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United India Health Insurance Policy- Gold


This is an online health insurance policy for individuals and it aims to cover inpatient hospitalisation expenses. It also covers treatment taken at home following certain conditions.

Suited for

The minimum entry age is 36 years. Those meeting the eligibility age and looking for a basic health insurance cover may opt for this policy. It can also cover other family members under the same policy on a floater or individual sum insured basis.

What does it do?

Like any other basic health policy, it pays the admissible claim amount as stated in the policy document. It covers hospitalisation expenses and  domiciliary treatment availed at home on advice of medical practitioner or doctor. It also covers non-allopathic treatments like Ayurveda, Homeopathy and Unani, if the treatment has been availed in a government hospital or  medical college.


It covers non-allopathic treatment as well.
This policy can be bought online and the premium paid is eligible for tax benefit under section 80D of the Income Tax Act.


There are sub-limits on room rent, boarding and ICU charges.

Our View

It offers the benefits that any basic health insurance offers. Sub-limits on room rent, boarding, nursing and ICU are a drawback. There are policies without such limits.

Entry Age (years) 
Coverage TypeIndividual
Sum Insured (Rs) 
Policy Term (years)1
DiscountFamily discount of 5% of total premium if any family member is also insured under same policy
No Claim BonusNo claim discount of 5% for every claim free year and subsequent years subject to a maximum of 25%
Pre Policy Medical Check UpMandatory for people above 45 years of age. 50% of the cost will be reimbursed on acceptance of the proposal
Grace Period for Policy Renewal15 days
Policy TerminationInsurance company may cancel the policy by giving a 7 days notice period. Insurance company in such a case will repay the pro-rata premium to the insurer if claim has not been made. Insurer may also cancel the policy at any time.
Customer Service 
AddressUnited India Insurance Co. Ltd.
24, Whites Road,
Chennai - 600014
Mail to[email protected]
Call to1800 425 333 33(toll free), 91-044-28520161
Additions to the Plan
Scope of Cover
Cashless facilityavailable if treatment availed in a network hospital
Reimbursement facilityavailable if treatment availed in a non-network hospital
Pre and post hospitalisationcovers medical expenses incurred during 30 days prior to admission to hospital and 60 days after discharge upto maximum of 10% of Sum Insured
Inpatient hospitalisationcovered
Room rent, boarding and nursing expensescovered upto 1% of sum insured per day or actual expenses whichever is less
I.C.U chargescovered upto 2% of sum insured per day
Surgeon, anaesthetist, medical practitioner, consultants, specialist fees, blood, oxygen, chemotherapy, Radiotherapy, Artificial limbs, Cost of prosthetic devices implanted during surgical procedure like pacemaker etc., X-Raycovered
Domiciliary hospitalisationcovered
Other benefits
organ donor's hospitalisation expensesmedical expenses for treatment of organ donor in case of major organ transplant is covered
Day care treatmentcovered for treatment of illnesses mentioned in the policy document
Cost of health check-upreimburses an amount upto maximum of 1% of average basic sum insured once after every 3 continuous claim free years
Cataract, Hernia, Hysterectomyactual expenses or 25% of the sum insured whichever is less
Mjor surgeries including cardiac surgeries, brain tumour surgeries, pace maker implantation for sick sinus syndrome, cancer surgeries, hip, knee, joint replacement surgery, Organ transplantActual expenses or 70% of the Sum Insured whichever is less
Ayurvedic/Homeopathic/ Unani treatmentcovered only if hospitalised in a government hospital or medical college hospital
Exclusions and Waiting Period
Pre-existing illnesseswill be covered after 4 years of continuous renewals with the company
No claim periodinitial 30 days since inception of the policy
Waiting periodcertain illnesses such as Hernia, Piles, Cataract, Sinusitis etc, will be covered after a waiting period of 2 years
Annual Premium
Sum Insured (R)Domiciliary Hospitalisation limit (R)Age (in years)
Premium rates are exclusive of service tax and cess.*Renewals only