United India Family Medicare 2014 Policy

What is the Plan all About?

Family Medicare 2014 covers all members, including self, spouse and dependent children under one single policy.It is a comprehensive health insurance plan for you and your family, which will offer multiple benefits to shield you from the big hospital bills and other allied costs.

Key Benefits

Single Policy for your family
Sum insured can be opted upto 10 lacs
Cashless facility in 7000 hospitals PAN India
Free Medical check-up once in 3 claim free years
Lifetime Renewability under this plan
Ayurvedic treatment covered

Policy Benefits

Room, Boarding, Nursing expenses, ICU expenses,etc. are covered as per the specified policy limits underin patient hospitalization which requires minimum 24 hours of stay.
Pre Hospitalization expenses are covered upto 30 days before hospitalization.
Post Hospitalization expenses are covered upto 60 days after discharge from the hospital.
Day Care Procedures which require less that 24 hours of hospitalization are covered.
Ayurvedic Treatment is covered if taken in Govt. Hospital or Govt. approved facility.

Value Added Benefits

No Claim bonus of 3% after 3 continuous claim free years and subsequent claim free years subject to maximum 15% of sum insured.
Cashless Hospitalization in more than 7000 hospitals across India.
Add on Covers such as Ambulance service expenses reimbursement and Daily Hospital Cash are available.
Avail Tax benefits for the premium paid towards this policy under section 80D of IT Act.
Free Medical check-up once in a block of 3 claim free years.
Option to avail second opinion.

Sub Limits

Room, Boarding and Nursing expenses are covered upto 1% of the Sum Insured or actual bill amount whichever is less.
ICU expenses covered upto2% of the Sum Insured or actual whichever is less.
Pre & Post Hospitalization expenses are covered subject to the maximum limit of 10% of the Sum Insured.
10% of admissible claim amount of each claim as co-payment in respect of persons above 60 years.

Waiting Period Clause

Initial Waiting Period: Any diseases contracted during first 30 days of the policy start date, except those arising out of accidents.
Specific Waiting Period: Some treatments such as Cataract, Fistula in anus, Piles, hernia, etc. are covered after 2 or 4 consecutive policy years.
Pre existing Disease Waiting Period: This plan has a waiting period of 4 years to cover pre existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Child: 3 Months, Adult: 18 Years	Child: 18 Years, Adult 80 Years
Sum Assured	1 Lac	10 Lacs
Cover Type	Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Ambulance Cover & Daily Hospital Cash	-