Get insured from the comfort of your home No medicals required

Tell us about you

United India Gold Health Plan

United India Gold Health Plan

“Life is better when you are laughing”. Gold plan covers your medical expenses against unfortunate diseases so that you can smile with your loved ones in difficult times. This policy basically covers hospitalization expenses for untimely illness.

Key Features

  • Covers expenses for day care (that requires hospitalization for less than 24 hours) procedures.
  • Room and boarding expenses are covered up to 1% of sum insured.
  • Pre and post hospitalization expenses are covered and it is covered up to 10% of sum insured.
  • Diseases like cataract, hernia are covered up to 25% of sum insured.
  • Fees of surgeon and medical practitioner is covered.


  • Cashless services are available across 7000 hospitals.
  • Family discount of 5% on premium is available if family members are also covered.
  • Tax benefit under section 80D can be availed by the insured.

Details about Premium

Sum insured is available from Rs 1 lac to 5 Lacs in multiple of 50,000.Premium will depend on the age, sum insured and coverage.

Minimum sum insured: Rs 1, 00,000

Maximum sum insured: Rs 5, 00, 000

Free look period: If the policy holder doesn’t want to continue with the policy, he can cancel it by giving the reason of cancellation of policy. Policy can be withdrawn within 15 days from the date of commencement of the coverage.

Grace period:If the policyholder doesn’t renew the policy on time, grace period of 30 days is given to him to make the payment.

Documents Required

To purchase the policy, a proposer needs to fill up an ‘Application form/ proposal form’. Also the form should be having complete detail about your medical condition. In certain cases, medical examination may be required and it will be decided on the basis of sum insured and age of the person.

Eligibility criteria

Person in the age group of 36-60 years can buy this policy. This policy can be availed by children in the age group of 3 months to 18 years provided parents are also covered under the same policy.




Cataract, Hernia, Hysterectomy

Actual expenses or 25% of SI whichever is less.

Major illness/surgeries 

Actual expenses or 70% of SI whichever is less.

Day Care Treatment

Certain specified Day Care procedures which require less than 24 hours hospitalization.


Treatment taken in a Government Hospital or in any Institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.


  • Dental treatments are excluded.
  • Sexually transmitted diseases are excluded.
  • Pregnancy or maternity expenses are excluded.
  • Waiting period of 48 months for pre-existing diseases.
  • Waiting period of 2 to 4 years for certain diseases.
Written By: PolicyBazaar - Updated: 29 June 2020
566,840 Confirmed Cases in India*
10,766,247 Confirmed Cases worldwide*
504,123 Confirmed deaths worldwide*
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 0 Reviews)
Sign up for newsletter
Sign up our newsletter and get email about health plans.

Top Articles

Best Health Insurance Plans in India 2020

Best Health Insurance Plans in India 2020

Health insurance is amongst the most intricate insurance products, as it comes with numerous riders and benefits, and hence, there are so many variants to it. The insurance marketplace nationwide is quite competitive. You must consider comparing th...
Best Health Insurance Companies in India

Best Health Insurance Companies in India

Every year, a list of top health insurance companies in India is declared which helps in taking the right insurance decision. There are few important features that help it to rate the insurance companies, such as their performances, Incurred Claim ...
Top Maternity Insurance Plans

Top Maternity Insurance Plans

Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood. Though rearing a child is an expensive affair and may require good financial backup to meet the requirements of a growing baby. From ho...
Health Insurance Companies in India

Health Insurance Companies in India

There are lots of options as far as health insurance companies are concerned as both public as well as private health insurance providers are offering health insurance coverage in India. Every health insurance company offers different health insura...
Top Family Health Insurance Policies in India 2020

Top Family Health Insurance Policies in India 2020

From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to adulteration. Due to this, the disease rate in India is rising drastically. Naturally, more and more people are visiting hospitals frequently. A...