United India Family Medicare Policy is a dedicated health insurance plan designed to offer maximum health coverage to individuals and families. The family floater health insurance policy known as Family Medicare offered by United India Insurance can be purchased on either an individual or family basis. If you purchased on an individual basis, each insured person would have their sum insured, whereas if you purchased on a family floater basis, the entire family would share the sum insured under the medical insurance plan. You can select a different sum insured option from the policy depending on your family size or other needs.
You are always protected thanks to the wide range of coverage benefits provided by the policy. Some of the costs include those for daycare services, inpatient hospitalisation, pre- and post-hospitalization, treatments received through the Ayurvedic, Unani, and Homoeopathic systems of medicine, as well as costs associated with organ donation.
Read on to learn more about the United India Family Medicare Policy’s eligibility criteria, coverage details, features and benefits, exclusions, buying process, claim procedure, renewal steps, and more.
Here are the eligibility criteria for the United India Family Medicare Policy.
Minimum- 18 Years
Maximum- 65 Years
Here are the coverage details for the United India Family Medicare Policy.
Available for SI above Rs.3 Lacs
Maternity Expenses: After a continuous cover of 24 months, 10% of the Sum Insured
subject to a maximum of Rs. 40000 for normal/ Rs. 60000 for caesarean.
New Born Baby Cover: Upto 10% of SI, Upto 90 days
The following are the important features and benefits of considering the United India Family Medicare Insurance Plan.
If an insured person receives medically necessary treatment while hospitalised, the plan will cover the reasonable and customary charges as long as the hospitalisation was caused by an illness or injury and was admitted on the specified date.
Following a sickness or injury that occurs during the policy period and requires less than 24 hours of hospitalisation, the plan will pay for the insured person’s daycare treatment costs as long as they are incurred during the policy period. This is only true if the surgery is done during the policy period or if the insured person receives daycare treatment for the illness or condition covered under base coverage.
Pre-hospitalization medical expenses incurred by the insured person due to an illness or injury occurring up to 30 days before hospitalisation and post-hospitalization medical expenses incurred due to an illness or injury occurring up to 60 days after discharge from the hospital are covered by the policy on a reimbursement basis, up to a maximum of 10% of the sum insured.
Subject to the limits linked to the Sum Insured, as specified in the policy, the policy will pay the reasonable and customary Charges incurred as an in-patient for an insured person if medically necessary treatment is received during hospitalisation.
Up to the Sum Insured, the plan will pay the inpatient hospitalization Medical Costs incurred for an organ donor’s care during the Policy Period to harvest the donated organ.
The policy will pay up to: (i) 0.5% of the Sum Insured up to a maximum of Rs. 2500 per event; and (ii) 1% of the Sum Insured up to a maximum of Rs. 5000 per policy period for the transportation of the Insured Person by road ambulance to a hospital for treatment in an emergency following an illness or injury that occurs during the Policy Period.
Health check-up costs are covered up to 1% of the average sum insured over the previous three years, up to a maximum of Rs. 5,000 per person for policies issued on an individual basis or Rs. 10,000 per policy period for policies issued on a floater basis, for each block of three years between claims.
It is understood that a Restore Sum Insured equal to 100% of the Basic Sum Insured will be automatically and instantly available for the specific Policy Year if the Basic Sum Insured is entirely or partially depleted as a result of claims made and paid or accepted as payable during the Policy Year.
With a cap of two deliveries or terminations during the Policy Period, or either during the lifetime of the Insured Person, the plan will cover the Medical Expenses incurred as an In-patient for delivery (including a caesarian section) or lawful medical termination of pregnancy.
Listed below are the things not covered under the United India Family Medicare Insurance Policy.
Let’s take a look at Mr. Mohit Sharma, a 30-year-old New Delhi resident and Senior Content Manager for a reputable MNC. To save time and money and to protect himself and his family from high medical costs, he was looking to purchase a specific health plan. Before deciding on the United India Family Medicare Insurance Policy, he carefully considered all of his options. Let’s examine the premium amount that he must pay in each of the scenarios.
| Age | Marital Status | Sum Insured | Any Pre-Existing disease | Premium Amount |
| 30 Years | Unmarried | Rs. 5 Lacs | No | Rs. 4943 (Excluding GST) |
| 30 Years | Unmarried | Rs. 10 Lacs | No | Rs. 6669 (Excluding GST) |
Consider buying a family health insurance plan if you have children. Having such a plan as the United India family medicare insurance plan has many advantages, including cheaper costs for the principal and spouse and access to a single network for emergency care. Having this kind of coverage will keep the bills down and aid the family in maintaining year-round financial stability. They may even reduce your taxable income, saving you money in taxes.
If you are looking to buy the United India Family Medicare insurance Plan, listed below are the steps to follow.
When it comes to settling customer claims, United India Health Insurance Company can be trusted. Their TPA oversees the company’s claim resolution process.
Notifying the company is the first step you must take if you need to make a claim. When a hospital stay is planned, the company or TPA should be notified three to four days before the patient is admitted. You must remember to inform the company/TPA within the first 24 hours of admission if you need to go to the hospital in an emergency.
The type of hospital you receive care in determines the type of claim that can be made.
The ability to submit claims without paying cash is available when you visit a network hospital. If you visit a hospital that is not in the network, you must pay the bill in full before filing a claim.
Cashless Claim:
Take the following steps when making a cashless claim:
Reimbursement Claim:
If you need treatment at a hospital that is not in the network, let the insurance provider know, then get the care you need and pay the bills when you are released. Obtain all hospital-related documentation related to the patient’s treatment and deliver it to the business or TPA. Your expenses will be covered after the verification of the supporting documents.
You never know when you’ll have a sudden medical need. If you don’t renew your insurance, you won’t be able to file a claim for any jarring medical expenses that might unforeseenly arrive at your door. The insurer will set a waiting period during which it won’t cover particular therapies or conditions. If you want to enjoy benefits, then consider these steps to renew your United India Family Medicare Insurance Policy.
Yes! Dependent children between the ages of 91 days and 18 years can be covered. The requirement is that one or both parents must be simultaneously covered under the policy. If they are unmarried, unemployed, and dependent, children over the age of 18 may be covered along with their parents.
Yes. All members enrolling after the age of 60 may, at the insurance company’s discretion, be required to undergo a pre-acceptance medical examination.
Yes. The policy pays up to 10% of the insured amount, or a maximum of Rs. 50,000, for expenses related to cataract treatment. Every hospitalisation or surgery is subject to the cap.
No! Hospitalisation at home is not covered by the Family Medicare Policy.