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United India

United India

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What We Like

This section highlights the strengths and benefits of Senior Citizen 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...

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...

Covers Alternative Medicine

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

What Is Okay

This section outlines the satisfactory but not exceptional aspects of Senior Citizen 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.

Pre & Post hospitalization expenses covered up to a certain limit

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...

Some coverage if you are forced to hospitalize at home

Diagnostic Tests Coverage (10% of Sum Insured): No worries if the doctor has to run a host of diagnostic tests before or after hospitalizing you. The ...

What We Don't Like

This section addresses the limitations and drawbacks of Senior Citizen 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.

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...

Has disease wise sub-limits

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...

Long waiting period for pre-existing diseases

Coverage Limits for Heart Diseases, Major Surgeries: Your insurance cover won’t be fully available if you are treated for heart diseases, major surger...

No Restoration Benefit

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...

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No free Health Checkups unless you wait 3 years

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Has disease wise sub-limits

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...

Long waiting period for pre-existing diseases

Coverage Limits for Heart Diseases, Major Surgeries: Your insurance cover won’t be fully available if you are treated for heart diseases, major surger...

No Restoration Benefit

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...

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No free Health Checkups unless you wait 3 years

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Long waiting period for pre-existing diseases

Coverage Limits for Heart Diseases, Major Surgeries: Your insurance cover won’t be fully available if you are treated for heart diseases, major surger...

No Restoration Benefit

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...

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No free Health Checkups unless you wait 3 years

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No Restoration Benefit

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...

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No free Health Checkups unless you wait 3 years

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No free Health Checkups unless you wait 3 years

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

No free Health Checkups unless you wait 3 years

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

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 Senior Citizen 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 Senior Citizen Plan is specifically designed to cater to the healthcare needs of individuals aged 60 years and above, offering tailored coverage for common age-related conditions.

Yes, the plan covers domiciliary hospitalization, allowing treatment at home if the patient is too ill to be moved to a hospital.

Yes, age-related conditions such as arthritis, osteoporosis, and cataracts are covered after the waiting period.

Yes, the plan includes benefits like geriatric care services, annual health check-ups, and discounts on medical services for senior citizens.

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