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United India Health- Family Medicare Policy

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
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