United India Insurance Co Ltd has launched all new family medicare policy with revised features. The new version provides for a remote medical second opinion from world’s leading medical centres for certain medical conditions.
The insured needs to contact the toll-free number provided by the company and a list of three world leading medical centres would be given to choose from for obtaining a second opinion. All details of present medical records would be collected from the insured and the medical second opinion would be provided within 10 working days, a statement said.
The revised policy has the sum insured options with a minimum of Rs.2 lakh and a maximum of Rs.10 lakh. For hernia and hysterectomy, the maximum sum has been increased to Rs.1 lakh. Also, the restriction of sum insured subject to maximum of Rs.4 lakh for claims in respect of illness or surgeries has been removed and full sum insured will be available for any major claim.
Of course, all these come with a small additional premium. Cashless access would be made available in all network hospitals and in PPN hospitals in PPB cities.
The insured is entitled to a no claim discount of three per cent after three continuous claim free years and for every subsequent claim free year subject to a maximum of 15 per cent.
