Universal Health Insurance Scheme

The Universal Health Insurance Scheme was introduced by the Ministry of Health and Family Welfare as part of its proposed UHAM i.e. Universal Health Assurance Mission. In 2003, the Scheme was launched in India with an objective to provide health care services to the needy and the poor sections of the society. The scheme is available to both the Below Poverty Line (BPL) and Non-BPL families. Currently, its insurance reach is close to 25% of the population.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    What is Universal Health Insurance Scheme?

    The Universal Health Insurance Scheme offers coverage for all medical expenses, including personal accident cover to the primary breadwinner of the family. In this scheme, compensation is also provided if the earning member of the family passes away. Both BPL (Below Poverty Line) and APL (Above Poverty Line) families can apply for this scheme.

    Universal Health Insurance Scheme (UHIS) Eligibility Criteria:

    People in India who fall under the category of Below Poverty Line (BPL) or the Above Poverty Line (APL) are eligible to get health insurance under UHIS. Check out the details below:

    Eligibility Criteria for Below Poverty Line (BPL) Families:

    • Eligible age for Adults- 5 years to 70 years
    • Children who are 3 months to 5 years are also covered with their parents under the scheme
    • Family’s Income- Lesser than the policy sum insured/coverage amount
    • Proof of BPL Certificate- It can be taken from the BDO of the Revenue Department or local Tehsildar

    Eligibility Criteria for APL Families:

    • Eligible age for Adults- 5 years to 70 years
    • Children who are 3 months to 5 years are also covered with their parents under the scheme
    • Family’s Income- Lesser than the policy sum insured/coverage amount

    Features of the Universal Health Insurance Scheme (UHIS)

    Mentioned below are some of the features of the Universal Health Insurance Scheme by the Government of India:

    • Coverage in this scheme is available to both the individuals and the groups
    • The scheme is issued in the name of the primary earning member of the family and includes the name of all the family members

    Hospital Benefits

    Criteria

    Hospital room rent and boarding charges on a daily basis

    0.5% of the SI

    Intensive Care Unit ( ICU) Costs Per Day

    1% of the SI

    Cost of Doctors, Surgeon,  Nursing, Anesthetist, Consultants, Specialists

    15% of the SI per Injury/ illness

    Cost of  Medicines, Oxygen, X-Ray,  Blood,  Surgical Appliances, Anesthesia, Chemotherapy, etc.

    15% of the  SI per Injury/ illness

    Maternity Cover  ( Single Child Only)

    Normal Delivery-  Rs 2,500
    Cesarean- Rs 3000

    12 Months Waiting Period)

     

    • All the group policies to be issued in the name of the group, or the institution that is buying it for the BPL families.
    • Universal health insurance scheme will be issued in the name of the member and their family
    • The members cannot be insured under multiple group health schemes

    Benefits and Coverage of the Universal Health Insurance Scheme:

    The main objective of this health insurance scheme is to provide financial coverage to meet the cost of healthcare services. The insured members are paid for medical expenses incurred during hospitalization for any illness, disease, or injury sustained by the insured person. Other benefits offered under the UHIS are given below:

    Other benefits:

    • Every family gets Rs 30, 000 as hospitalization benefit that includes maternity benefit i.e. child delivery expenses as well
    • Maximum claim expenses are restricted to Rs 15, 000 ( exclusive of maternity benefits)

    Personal Accident Cover:

    Universal health insurance scheme provides compensation of Rs 25,000 to the insured in case of the death of the head of the family (the main policyholder of the scheme). This is in the case where the main income earner of the family of the policyholder sustains injury due to a mishap that leads to death within 6 months of the incident.

    Disability Compensation:

    An amount of Rs 50 is paid to the insured in case the policyholder or the spouse is hospitalized due to an illness or an accident. This is provided after 30 days of the waiting period i.e. from the fourth day of the hospitalization for a maximum of 15 days.

    How to Enroll under the Universal Health Insurance Scheme?

    To enroll under this scheme you need to speak to the insurance company who will help in applying for the scheme.

    Documents required

    To apply for Universal Health Insurance Scheme you only need to furnish a Certificate of Proof that you belong to the Below Poverty Line (BPL) Section of the society. This certificate should be taken from either Tehsildar or B.D.O of the State Revenue Department.

    FAQS

    Written By: PolicyBazaar

    Health insurance articles

    Recent Articles
    Popular Articles
    Is Dermatology Covered by Health Insurance Plans?

    21 Oct 2021

    The prevalence of dermatology has risen significantly in India...
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Does Your Health Insurance Remain Valid If You Move Abroad?

    30 Sep 2021

    Health insurance is one of the best investments that you can make...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Best Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL