United India Family Medicare Health Insurance Plan - PolicyX.com
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United India Health Insurance United India Health Insurance ★ 4.4

United India Family Medicare

United India Insurance Family Medicare Policy comprises of healthcare ...Read More

Up to 95 Lakh
Sum insured
1
No. of plans
1537+
Pan India presence
91.10%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,694 reviews
🏥 14,000+ hospitals
📊 -0.65 solvency ratio
✅ 91.10% claim settlement

United India Insurance Family Medicare Policy comprises of healthcare benefits such as in-patient hospitalization, daycare treatment, organ donor expenses, and so on. 

Why Do We Recommend This?
  • Avail of daily cash allowance
  • Maternity and newborn baby cover
  • Sum insured restoration benefit

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Minimum: 18 years Maximum: 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L
Waiting period
30 days
Renewability
NA
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • In-patient hospitalization
  • Day-care treatments
  • Pre & post-hospitalization
  • AYUSH treatment

Cons

  • Vaccination unavailable
  • OPD cover
  • Domiciliary hospitalization
  • Global coverage

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

United India Health Insurance

United India Health Insurance

This video talks about United India Health Insurance in detail. It talks about the Solvency Ratio, and Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry age: Min. 18 yrs/ Max. 65 yrs
  • SI: 3 to 25 Lakhs
  • Initial waiting period: 30 Days
  • Policy term: 1 year

Frequently Asked Questions

The 5 most-asked questions about United India Family Medicare, answered.

An individual can purchase the United India Insurance Family Medicare Policy as an individual policy or as a family floater policy. The eligibility criteria for the policy are as follows Child - Minimum: 91 Days to 26 years Adult - Minimum: 18 years & Maximum: 65 years
There are 3 different cover options available to insurance holders under the United India Insurance Family Medicare Policy Maternity and newborn baby cover Available for SI above Rs.3 Lacs, 10% of Sum Insured subject to a maximum of Rs. 40000 for normal/ Rs. 60000 for cesarean and newborn baby cover up to 10% of SI, up to 90 days. Daily cash allowance on hospitalization For SI Options Upto 5 Lacs/> 5 Lacs upto 15 Lacs / > Rs.15 Lacs Upto Rs.25 Lacs: Rs. 500/1000/2000 per day respectively, Max. Rs. 5000/10000/20000 respectively. Sum Insured Restoration Available for SI Rs.3 Lacs and above; On complete or partial exhaustion of SI, up to 100% of SI.
Yes, it is available when an insured person is the donor a lump sum payment of 10% of sum insured is available. As well as organ donor’s hospitalization expenses (excluding cost of organ) incurred for/by a donor within the sum insured of the insured person is covered.
Yes, it is available up to 1% of average sum insured to a maximum of Rs. 5000 per person if policy is on individual SI basis. Rs. 10000 per policy period if policy is on floater basis for a block of every three claim-free years.
The sum insured options available under the policy are Rs. 3 lacs, 4 lacs, 5 lacs, 6 lacs, 7 lacs, 8 lacs, 9 lacs, 10 lacs, 15 Lacs, 20 Lacs & 25 Lacs.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 18 Oct 2024

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