United India Family Medicare 2014 Health Insurance Plan
United India Family Medicare 2014 Health Insurance Plan - An extension of family Medicare plan with enhanced coverage and benefits. All-inclusive medical cover for the members of the family under a single Sum Insured. High sum insured as compared to other healthcare plans in the market i.e. between 1 to 10 lakh.
- An extension of family Medicare plan with enhanced coverage and benefits.
- All-inclusive medical cover for the members of the family under a single Sum Insured.
- Dependent children between the age of 3 months and 18 years can be covered provided either or both parents are covered concurrently.
- High sum insured as compared to other healthcare plans in the market i.e. between 1 to 10 lakh.
- No claim discount of 3% after three continuous claim free years and subsequent claim free years subject to maximum of 15%.
- Free Look period of 15 days shall be applicable at the inception of the first policy.
- Cashless facility in more than 7000 hospitals across Pan India.
- Free Medical check-up once at the end of every three underwriting years provided no claims reported during the block and subject to policy renewed without any break. The limit applicable is 1% of the average Sum Insured during the preceding three policy periods.
- Premium paid for self, spouse, dependent children and dependent parents are exempt from Income Tax under Section 80-D of the IT act as per rules in force.
Coverage - United India Family Medicare 2014 Health Insurance Plan
- Hospitalization expenses such as Room, Boarding and Nursing expenses not exceeding 1% of the Sum Insured or actual whichever is less.
- Expenses incurred towards ICU for an amount not exceeding 2% of the Sum Insured or actual whichever is less.
- Expenses incurred for Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees.
- Expenses incurred on Anesthetic, blood, oxygen, Operation theatre charges, surgical appliances, Medicines & drugs, dialysis, chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted during surgical procedure like Pacemaker, orthopedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory/diagnostic tests, x-ray and similar expenses that are medically necessary and hospitalization expenses (excluding cost of organ) incurred for donor in respect of organ transplant to the insured.
- Pre-hospitalization expenses incurred up to 30 days prior to date of admission and Post-hospitalization expenses incurred up to 60 days from the date of discharge. Subject to a maximum limit of 10% of the Sum Insured.
- Expenses for the following illness restricted to –
Cataract - 10% of SI subject to maximum of Rs.25,000/-
Hernia - 15% of SI subject to maximum of Rs.30,000/-
Hysterectomy - 20% of SI subject to maximum of Rs.50,000/-
Major surgeries - 70% of SI subject to maximum of Rs.4 lac.
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Certain specified Day Care procedures which require less than 24 hours hospitalization.
Treatment taken in a Government Hospital or in any Institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.
| Health Insurance Companies in India |
|---|
| Bajaj Allianz Health Insurance India |
| Bharti AXA Health Insurance India |
| Cholamandalam Health Insurance India |
| Cigna TTK Health Insurance India |
| Future Generali Health Insurance India |
| HDFC ERGO Health Insurance India |
| IFFCO TOKIO Health Insurance India |
| L&T Health Insurance India |
| Liberty Videocon Health Insurance India |
| Max Bupa Health Insurance India |
| National Health Insurance India |
| New India Health Insurance India |
| Oriental Health Insurance India |
| Raheja QBE Health Insurance India |
| Reliance Health Insurance India |
| Religare Health Insurance India |
| Royal Sundaram Health Insurance India |
| SBI Health Insurance India |
| Star Health Insurance India |
| United India Health Insurance India |
| Universal Sompo Health Insurance India |