| 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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| CANCELLATION |
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| The following optional covers are available on payment of additional premium as given below |
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| 1. |
Ambulance Charges |
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The Policy will cover Ambulance charges in connection with admitted claim incurred to shift the insured person from Residence/ accident site to Hospitals in emergency cases and from one Hospital/ Nursing Home to another Hospital/Nursing Home/Diagnostic centre for better care/ diagnosis, upto a maximum of Rs.2500/- per policy period – Additional Premium Rs.100/-. |
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| 2. |
Hospital Daily Cash Benefit |
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The Policy will pay to the insured person a Daily Cash Allowance as given below from the third day onwards for the period of hospitalisation in connection with admitted claims subject to a maximum stated below on payment of additional premium as under – |
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| Additional Premium |
Allowance per day |
Subject to maximum of |
| Rs.150/- |
Rs.250/- |
Rs.2,500/- per policy period |
| Rs.300/- |
Rs.500/- |
Rs.5,000/- per policy period |
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| CLAIM PROCEDURE |
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| All claims will be processed and settled by specified Third Party Administrator (TPA) licensed by IRDA. |
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| The payment will be made either to Hospital/Nursing Home in case of Cashless treatment and to the Proposer/insured person in other cases. |
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| Intimation of Hospitalisation |
to be made immediately to the TPA. |
| To avail Cashless facility |
Pre-authorisation request to be sent or faxed to TPA immediately on admission. |
| In Reimbursement cases |
Insured to intimate TPA about hospitalisation of insured persons immediately on admission or not later than 24 hours. Claim bills to be submitted to TPA within seven days of discharge. |
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| All claims under this policy shall be payable in Indian currency. |
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| The Company may at any time cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact or non-cooperation by the insured by sending seven days notice in writing by Registered A/D to the insured at his last known address in which case the Company shall return to the insured a proportion of the last premium corresponding to the unexpired period of insurance if no claim has been paid under the policy. |
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| The insured may at any time cancel this policy and in such event the Company shall allow refund of premium at Company’s short period rate table given below provided no claim has occurred upto the date of cancellation. |
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| PERIOD ON RISK |
RATE OF PREMIUM TO BE CHARGED |
| Upto one month |
1/4th of the annual rate |
| Upto three months |
1/2 of the annual rate |
| Upto six months |
3/4th of the annual rate |
| Exceeding six months |
Full annual rate. |
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| This Prospectus shall from part of the proposal form. Please sign in token of having noted the contents of Prospectus. |
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| Signature |
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| Name |
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| Place |
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| Date |
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