Family Medicare Plan Provided by United India Health-united-india-health-insurance

A comprehensive 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 under the 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, and 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. 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.