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United India Health Insurance
United India Family Medicare
United India Insurance Family Medicare Policy comprises of healthcare ...Read More
About United India Family Medicare
A quick read on what this United India Health Insurance plan covers and why it might be a fit for you.
A cost-effective insurance option is the United India Insurance Family Medicare Policy. Anybody between 18 and 65 can get this insurance for themselves, their spouse, and any dependent children, either on an individual sum insured basis or a floater basis. Only renewals are permitted after the age of 65. Policyholders can cover dependent children between the ages of 91 days and 18 years, and the coverage can be extended until the age of 26 if they are unmarried/unemployed and dependent.
United India Insurance offers sum insured options of Rs. 3 lacs, Rs. 4 lacs, Rs. 5 lacs, Rs. 6 lacs, Rs. 7 lacs, Rs. 8 lacs, Rs. 9 lacs, Rs. 10 lacs, Rs. 15 lacs, Rs. 20 lacs, and Rs. 25 lacs on a one-year policy basis with annual renewability. United India Insurance Family Medicare Policy covers in-patient hospitalization, day-care treatments, pre and post-hospitalization, AYUSH treatment, organ donor benefit, and more, as well as optional coverage such as maternity and newborn baby cover, daily hospitalization cash allowance, and Sum Insured restoration.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
*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
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
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
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Hospitalization out of war, riot, strike, and nuclear weapons
- Intentional self-injury
- Miscarriage, and Abortion
- Congenital disease
- Infertility and in vitro fertilization
- Pre-existing diseases 48 months
- Listed Ailments 24 and 48 months
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
Other features & benefits
United India Insurance Family Medicare Policy Benefits
United India Insurance Family is a one-of-a-kind policy that offers a variety of coverage options at low premiums. Some of the policy benefits provided by the United India Insurance Family Medicare Policy are listed below.
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Optional Covers
With the United India Insurance Family Medicare Policy, insurance holders get 3 different optional covers to opt for. Maternity and newborn baby cover, daily cash allowance on hospitalization, and restoration of the sum insured. -
Discounts
Policyholders can avail of multiple discounts under the United India Insurance Family Medicare Policy. No claim bonus starting at 5% after every claim-free year to a maximum of 15%. A 5% family discount is allowed if more than one person in a family is covered. A 10% discount is available for the online purchase of a policy. -
Modern Treatments
Under the United India Insurance Family Medicare Policy listed modern treatments are covered subject to different sub-limits. -
Health Check-up
United India Insurance Family Medicare Policy offers up to 1% of the average Sum Insured to a maximum of Rs. 5000 per person if the policy is on an individual SI basis and Rs.10000 per policy period if the policy is on a floater basis for a block of every three claim-free years.
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Tax Benefits
The amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
United India Insurance Plans: FAQs
The 5 most-asked questions about United India Family Medicare, answered.
Health Insurance Articles
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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