*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
Who would you like to insure?
The Government of India devised a plan like the New India Assurance Universal Health Insurance APL to mitigate the economic woes and ensure quality healthcare to the APL (Above Poverty Line) sections of the society to individuals, families, and groups. The New India Assurance Universal Health Insurance APL Policy coverers hospitalisation expenses arising out of an accident or illness.
Policy Type |
APL Policy |
Type of Coverage |
Individual, Family, and Group |
Sum Insured |
Up to Rs 30,000 |
Maternity Cover |
Available |
The policy provides both cashless and reimbursement of medical expenses incurred during hospitalization. The primary coverage of the policy includes:
Apart from the above-mentioned coverage, the policy also covers:
Maternity Cover: The amount is limited to Rs 2, 500 for normal childbirth and Rs 5,000 for Caesarean Section. The facility is available in only one pregnancy. The overall cover is limited to a maximum of Rs 30, 000 per family during the policy period.
Waiting periods are applied in the policy for the following situations during which related claims are not accepted:
The insured must consult the policy document for a detailed list and understand their impact on claim settlement.
People should buy New India Assurance Health Insurance under Universal Health Insurance Scheme as the premium is the bare minimum, which is affordable for all. Some of the other salient features of this policy are:
Tax Benefit: Premium for the New India Assurance Universal Health Insurance APL Policy is entitled to tax exemption under Section 80D of the Income Tax Act, 1961.
The minimum eligibility conditions to buy this plan are:
Minimum Entry Age |
Child: 3 months Adult: 18 years |
Maximum Entry Age |
Child: 5 years Adult: 65 years |
The Number of people covered: |
Individual: Maximum 7 members. |
Residential Status |
Indian citizens are eligible to buy the policy. |
The insurer is entitled to cancel the New India Assurance Universal APL Health Insurance policy after serving a 30-day notice to the insured. Likewise, the insured can cancel the policy due to disagreement at any time within the policy term.
Ans: It is a health insurance scheme devised by the Government of India meant for the APL and BPL segments of our society. The policy is issued in the name of the family's head earning member with the others also enjoying the health insurance cover.
Ans: Yes, the policy offers a free-look period of 15 days to the policyholder to review the terms and conditions.
Ans: No, the insurer portal does not support the online purchase of the policy.
Ans: The refund is provided by the insurer's short premium rate, subject to no pending claim on the cancellation date.
Ans: Both the cashless and reimbursement claims are routed through the TPA.