Family Health Secure
United Insurance is proud to launch yet another insurance service for the Individuals & families by the name of ‘Family Health Secure’. This is an Individual / Family Health Insurance product which is specially being designed to cater for families who do not have any medical support in times of disease and accident.
The salient feature of this product is the price factor which is kept in a range, affordable to every class of individual.
What we are Giving
2097
Total No. of Policies
396 Million+
Premium
674 Million+
Total Claims
Health insurance has become a necessity today and it plays a major role in healthcare. This is because an unfortunate event of (Disease) Illness or Accident (Injury) may strike at any time and in such cases medical expenses can become unaffordable. Health insurance can prove to be a source of support by taking care of the financial burden that a family may have to go through.
Health insurance takes care of you in such circumstances. It will help you tackle such situations with ease by providing you & your families with timely and adequate medical care. The financial burden of huge medical bills is taken care of by the health insurance you have purchased.
Family Health Secure – Gives you Choice, Convenience and Care UIC Family Health Secure policy offers health insurance plans that are designed for Individuals who wish to provide financial protection to themselves and their dependent family members against medical expenses arising due to sickness and accidents. With UIC you can have peace of mind that your most valuable asset Health is taken care of. This Package covers treatment through its panel of hospitals, where you and your family will receive appropriate treatment in case of an unfortunate ailment or accident without paying anything to the hospital. (Cashless Facility)
Health insurance takes care of you in such circumstances. It will help you tackle such situations with ease by providing you & your families with timely and adequate medical care. The financial burden of huge medical bills is taken care of by the health insurance you have purchased.
Family Health Secure – Gives you Choice, Convenience and Care UIC Family Health Secure policy offers health insurance plans that are designed for Individuals who wish to provide financial protection to themselves and their dependent family members against medical expenses arising due to sickness and accidents. With UIC you can have peace of mind that your most valuable asset Health is taken care of. This Package covers treatment through its panel of hospitals, where you and your family will receive appropriate treatment in case of an unfortunate ailment or accident without paying anything to the hospital. (Cashless Facility)
Some of the salient benefits of the product include
Room Entitlement and Annual LimitsYou have the choice to select aforementioned room rents along with corresponding Annual Limits.
In-patient HospitalizationThe policy pays for in-patient hospitalization expense such as:
- In-Hospital Consultations
- Surgical Fees
- Anesthetists Fee
- Operation Theater Charges
- Prescribed Medicines Used During Hospitalization
- Diagnostic Investigations Blood and Oxygen Supplies Ventilators and Allied Services
- Kidney Dialysis/Chemotherapy and Radio therapy for Cancer Treatment.
Besides in-patient hospitalization the Plans also covers Day Care Procedures. Day care treatments are medical or surgical procedures for which the person is admitted to a hospital bed but does not require an overnight stay.
Specialized InvestigationsThe Policy also pays for five expensive diagnostics tests MRI, CT Scan, Thallium Scan, Mammography and Angiographies to facilitate diagnosis with no condition of hospitalization.
Pre-Post HospitalizationPre and Post hospitalization outpatient treatment is also covered for the following expenses, which is directly related to the cause of hospitalization, each for 30 days before and after the hospitalization, giving you a complete peace of mind.
- Consultants fee in the follow-up visits.
- Cost of medicine and supplies.
- Cost of Lab tests.
Expenses for ambulance services for transportation of insured patient to and from hospitals during medical emergencies.
Accidental Out-patient ExpenseExpenses for emergency treatment of an accident, within and up-to 48 hours of the accident.
Family Health Secure offers choice and convenience according to your affordability and budget. We offer three plans, Rose, Tulip & Jasmine which primarily covers in patients Hospitalization Expenses.
Note:
| Coverage/Plans | Rose Rs. | Tulip Rs. | Jasmine Rs. |
|---|---|---|---|
| Limit Per Annum Per Insured Including Room & Board, Hospital, Surgical & Miscellaneous Expense. | 250,000 | 175,000 | 100,000 |
| Room Entitlement | 9,600 | 3,500 | 2,500 |
| ICU Room & Board -Maximum Number of days per Hospitalization | Actual | Actual | Actual |
| Pre & Post Hospitalization Expense Benet. | 30Days | 30Days | 30Days |
| Ambulance Service for transportation to or between hospital. | 15,000 | 15,000 | 15,000 |
| Accidental Out-patient Expense Benefit. Emergency Treatment within & up-to 48 hours of the accident. | 15,000 | 15,000 | 15,000 |
Rates for single individual insured are as under:
| Age Bracket | Rose Rs. | Tulip Rs. | Jasmine Rs. |
|---|---|---|---|
| 03 months to 17 years | 4,384 | 3,139 | 2,205 |
| 18-29 years | 6,132 | 3,833 | 2,596 |
| 30-34 years | 6,948 | 4,134 | 3,688 |
| 35-39 years | 7,466 | 4,596 | 3,879 |
| 40-44 years | 9,180 | 5,821 | 4,302 |
| 45-49 years | 9,802 | 6,499 | 6,053 |
| 50-54 years | 12,029 | 8,001 | 6,969 |
| 55-59 years | 14,550 | 9,824 | 8,341 |
| 60-64 years | 19,358 | 11,760 | 9,520 |
Note:
- The above rates are inclusive of Govt. Taxes
- A policy issuance fee of Rs.500/-will be charged separately.
- The above rates are subject to periodic revision without prior notice.
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What’s Not Covered?
Some of the main exclusions are:
- Treatment of pre-existing conditions and any disease, illness, medical condition or *injury, and any complication of a pre-existing condition.
- Charges for treatment of congenital disorders / birth defects Treatment arising from or traceable to pregnancy, childbirth, including caesarean, Treatment of psychiatric, mental or nervous disorder, Cosmetic and aesthetic treatments.
- Use of intoxicating drugs and alcohol & any other form of drug dependence.
- Any increase in expenses due to insured being admitted in more expensive room than that allowed by the maximum room and board limit or better facility than the type of Room Entitlement given in the policy.
Note: For complete list of exclusions details of coverage, terms and conditions, please refer to our policy document.
Added Features
24 Hours Medical Hotline:
You have round the clock access to our staff doctors for help during medical emergencies.
Customer Service:
In case you need any clarification or facilitation regarding your policy, our dedicated customer relations staff will be pleased to assist you.
Health Card:
Your will receive a Health Card with your Policy that will contain important information about your Policy. The Health Card will identify you as UIC Insured at our Network Hospitals and entitles you the Credit Facility.
Brochure / Panel Hospitals
Frequently Asked Questions
What is UIC Family Health Secure?
UIC Family Health Secure is a health insurance product designed for individuals and families, providing affordable coverage for medical expenses in case of illness or accidents.
Why is health insurance important?
Health insurance helps cover the financial burden of medical expenses during illnesses or accidents, ensuring timely and adequate medical care for you and your family.
What plans are available under UIC Family Health Secure?
UIC Family Health Secure offers three plans: Rose, Tulip, and Jasmine, each catering to different budgets and coverage needs.
Does UIC Family Health Secure offer a cashless facility?
Yes, the policy provides a cashless facility at panel hospitals, meaning you don’t have to pay upfront for treatments covered under your plan.
What is not covered under UIC Family Health Secure?
The policy does not cover pre-existing conditions, congenital disorders, pregnancy-related treatments, cosmetic treatments, or expenses due to alcohol and drug use.
How do I file a claim under UIC Family Health Secure?
Claims can be filed by presenting your Health Card at any network hospital. The hospital will handle the rest as part of the cashless facility.
What is covered during in-patient hospitalization?
In-patient hospitalization covers consultation fees, surgery, anesthetist fees, diagnostic tests, prescribed medicines, and specialized treatments like kidney dialysis and cancer therapy.
Can I claim for pre and post-hospitalization expenses?
Yes, expenses for up to 30 days before and after hospitalization, including consultant fees, medicines, and lab tests, are covered if directly related to the cause of hospitalization.
Are day-care treatments claimable?
Yes, UIC Family Health Secure covers medical or surgical procedures that require hospitalization but not an overnight stay under the day-care treatment benefit.
What documents do I need to submit for a claim?
Required documents typically include medical reports, prescriptions, and hospital bills. Additional documentation may be required for specific cases.
What types of expenses are covered under the policy?
The policy covers in-patient hospitalization, day-care treatments, pre- and post-hospitalization expenses, emergency treatments for accidents, and ambulance services.
What specialized investigations are covered?
The policy covers five specialized diagnostic tests: MRI, CT Scan, Thallium Scan, Mammography, and Angiographies.
Are out-patient expenses for accidents covered?
Yes, emergency out-patient treatments for accidents are covered for up to 48 hours after the accident occurs.
Does the policy cover maternity-related treatments?
No, the policy excludes coverage for treatments related to pregnancy, childbirth, and cesarean procedures.
What room entitlements are available?
Policyholders can choose from various room entitlements based on the selected plan, and the annual limits are determined accordingly.
How do I renew my UIC Family Health Secure policy?
You can renew your policy by contacting UIC's customer service or visiting the nearest branch. Ensure that all dues are paid before the renewal date.
Is there any waiting period after renewing the policy?
There may be a waiting period for specific treatments after renewal. Refer to your policy document for details.
Can I upgrade my plan upon renewal?
Yes, you can choose to upgrade your plan at the time of renewal, subject to approval and payment of the adjusted premium.
Will my coverage continue if I renew after the expiration date?
If you fail to renew on time, there may be a gap in coverage. It’s important to renew before the policy expiration to ensure continuous coverage.
Are pre-existing conditions covered after renewal?
Pre-existing conditions are generally excluded, but you may refer to your policy to see if any exceptions apply after multiple renewals.
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