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| Family Floater Health Insurance Products in India (for your entire family) |
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| 8- Family Medicare Policy from United India Insurance Company |
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| Source: Website of United India Insurance Company Limited |
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| Pre-Hospitalisation (30 days) & 10% |
Actual expenses subject to maximum of |
| Post-Hospitalisation (60 days) in respect of any illness |
of Sum Insured. |
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| In respect of persons above 60 years, 10% deductible will be applied on all admissible claims. |
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| Any one illness will be deemed to mean continuous period of illness and it includes relapse within 105 days from the date of discharge from the Hospital/ Nursing Home where treatment has been taken. Occurrence of the same illness after a lapse of 105 days as stated above will be considered as fresh illness for the purpose of this policy. |
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| DEFINITION |
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HOSPITAL / NURSING HOME should be registered as a Hospital or Nursing Home.
Should comply with minimum criteria of having 15 inpatient beds, operating theatre, Qualified Doctor and qualified Nurse. |
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| EXCLUSIONS:- |
- Pre-existing disease coverage will not be available for an insured person during the first four years since inception of his/her first policy with the Company
Explanatory Note. The “first policy” shall mean the Family Medicare Policy if insurance is taken for the first time or if previous insurance was with other Company.
In case of existing Mediclaim/Health Policy holders, the “first policy” shall mean the first Mediclaim/Health Policy obtained and renewed without any break with the Company.
N.B.: A Pre-existing disease is defined as “any condition, ailment or injury or related condition(s) for which insured person had signs or symptoms, and / or was diagnosed and/or received medical advice/treatment within 48 months prior to his/her first policy with the Company”.
- Any disease contracted by the Insured person during the first 30 days from the commencement date of the policy. this doest not apply if the person has been insured under a Health Policy issued by our Company for the twelve months immediately preceding the commencement of this Policy.
- During the first two years of the operation of the policy, the expenses on treatment of diseases such as Cataract, Benign Prostatic Hyperthrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital internal disease, Fistula in anus, piles, Sinusitis and related disorders, Gall Bladder Stone removal, Gout & Rheumatism, Calculus Diseases, Joint Replacement due to degenerative Condition and age-related Osteoarthiritis & Osteoporosis are not payable.
- Injury/ disease directly or indirectly caused by or arising from or attributable to invasion, Act of Foreign enemy, War like operations (whether war be declared or not)
- Circumcision unless necessary for treatment of a disease not excluded hereunder or as may be necessitated due to an accident.
- Vaccination or inoculation or change of life or cosmetic or aesthetic treatment of any description.
- Plastic surgery other than as may be necessitated due to an accident or as a part of any illness.
- Cost of spectacles, contact lenses and hearing aids.
- Dental treatment or surgery of any kind unless requiring hospitalisation.
- Convalescence, general debility; run-down condition or rest cure, Congenital external disease or defects or anomalies, Sterility, Venereal disease, intentional self injury and use of intoxication drugs / alcohol
- All expenses arising out of any condition directly or indirectly caused to or associated with Human T-Cell Lymphotropic Virus Type III (HTLB – III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variation Deficiency Syndrome or any syndrome or condition of a similar kind commonly referred to as AIDS.
- Charges incurred at Hospital or Nursing Home primarily for diagnosis
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