United India Family Medicare Policy

What is the Plan all About?

In the times of growing medical inflation, a comprehensive family health insurance policy will act as a savior in case of medical exigencies. Family Medicare is one such plan which offers a broad bundle of benefits upto 10 lacs of sum insured and covers all members of the family under one single sum insured. The family comprises of self, spouse and dependent children who can be covered under this policy.

Key Benefits

Umbrella Policy for your family
Coverage allowed 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
Ayush treatment covered

Policy Benefits

Room, Boarding, Nursing expenses, ICU expenses,etc. are covered as per the specified policy limits under in-patient hospitalization which requires minimum 24 hours of stay.
Pre Hospitalization expenses are covered upto 30 days before hospitalization and 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.
Ayush Treatmentif taken in Govt. Hospital or Govt. approved facility is covered under this policy.

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 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.

Sub Limits

Room, Boarding and Nursing expenses are covered upto 1% of the Sum Insured or actual bill 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 the admissible claim amount on 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	-