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United India Family Medicare Policy

United India Family Medicare Policy is a dedicated health insurance plan designed to offer maximum health coverage to individuals and families. The family floater health insurance policy known as Family Medicare offered by United India Insurance can be purchased on either an individual or family basis. If you purchased on an individual basis, each insured person would have their sum insured, whereas if you purchased on a family floater basis, the entire family would share the sum insured under the medical insurance plan. You can select a different sum insured option from the policy depending on your family size or other needs.

You are always protected thanks to the wide range of coverage benefits provided by the policy. Some of the costs include those for daycare services, inpatient hospitalisation, pre- and post-hospitalization, treatments received through the Ayurvedic, Unani, and Homoeopathic systems of medicine, as well as costs associated with organ donation.

Read on to learn more about the United India Family Medicare Policy’s eligibility criteria, coverage details, features and benefits, exclusions, buying process, claim procedure, renewal steps, and more.

Eligibility Criteria

Here are the eligibility criteria for the United India Family Medicare Policy.


Minimum- 18 Years

Maximum- 65 Years

Sum InsuredRs. 3 lacs, 4 lacs, 5 lacs, 6 lacs, 7 lacs, 8 lacs, 9 lacs, 10 lacs, 15 Lacs, 20 Lacs & 25 Lacs.
Policy Period1 Year
Pre–Acceptance Medical Check–UpRequired after 60 years
Policy TypeIndividual Basis/ Family Floater Basis

Coverage Details

Here are the coverage details for the United India Family Medicare Policy.

Hospitalisation, Pre and Post Hospitalisation, Daycare proceduresHospitalisation, Pre (30 days) and Post (60 days) Hospitalisation subject to a maximum of 10% of the Sum Insured, All Daycare procedures as defined in the policy are covered
Pre-existing diseaseCovered after 48 months of continuous coverage
Room chargesSI < Rs.5 Lacs: 1% of SI; SI 5 Lacs and above 1% of SI or Single Standard AC Room whichever is more
ICU ChargesSI < Rs.5 Lacs: 2% of SI; SI 5 Lacs and above: Actual
Limit for Cataract Surgery10% of SI, Up to Rs.50,000 per eye.
Ayurvedic/Homeopathic/Unani TreatmentSI Upto Rs.3Lacs: Rs.10000; SI above Rs.3 Lacs upto Rs.15 Lacs: Rs.15000; SI Above Rs.15 Lacs: Rs.25000
Organ Donor Benefit- When the Insured Person is the DonorA lump sum payment of 10% of Sum Insured
Health check-upUp to 1% of the average Sum Insured of the preceding 3 years, subject to a maximum of Rs. 5000 per person if the policy is on an individual SI basis/ Rs. 10000 per policy period if the policy is on a floater basis for a block of every three claim-free years
Restoration of Sum Insured (Optional)Available for SI Rs.3 Lacs and above; On complete or partial exhaustion of SI, up to 100% of SI
Maternity Expenses & Newborn Baby Cover (Optional)

Available for SI above Rs.3 Lacs

Maternity Expenses: After a continuous cover of 24 months, 10% of the Sum Insured

subject to a maximum of Rs. 40000 for normal/ Rs. 60000 for caesarean.

New Born Baby Cover: Upto 10% of SI, Upto 90 days

Online Discount10%

Major Benefits of United India Family Medicare Insurance Policy

The following are the important features and benefits of considering the United India Family Medicare Insurance Plan.

  • In-patient Hospitalisation Expenses Cover

If an insured person receives medically necessary treatment while hospitalised, the plan will cover the reasonable and customary charges as long as the hospitalisation was caused by an illness or injury and was admitted on the specified date.

  • Day Care Treatment Cover

Following a sickness or injury that occurs during the policy period and requires less than 24 hours of hospitalisation, the plan will pay for the insured person’s daycare treatment costs as long as they are incurred during the policy period. This is only true if the surgery is done during the policy period or if the insured person receives daycare treatment for the illness or condition covered under base coverage.

  • Pre-Hospitalisation and Post-Hospitalisation Expenses

Pre-hospitalization medical expenses incurred by the insured person due to an illness or injury occurring up to 30 days before hospitalisation and post-hospitalization medical expenses incurred due to an illness or injury occurring up to 60 days after discharge from the hospital are covered by the policy on a reimbursement basis, up to a maximum of 10% of the sum insured.

  • Ayurvedic/Homeopathic/Unani treatment

Subject to the limits linked to the Sum Insured, as specified in the policy, the policy will pay the reasonable and customary Charges incurred as an in-patient for an insured person if medically necessary treatment is received during hospitalisation.

  • Donor Expenses Cover

Up to the Sum Insured, the plan will pay the inpatient hospitalization Medical Costs incurred for an organ donor’s care during the Policy Period to harvest the donated organ.

  • Road Ambulance Cover

The policy will pay up to: (i) 0.5% of the Sum Insured up to a maximum of Rs. 2500 per event; and (ii) 1% of the Sum Insured up to a maximum of Rs. 5000 per policy period for the transportation of the Insured Person by road ambulance to a hospital for treatment in an emergency following an illness or injury that occurs during the Policy Period.

  • Cost of Health Check-up

Health check-up costs are covered up to 1% of the average sum insured over the previous three years, up to a maximum of Rs. 5,000 per person for policies issued on an individual basis or Rs. 10,000 per policy period for policies issued on a floater basis, for each block of three years between claims.

  • Restoration of the Sum Insured

It is understood that a Restore Sum Insured equal to 100% of the Basic Sum Insured will be automatically and instantly available for the specific Policy Year if the Basic Sum Insured is entirely or partially depleted as a result of claims made and paid or accepted as payable during the Policy Year.

  • Maternity Expense

With a cap of two deliveries or terminations during the Policy Period, or either during the lifetime of the Insured Person, the plan will cover the Medical Expenses incurred as an In-patient for delivery (including a caesarian section) or lawful medical termination of pregnancy.

What’s Exclusioned Under United India Family Medicare Insurance Policy?

Listed below are the things not covered under the United India Family Medicare Insurance Policy.

  • Treatments received in health hydros, nature cure clinics, spas, or comparable facilities, or private beds attached to such facilities that are registered as nursing homes, or admission that is arranged entirely or partially for domestic purposes.
  • The cost of any medical care required as a result of a professional athlete’s participation in risky or adventure sports, such as skydiving, deep-sea diving, hand gliding, motor racing, mountaineering, rafting, parachuting, rock climbing, and others.
  • Unless used intra-operatively, any expenses incurred on the prosthesis, corrective devices; External and or durable Medical / Non-medical equipment of any kind used for diagnosis and/or treatment and/or monitoring and/or maintenance and/or support including instruments used in the treatment of sleep apnoea syndrome; Infusion pump, Oxygen concentrator, Ambulatory devices, subcutaneous insulin pump and also any medical equipment, which are subsequently used at home.
  • Treatment should not be switched from one medical system to another unless the consultant or hospital where the treatment is being received recommends it.
  • Expenses for any treatment that hasn’t been proven effective, as well as services and supplies used in conjunction with treatments. Unproven treatments are those that do not have a substantial body of medical evidence to support their efficacy.
  • Expenses associated with any form of treatment, including surgical intervention, to change a person’s physical characteristics to those of the other sex.
  • Unless necessary for reconstruction following an accident, burn(s), cancer, or as part of medically necessary treatment, costs associated with cosmetic or plastic surgery, or any procedure to change appearance.
  • Surgery or dental care of any kind, unless required by an accident that necessitates hospitalisation.
  • Treatments received in health hydros, nature cure clinics, spas, or comparable facilities, or private beds attached to such facilities that are registered as nursing homes, or admission that is arranged entirely or partially for domestic purposes.

Premium Illustration Of United India Family Medicare Insurance Policy

Let’s take a look at Mr. Mohit Sharma, a 30-year-old New Delhi resident and Senior Content Manager for a reputable MNC. To save time and money and to protect himself and his family from high medical costs, he was looking to purchase a specific health plan. Before deciding on the United India Family Medicare Insurance Policy, he carefully considered all of his options. Let’s examine the premium amount that he must pay in each of the scenarios.

AgeMarital StatusSum InsuredAny Pre-Existing diseasePremium Amount
30 YearsUnmarriedRs. 5 LacsNoRs. 4943 (Excluding GST)
30 YearsUnmarriedRs. 10 LacsNoRs. 6669 (Excluding GST)

How to Buy the United India Family Medicare Policy?

Consider buying a family health insurance plan if you have children. Having such a plan as the United India family medicare insurance plan has many advantages, including cheaper costs for the principal and spouse and access to a single network for emergency care. Having this kind of coverage will keep the bills down and aid the family in maintaining year-round financial stability. They may even reduce your taxable income, saving you money in taxes.

If you are looking to buy the United India Family Medicare insurance Plan, listed below are the steps to follow.

  • Go to the official website of the United India Insurance Company.
  • After that, on the top, you will find the “Products” section. Under “Health Insurance”, click on “Know More”.
  • The moment you click on it, you will need to select “Family Medicare Policy” from the list under “I am Looking for”. Then, click on “Go”. After that, the policy details will be displayed.
  • In the next step, click on “Buy” in the yellow-colored button on the left.
  • Once you click on it, you will need to choose your cover type and then choose “OK”.
  • Then, you will need to enter the date of birth, select your age, gender, relation, marital status, and sum insured, and click on the checkbox Whether you have any pre-existing disease”. Then, click on “Get a Quote”.
  • Then, you will need to enter your email ID and mobile number. Click on the “proceed” button to see your premium amount. If you are satisfied with the details, you can continue with the buying process by clicking on “Quick Online Policy”.
  • In the main step, you will now need to enter your residence address and nominee details. After entering all the details, click on the “Continue” button.
  • After clicking on it, you must choose the document proof and enter your birthdate. Click “Proceed” after entering the information for your ID proof and birthdate.
  • A payment page where you can use your credit/debit card, net banking, EMI, or UPI will open when you click it. Select the method of action that best meets your needs. After that, click “Proceed to Pay”.
  • The last step will be to send you a message and the policy documents using your email address and registered mobile number.

File a Claim for the United India Family Medicare Insurance Policy

When it comes to settling customer claims, United India Health Insurance Company can be trusted. Their TPA oversees the company’s claim resolution process.

Notifying the company is the first step you must take if you need to make a claim. When a hospital stay is planned, the company or TPA should be notified three to four days before the patient is admitted. You must remember to inform the company/TPA within the first 24 hours of admission if you need to go to the hospital in an emergency.

The type of hospital you receive care in determines the type of claim that can be made.

The ability to submit claims without paying cash is available when you visit a network hospital. If you visit a hospital that is not in the network, you must pay the bill in full before filing a claim.

Cashless Claim:

Take the following steps when making a cashless claim:

  • Tell the company, i.e. United India Insurance about your hospitalisation and include your Quote Card ID number.
  • Present the pre-authorization form at the hospital.
  • The claim would be processed by the TPA.
  • At the time of discharge, you would only be responsible for your portion of the cost of care; the TPA would take care of the balance with the bank.

Reimbursement Claim:

If you need treatment at a hospital that is not in the network, let the insurance provider know, then get the care you need and pay the bills when you are released. Obtain all hospital-related documentation related to the patient’s treatment and deliver it to the business or TPA. Your expenses will be covered after the verification of the supporting documents.

Renewal Process of United India Family Medicare Insurance Policy

You never know when you’ll have a sudden medical need. If you don’t renew your insurance, you won’t be able to file a claim for any jarring medical expenses that might unforeseenly arrive at your door. The insurer will set a waiting period during which it won’t cover particular therapies or conditions. If you want to enjoy benefits, then consider these steps to renew your United India Family Medicare Insurance Policy.

  • Visit the United India Insurance Company’s official website.
  • Then click “Know More” next to health insurance in the products section of the blue banner.
  • You must then click Go after selecting the Family Medicare Policy from the “I am Looking for” section.
  • The “Renew” option is then located in the yellow button on the left side. Just click it.
  • When you click on it, a new page will open where you must enter your policy number and a captcha code. Once all the information has been entered, select “Proceed” from the menu.
  • Enter it and then complete the renewal process. The policy’s information will then show up on your screen.
  • You must then pay the insurance renewal premium after that. At that point, you can renew your insurance using a credit or debit card.
  • After you make the payment, a text message containing details about your insurance will be sent to your registered phone number and email address.

Frequently Asked Questions

Yes! Dependent children between the ages of 91 days and 18 years can be covered. The requirement is that one or both parents must be simultaneously covered under the policy. If they are unmarried, unemployed, and dependent, children over the age of 18 may be covered along with their parents.

Yes. All members enrolling after the age of 60 may, at the insurance company’s discretion, be required to undergo a pre-acceptance medical examination.

Yes. The policy pays up to 10% of the insured amount, or a maximum of Rs. 50,000, for expenses related to cataract treatment. Every hospitalisation or surgery is subject to the cap.

No! Hospitalisation at home is not covered by the Family Medicare Policy.

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