United India
Family Medicare
United Insurance Family Medicare: An okay policy with some restrictions, such as not offering full cover for several diseases and a 4-year waiting period for pre-existing illnesses. Consider other alternatives.
United Insurance Family Medicare: An okay policy with some restrictions, such as not offering full cover for several diseases and a 4-year waiting period for pre-existing illnesses. Consider other alternatives.
What We Like
This section highlights the strengths and benefits of Family Medicare policy by United India. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.
Co-Pay for Claims After Age 61 (10%): If you bought this policy after turning 61, you need to pay 10% of the bill for each claim. Otherwise, the insur...
No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...
Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...
What Is Okay
This section outlines the satisfactory but not exceptional aspects of Family Medicare policy by United India. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.
No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...
Diagnostic Tests Coverage (10% of Sum Insured): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ...
What We Don't Like
This section addresses the limitations and drawbacks of Family Medicare policy by United India. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.
Alternative Treatment Coverage (?15,000): Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insurer...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...
Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...
Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...
Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...
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