Insurance Company
United India Insurance
Policy Name
Individual Gold Plan
Expert Overview -
United India Insurance was incorporated in 1938 and is a well-established public sector insurer. With extensive nationwide operations, it has maintained a consistent presence in health insurance for many years.
Plan Strategy -
Basic individual coverage for age group 36-60 with sum insured from 2-10 lakhs offering essential hospitalization benefits, suitable for budget-conscious individuals
Network Hospitals
5,000+
>8,500 recommended
Claim Ratio
93.53%
>95% recommended
Complaints
15.456
<20 recommended
Policy Features
Policy Analysis Detail
Inbuilt Value
Strategic Verdict
Co-payment
If yes, you will have to pay part of bill
No co-payment
No Co-payment
Room Rent Limit
If higher-category room, you pay part of the bill
Room rent capped
No room rent capping
Disease sub-limit
Leads to some disease not getting covered fully
Sub limits on specified diseases
No sub-limit
No Claim Bonus
Bonus you receive every year on renewal
50% each year (Minimum upto 100%)
Restoration Benefit
Even after claim, base cover gets restored
No restoration benefits
100% restoration once in a year
Pre-Hospitalization
Days covered before hospitalization
30 days
At least 60 days
Post-Hospitalization
Days covered after hospitalization
60 days
At least 120 days
Consumables
Coverage for non-medical consumable items
Non-medical consumables excluded
Consumables covered
Based on IRDAI Public Disclosures (2025-26)
Timing Constraints
Waiting Period Analysis
Initial Waiting Period
30 days
Specific Illness
2 years
Pre-Existing Disease
3 years
