United India

United Insurance Individual Platinum: An okay policy with some restrictions, like not offering full cover for several diseases and a 4-year waiting period for pre-existing illnesses. Consider other options.

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whatWeLike What We Like

This section highlights the strengths and benefits of Individual Platinum Plan policy by United India. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Individual Platinum Plan policy by United India. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Some coverage if you are forced to hospitalize at home

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Individual Platinum Plan policy by United India. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Restoration Benefit

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

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No Bonus for being healthy and not claiming insurance

Domiciliary Cover (10% of Sum Insured): The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical co...

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No free Health Checkups unless you wait 3 years

Domiciliary Cover (10% of Sum Insured): The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical co...

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Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

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Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

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No Bonus for being healthy and not claiming insurance

Domiciliary Cover (10% of Sum Insured): The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical co...

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No free Health Checkups unless you wait 3 years

Domiciliary Cover (10% of Sum Insured): The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical co...

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Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

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Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

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No free Health Checkups unless you wait 3 years

Domiciliary Cover (10% of Sum Insured): The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical co...

Learn More

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Learn More

Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Learn More

Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Learn More

Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Learn More

Long waiting period for pre-existing diseases

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

Learn More

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Individual Platinum Plan in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Individual Platinum Plan is best suited for individuals seeking top-tier health coverage with the highest available sum insured and extensive benefits.

Yes, the plan covers alternative treatments such as Ayurveda, Homeopathy, and Unani, giving policyholders flexibility in their healthcare choices.

Yes, the plan includes wellness programs that offer incentives for maintaining a healthy lifestyle, including discounts on renewals for fitness activities.

The plan provides a lump-sum benefit for certain critical illnesses, offering financial support beyond the standard hospitalization coverage.

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