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Most Popular Policies of United India

  • United India Insurance Family Medicare Policy
    This policy covers both the proposer and his/her family. Two add-on covers are also available under this plan to cover daily expenses in hospital and ambulance costs.
    Key features of Family Medicare Policy
    • No medical check-up required up to 45 years and Rs. 10 Lakhs sum insured
    • Maximum entry age is 80 years
    • Optional cover for critical illness is available
    • Organ donor treatment expenses are covered
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  • United India Super Top Up Plan
    This top-up policy covers medical expenses when total amount goes past the deductible limit of what you have to pay.
    Key features of Super Top-up Plan
    • Up to Rs. 2,500 coverage for emergency ambulance service
    • Selected day care procedures such as radiotherapy, chemotherapy,dental surgery, eye surgery, are covered
    • Coverage for In-patient treatment is available beyond threshold limit up to the sum insured.
    • Organ donor expenses are covered
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  • United India Individual Mediclaim Policy
    This health insurance policy is designed to protect individuals from medical expenses for both planned and emergency hospitalization
    Key features of Individual Mediclaim Policy
    • Organ donor expenses Up to chosen sum assured
    • Coverage for major surgeries Up to 70% of the chosen sum assured
    • Coverage available for Specific day care procedures
    • Coverage available for Ayurvedic treatment if undertaken at a government-approved center
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  • United India Senior Citizens Health Insurance Policy
    Senior Citizens Health Insurance Policy is designed to protect senior citizens in the age group of 61 years to 80 years.
    Senior citizen health insurance plan
    • Organ donor expenses are covered up to sum assured
    • Coverage for Cataract, Hysterectomy, Hernia up to 25% of sum assured
    • Major surgeries are covered up to sum assured
    • Ayush treatments are covered if it is undertaken at a government-approved center
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United India Insurance Family Medicare Policy

United India has brought into view the United India Insurance Family Medicare health Policy.This policy aims at covering the whole family of the benefactor and that too at very low premium rates. In today’s world, one cannot afford falling sick and once they fall sick then the expenses are too much. It is, in this time, the greatest thing to have a Medicare policy in the name so that the medical expenses can be taken care of by the company.

The United India Insurance Family Medicare Health policy is a policy which is one of a kind. Most families are choosing this policy because of the facilities that they give. The health Insurance premiums which are paid upto Rs. 15,000 in case of individuals are allowed as a deduction from the taxable income each year. The exemption continues to Rs. 20,000 for senior citizens.

Some of the benefits under the policy are:-

If opted for, then there is an additional cover for critical illness.
On the payment of additional premium, ambulance charges and daily hospital cash benefit cover is also available.
No medical up to 45 years and Rs. 10 lac sum assured.

Some additional benefits that the policy covers include:-

Hospital Room rent and boarding as well as nursing expenses are borne by the policy.
Nursing care charges, RMO charges, the cost of IV fluids blood, oxygen, injections and administration charges are covered. Expenses related to ICU, diagnostic procedures, operation theater, anesthesia, surgical appliances, pacemakers etc are also borne.
Expenses related to the organ donor (excluding the cost of organ) are covered.

Along with all these, the company also covers the cost of X-Ray, Dialysis, Chemotherapy, Radiotherapy, laboratory tests. Cataract, hernia, hysterectomy, cardiac surgery, cancer surgery, sinus syndrome are certain diseases that are covered by the policy but the cover is restricted to a certain percentage of the sum insured. The pre hospitalization charges for 30 days and post hospitalization charges for 60 days are covered by the United India Insurance Family Medicare Health Plan.

The policy can also be bought online from:-

If the features and benefits given by the policy urge you enough to buy the policy then click on the link below. The United India website also has an option of buying the policies with the help of credit cards and debit cards. You can also call in an agent of the company over to your home to explain the nitty gritty of the policy.

The key features of the policy are:-

The key features of the United India Insurance Family Medicare health plan include no medical tests required for the sum insured up to Rs. 10 lac and the age of upto 45 years. There is a wide cover for treatment against Illnesses and accidents. The benefactors are supposed to get coverage before, during and after hospitalization.

The policy cover is of two major types:-


Some of the exclusions present in the policy are:-

Any kinds of treatments that are done in the first 30 days of the inception of the policy except the accidental case are excluded from the coverage of the policy. The pre-existing conditions of the benefactor are not included under the coverage for the first 4 years. There is two year exclusion on the treatment of cataract, hernia, hydrocele, benign prostatic hypertrophy, gall bladder stone removal etc. HIV AIDS related diseases are excluded from the coverage.

Any kind of injuries suffered by abuse of drugs, alcohol or any kind of intoxicants does not fall under the coverage of the policy. There is two year exclusion for cataract, joint replacement related problems. The non-medical expenses are also excluded from the coverage of the policy. Any kind of cost related to vitamins and tonics unless a part of the treatment is not covered under the policy.

The eligibility criteria of the policy include:-



Coverage Amount (In INR) 1,00,000 10,00,000
Policy Terms (In Years) 1 1
Entry Age of Benefactor (In Years) 18 80

You can buy the policy online from the link given below. Credit cards and debit cards can also be used to buy the policy from the website. After filling up the form and submitting the required amount, the policy will be there in your doorstep in just a few days.

Other insurance companies offering similar policies:-

  • HDFC Ergo heath Suraksha
  • Royal Sundaram Family Health Insurance
  • New India Assurance Mediclaim