Also covers many cost of X-ray, Dialysis, Chemotherapy, Radiotherapy, laboratory tests etc
Cataract, hernia, hysterectomy, cardiac surgery, cancer surgery, brain tumor surgery, hip replacement, knee joint replacement, sinus syndrome –cover restricted to a certain percentage of sum assured
Pre-hospitalisation for 30 days and post hospitalisation costs for 60 days
Additional Benefits of United India Insurance Family Medicare Health Plan
No medical up to 45 yrs and Rs. 10 lakh sum assured
Additional cover for Critical illness (optional)
On payment of additional premium, ambulance charges and daily hospital cash benefit cover available
Eligibility and Restrictions of United India Insurance Family Medicare Health Policy
Minimum
Maximum
Coverage Amount (in Rs.)
1,00,000
10,00,000
Policy Term (in years)
1
1
Entry Age (in years)
18
80
Family floater policy will cover
An individual and/or his spouse
Dependent children
Tax Benefits in United India Insurance Family Medicare Health Policy
Health Insurance premiums paid up to Rs. 15,000 in case of individuals are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act. The exemption is Rs 20,000 for senior citizens.
Exclusions - What is not covered in United India Insurance Family Medicare Health Policy?
Treatments within first 30 days, exceptions – accidental case
Pre-existing conditions for first 4 years
Two year exclusion on treatment of cataract, hysterectomy, hernia, hydrocele, benign prostatic hypertrophy, sinusitis, gall bladder stone removal, age-related osteoarthritis, osteoporosis etc
HIV, AIDS and related diseases
General weakness, convalescence, self-inflicted or intentional injury
Naturopathy treatment, acupuncture, acupressure and such other therapies
Abuse of drugs, alcohol and intoxicants
Cost of vitamins and tonics unless part of treatment
Non-medical expenses
Cost of contact lens, hearing aids, spectacles, crutches, braces, collars, slings and other ambulatory devices etc
Conditions caused due to nuclear weapons, war, invasion of foreign army etc
Pregnancy, childbirth-related and voluntary termination of pregnancy
Charges like service charge, admission fees, surcharge levied by hospital