United India Health Insurance has been a trusted name for offering affordable and practical health insurance policies. With a long list of health plans, the company ensures that people from different economic backgrounds can avail of good quality healthcare treatments.
Here is a quick introduction to United India Health Insurance Company
If you are looking for a pocket-friendly health insurance plan that offers you and your immediate family comprehensive coverage, then the Family Medicare Policy by United India Health Insurance is a great option to consider. Available as an individual as well as family floater plan, you can choose the policy type that best suits your requirements.
In the individual plan option, the sum insured is for an individual only, whereas when you go for the family floater type, the sum insured that has been chosen is on a sharing basis. All the members in a floater option are covered under a single sum insured. The plan offers a wide range of sum insured options ranging from INR 3 lakhs to INR 25 lakhs, giving you the freedom to choose a plan that fits well within your budget.
Take a look at the table given below and understand the highlighting features of the Family Medicare Policy:
Your health insurance plan covers you for the medical expenses that are incurred on the written prescription of a recognised medical practitioner. These expenses need to be medically required. Under the United India Family Medicare Policy, depending on the sum insured that you opt for, you can get the following benefits:
In-hospital expenses incurred during the policy period are covered within specified limits. These include:
Cataract surgery expense is covered up to 10% of the sum insured or INR 50,000 (whichever is less)
Road ambulance charges are covered up to INR 5,000
Optional Covers
Every health insurance plan comes with waiting periods that are to be served. A break in the policy can do away with this time, and you may lose out on time already served. Also, there is a set of exclusions. Exclusions are the situations that are not covered under the United India Family Medicare Policy. Let us take a look:
Illness caused or treatments required due to the following reasons are excluded from the policy:
The United India Family Medicare Policy comes with a long list of benefits for you and your family, let’s take a look at some of them:
United India Health Insurance company is reliable and trustworthy when it comes to customers’ claim settlement. The claim settlement procedure of the company is managed by their TPA.
If you have to raise a claim, the first thing you need to do is to notify the company. In case of planned hospitalisation, the company/ TPA should be informed 3-4 days prior to admission to the hospital. In case of emergency hospitalisation, you must remember to notify the company/TPA within the first 24 hours of admission.
The kind of claim that can be made depends on the kind of hospital you take treatment in.
When you go to a network hospital, you can take advantage of cashless claims. In case you go to a non-network hospital, you would have to make the bill payment upfront and raise a claim thereafter.
Take the following steps when making a cashless claim:
In case you seek treatment at a non-network hospital, after notifying the company, get the treatment done and pay the bills at the time of discharge. Collect all the treatment-related paperwork from the hospital and submit them to the company/ TPA. Once the documents are verified, your expenses will be reimbursed.
While cashless claims hardly require any documents, at the time of reimbursement claim, the following documents would be required:
A medical emergency can strike anywhere and anytime. Getting caught off guard in a medical emergency can eat up all your savings. Investing in a suitable health insurance plan is, therefore, crucial for all your financial plans. United India Health Insurance Family Medicare Policy is a great option to consider for the safety and well-being of yourself and your loved ones.
