New India Assurance Universal Health Insurance APL

(42 Reviews)

*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
Get insured from the comfort of your home
  • 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

      New India Assurance Universal Health Insurance APL

      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.

      Read More

      New India Assurance Universal Health Insurance APL: Key Highlights

      Policy Type

      APL Policy

      Type of Coverage

      Individual, Family, and Group

      Sum Insured

      Up to Rs 30,000

      Maternity Cover


      Coverage Offered

      The policy provides both cashless and reimbursement of medical expenses incurred during hospitalization. The primary coverage of the policy includes:

      • In-patient Hospitalization: All expenses are covered subject to applicable sub-limits detailed below:
      • Room and Boarding Expenses:  It is limited to 0.5% of the sum insured
      • ICU Charges: The limit is 1% of the sum insured
      • Surgeon/Anesthetic/Nurse Fees: The cover is for 15% of the sum insured per hospitalization
      • Expenses for Pharmacy, Diagnostics, and Equipment, etc.: Coverage is 15% of the sum insured per hospitalization
      • Total Cover: The total expenses per illness or injury should not exceed Rs 15, 000
      • Support to the Earning Head of the Family: A Disability Compensation of Rs 25, 000 is paid to the family's earning head for accidental injury leading to death within six months of the event.
      • Disability Compensation paid to Earning Head of the Family: Rs 50 per day is paid to the family's earning head for a maximum of 15 days per policy year for hospitalization for any illness or accidental injury (with an excess of 3 days)

      Inclusions of the Plan

      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.

      Exclusions of the Plan

      Waiting periods are applied in the policy for the following situations during which related claims are not accepted:

      • Waiting Period:
      • Initial Waiting Period: Claims are not accepted during the first 30 days from policy inception, except accidental injury.
      • Specific Waiting Period: Claims for a few diseases are not accepted before the expiry of 12 months waiting period.
      • Pre-existing Diseases: The waiting period for this category of diseases is 48 months.
      • Permanent Exclusions: The list of exclusions in this category is long. It includes exclusions like, no coverage for illness or injury due to:
        • Self-harm or Suicide attempt
        • Participation in war, riots, military operations, terrorist activities, etc.
        • Alcohol or drug abuse
        • Participation in adventurous or hazardous activities
        • Nuclear reactions or radioactivity, etc.

      The insured must consult the policy document for a detailed list and understand their impact on claim settlement.

      Features & Benefits of the Plan

      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:

      • Policy Term: One year with lifelong renewability
      • Family Composition: Individual proposer, Spouse, Parents, and a maximum of three dependent children
      • Sum Insured: Coverage of a maximum of Rs 30,000 per family

      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.  

      Eligibility Criteria

      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.

      Cancellation Terms of 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.


      Health insurance articles

      Recent Articles
      Popular Articles
      Does Health Insurance Cover H3N2 Virus?

      20 Mar 2023

      The seasonal H3N2 virus is rapidly spreading across India. As per
      Read more
      Common Wellness Benefits Offered by Health Insurance Plans

      14 Feb 2023

      Health is the biggest wealth in the true sense. No matter how much
      Read more
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      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
      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
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Income Tax Slab for Women: Guide to Exemptions and Rebates
      In India, every person who earns beyond a certain limit is liable to pay income tax to the government. The tax
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.