United India Family Medicare Health Insurance Wordings

Yes! You can cover dependent children between the age of 3 months and 18 years. The condition is that either or both parents should be covered concurrently under the policy. Children above 18 years can be covered along with parents if they are unmarried/unemployed and dependent.

Under Family Medicare Policy, all hospitalisation expenses (excluding cost of organ, if any) incurred for donor with regards to organ transplant to the insured are covered. 

No! Family Medicare Policy does not provide cover for domiciliary hospitalisation.

Yes! On buying Family Medicare Policy, a policyholder becomes eligible for No Claim Discount of 3% after 3 continuous claim free years on renewal premium and for every subsequent claim free years, subject to maximum of 15%. Expenses of Health Check-up will be reimbursed once at the end of every 3 continuous years of insurance provided no claims are reported during the block, up to 1% of average sum insured of previous 3 policies.

Yes! Policyholders can avail tax rebate according to Income Tax rules under Section 80D.

Family Medicare Policy comes with the following waiting periods: 

• Waiting period for pre-existing diseases: 48 months
• Waiting period for specific diseases: 24 months or 48 months
• Initial waiting period: 30 days

Yes. You might need to undergo a pre-acceptance medical check-up at the insurance company’s discretion for all the members entering later than 60 years of age. 

Yes. The policy covers you for expenses arising due to cataract treatment for up to 10% of the sum insured for up to a maximum of Rs. 50,000 per eye. The limit is applicable for every hospitalisation or surgery.