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

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*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

Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      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

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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


      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.


      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Reasons to Purchase High-Value Health Insurance Cover

      21 Feb 2024

      When you decide to purchase a health insurance plan for you and
      Read more
      Surgeries Covered by New India Assurance Health Insurance Plans

      22 Feb 2024

      In an era where healthcare expenses are skyrocketing in India, the
      Read more
      Is a 10 Lakh Health Insurance Adequate in Your City?

      10 Jan 2024

      An ongoing medical inflation of 14 percent in India (the highest
      Read more
      Dental Treatment Coverage from Star Health Insurance

      21 Dec 2023

      The rising costs of healthcare services have made it necessary for
      Read more
      11 Reasons Why Senior Citizens Should Buy Aditya Birla Activ One Plan

      05 Dec 2023

      Health insurance is one of the biggest assets that senior citizens
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.