146 | 5785 | 6421 | 7061 | 7698 | 9126 | 10124 | 10916 | 11651 | 12316 | |
2A+1C | 2195 | 3214 | 4131 | 4948 | 5764 | 6479 | 7192 | 7909 | 8621 | 10221 | 11339 | 12226 | 13049 | 13794 | |
2A+2C | 2430 | 3559 | 4574 | 5478 | 6381 | 7173 | 7962 | 8756 | 9545 | 11317 | 12553 | 13536 | 14448 | 15272 | |
1A+1C | 1803 | 2640 | 3394 | 4064 | 4735 | 5322 | 5908 | 6496 | 7082 | 8396 | 9314 | 10043 | 10719 | 11331 | |
1A+2C | 2038 | 2985 | 3836 | 4594 | 5352 | 6016 | 6678 | 7344 | 8005 | 9491 | 10529 | 11353 | 12117 | 12809 | |
Per addl. child | 235 | 344 | 443 | 530 | 618 | 694 | 771 | 847 | 924 | 1095 | 1215 | 1310 | 1398 | 1478 | |
46-50 | |||||||||||||||
2A | 3049 | 4492 | 5831 | 7067 | 8302 | 9435 | 10568 | 11701 | 12835 | 15218 | 16513 | 17965 | 19308 | 20536 | |
2A+1C | 3400 | 5010 | 6503 | 7882 | 9260 | 10524 | 11787 | 13051 | 14316 | 16974 | 18418 | 20038 | 21535 | 22906 | |
2A+2C | 3752 | 5528 | 7176 | 8698 | 10218 | 11613 | 13006 | 14402 | 15797 | 18730 | 20323 | 22110 | 23763 | 25275 | |
1A+1C | 2697 | 3973 | 5158 | 6251 | 7344 | 8347 | 9348 | 10351 | 11354 | 13462 | 14607 | 15892 | 17080 | 18167 | |
1A+2C | 3049 | 4492 | 5831 | 7067 | 8302 | 9435 | 10568 | 11701 | 12835 | 15218 | 16513 | 17965 | 19308 | 20536 | |
Per addl. child | 352 | 518 | 673 | 815 | 958 | 1089 | 1219 | 1350 | 1481 | 1756 | 1905 | 2073 | 2228 | 2370 | |
51-55 | |||||||||||||||
2A | 3854 | 5681 | 7385 | 8968 | 10552 | 12012 | 13474 | 14935 | 16395 | 19440 | 21021 | 22905 | 24643 | 26233 | |
2A+1C | 4267 | 6290 | 8176 | 9929 | 11682 | 13299 | 14917 | 16535 | 18152 | 21523 | 23273 | 25360 | 27283 | 29044 | |
2A+2C | 4680 | 6899 | 8968 | 10890 | 12813 | 14586 | 16361 | 18136 | 19909 | 23606 | 25526 | 27814 | 29923 | 31855 | |
1A+1C | 3166 | 4667 | 6066 | 7367 | 8668 | 9867 | 11068 | 12268 | 13468 | 15969 | 17267 | 18815 | 20242 | 21549 | |
1A+2C | 3579 | 5275 | 6858 | 8328 | 9798 | 11154 | 12511 | 13868 | 15224 | 18052 | 19520 | 21269 | 22883 | 24359 | |
Per addl. child | 413 | 609 | 791 | 961 | 1131 | 1287 | 1444 | 1600 | 1757 | 2083 | 2252 | 2454 | 2640 | 2811 | |
56-60 | |||||||||||||||
2A | 4877 | 7193 | 9362 | 11388 | 13415 | 15294 | 17177 | 19058 | 20937 | 24825 | 26765 | 29201 | 31445 | 33500 | |
2A+1C | 5364 | 7912 | 10298 | 12527 | 14756 | 16823 | 18894 | 20963 | 23031 | 27308 | 29441 | 32121 | 34589 | 36849 | |
2A+2C | 5852 | 8631 | 11234 | 13666 | 16097 | 18353 | 20612 | 22869 | 25124 | 29790 | 32117 | 35041 | 37733 | 40199 | |
1A+1C | 3739 | 5514 | 7177 | 8731 | 10284 | 11725 | 13169 | 14611 | 16052 | 19033 | 20519 | 22387 | 24107 | 25683 | |
1A+2C | 4226 | 6234 | 8113 | 9870 | 11626 | 13255 | 14886 | 16517 | 18145 | 21515 | 23196 | 25307 | 27252 | 29033 | |
Per addl. child | 488 | 719 | 936 | 1139 | 1341 | 1529 | 1718 | 1906 | 2094 | 2483 | 2676 | 2920 | 3144 | 3350 | |
61-65 | |||||||||||||||
2A | 5701 | 8410 | 10946 | 13315 | 15683 | 17882 | 20082 | 22282 | 24478 | 29024 | 31293 | 34139 | 36765 | 39165 | |
2A+1C | 6235 | 9198 | 11972 | 14564 | 17154 | 19558 | 21964 | 24371 | 26773 | 31745 | 34227 | 37340 | 40212 | 42837 | |
2A+2C | 6770 | 9986 | 12998 | 15812 | 18624 | 21234 | 23847 | 26459 | 29068 | 34466 | 37160 | 40540 | 43658 | 46508 | |
1A+1C | 4097 | 6044 | 7867 | 9570 | 11272 | 12852 | 14434 | 16015 | 17594 | 20861 | 22492 | 24538 | 26425 | 28150 | |
1A+2C | 4632 | 6833 | 8893 | 10819 | 12743 | 14529 | 16316 | 18104 | 19889 | 23582 | 25425 | 27738 | 29871 | 31821 | |
Per addl. child | 534 | 788 | 1026 | 1248 | 1470 | 1676 | 1883 | 2089 | 2295 | 2721 | 2934 | 3201 | 3447 | 3672 | |
66-70 | |||||||||||||||
2A | 6995 | 10334 | 13491 | 16458 | 19426 | 22210 | 24992 | 27776 | 30558 | 36232 | 38867 | 42486 | 45830 | 48893 | |
2A+1C | 7651 | 11303 | 14756 | 18001 | 21247 | 24292 | 27335 | 30380 | 33423 | 39629 | 42511 | 46470 | 50127 | 53477 | |
2A+2C | 8307 | 12272 | 16021 | 19543 | 23068 | 26374 | 29678 | 32984 | 36288 | 43026 | 46155 | 50453 | 54424 | 58060 | |
1A+1C | 5028 | 7428 | 9697 | 11829 | 13962 | 15963 | 17963 | 19964 | 21964 | 26042 | 27936 | 30537 | 32941 | 35142 | |
1A+2C | 5684 | 8397 | 10962 | 13372 | 15783 | 18045 | 20306 | 22568 | 24829 | 29439 | 31580 | 34520 | 37237 | 39725 | |
Per addl. child | 656 | 969 | 1265 | 1543 | 1821 | 2082 | 2343 | 2604 | 2865 | 3397 | 3644 | 3983 | 4297 | 4584 | |
71-75 | |||||||||||||||
2A | 7795 | 11654 | 15318 | 18790 | 22224 | 25320 | 28491 | 31666 | 34835 | 41304 | 44310 | 48435 | 52248 | 55736 | |
2A+1C | 8526 | 12747 | 16755 | 20552 | 24308 | 27694 | 31162 | 34634 | 38101 | 45176 | 48465 | 52976 | 57146 | 60961 | |
2A+2C | 9257 | 13840 | 18191 | 22314 | 26391 | 30068 | 33833 | 37603 | 41367 | 49049 | 52619 | 57517 | 62045 | 66187 | |
1A+1C | 5603 | 8377 | 11010 | 13506 | 15974 | 18199 | 20478 | 22760 | 25038 | 29687 | 31848 | 34813 | 37553 | 40060 | |
1A+2C | 6334 | 9469 | 12446 | 15267 | 18057 | 20573 | 23149 | 25728 | 28304 | 33560 | 36002 | 39354 | 42452 | 45286 | |
Per addl. child | 731 | 1093 | 1436 | 1762 | 2084 | 2374 | 2671 | 2969 | 3266 | 3872 | 4154 | 4541 | 4898 | 5225 | |
76-80 | |||||||||||||||
2A | 9621 | 14384 | 18907 | 23194 | 27432 | 31142 | 35043 | 38947 | 42848 | 50805 | 54499 | 59573 | 64262 | 68557 | |
2A+1C | 10523 | 15733 | 20680 | 25368 | 30004 | 34062 | 38329 | 42599 | 46865 | 55568 | 59609 | 65158 | 70287 | 74984 | |
2A+2C | 11425 | 17081 | 22452 | 27542 | 32576 | 36982 | 41614 | 46250 | 50882 | 60331 | 64718 | 70743 | 76312 | 81411 | |
1A+1C | 6915 | 10339 | 13590 | 16670 | 19717 | 22384 | 25187 | 27993 | 30797 | 36516 | 39171 | 42818 | 46189 | 49275 | |
1A+2C | 7817 | 11687 | 15362 | 18845 | 22289 | 25303 | 28473 | 31645 | 34814 | 41279 | 44281 | 48403 | 52213 | 55702 | |
Per addl. child | 902 | 1349 | 1773 | 2174 | 2572 | 2920 | 3285 | 3651 | 4017 | 4763 | 5109 | 5585 | 6025 | 6427 | |
A = Adult | |||||||||||||||
C = Child | |||||||||||||||
Premiums are exclusive of service tax and cess. |