United India Insurance Family Medicare Policy

• Hospital room rent and boarding as well as nursing expenses
• Nursing care charges, RMO charges, cost of IV fluids, blood, oxygen, injections and administration charges
• ICU, diagnostic procedures, operation theatre, anesthesia, blood, oxygen, medicines, drugs & consumables, surgical appliances, prosthetics, pacemaker and other devices implanted internally
• Expenses of donor (does not cover cost of organ)
• All hospitalisation expenses
• 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

• 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

An individual and/or his spouse

Dependent children

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.

• 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
• 2 yrs exclusion for: cataract, hernia, hysterectomy, Joint Replacement, Hydrocele