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

HDFC Ergo Health Suraksha

Royal Sundaram Family Health Insurance

New India Assurance Mediclaim

United India Gold Health Insurance Plan

United India Platinum Health Insurance Plan

United India Senior Citizen Health Insurance Plan

United India Super Topup Health Insurance Plan

United India Topup Health Insurance Plan