United India Health Insurance for Kids

United India lets kids enjoy health insurance coverage through the way of its Family Medicare Policy. An umbrella policy for the entire family members, this policy comes with a lot of benefits for children aged between 3 months and 18 years, such as pre and post hospitalisation, cashless treatment, e-opinion, no claim bonus and much more.

• Sum Insured of the policy ranges between Rs. 1 Lakh to Rs. 10 Lakh
• Cashless treatment for children in network hospitals across India
• Guaranteed lifetime renewal of the policy
• 3% of NCB discounts after three continuous claim-free years
• The sum insured enhancement at the time of renewal
• Experienced third-party claim settlement professionals
• Reimbursement of health check-up once every three continuous years

Scope of Coverage

• Pre-hospitalisation expenses 30 days prior to hospitalisation
• Post hospitalisation up to 60 days after discharge from the hospital
• Inpatient treatment expenses for children: room charges, nursing charges, doctor's fees, blood, ICU charges, etc.
• Remote medical second opinion for certain health conditions
• Add-on coverage options for hospital daily cash and ambulance
• Daycare procedures requiring less than 24 hours hospitalisation
• AYUSH treatment if taken in a government hospital or government-recognized hospital

Eligibility

The policy covers children aged between 3 months and 18 years along with single or both the parents. The age of the proposer should be between 18 and 80 years.

Exclusions

• Claim for an illness/disease during the first 30 days from the commencement of the policy
• 2/4 years of the waiting period for certain diseases mentioned
• Vaccination unless it is the case of an animal bite
• Plastic surgery, circumcision, and cosmetic surgery
• Pre-existing diseases up to 4 years of continuous coverage

If you have any doubt regarding the health care benefits of children under the Family Medicare policy, dial our customer care toll-free number 1800-120-5698 and get all your questions answered.