There are many people in India who still do not have access to proper healthcare services and are unable to purchase a proper health insurance policy It becomes even more difficult for an individual to purchase a health insurance policy if he/she belongs to the Above Poverty Line (APL) category and Below Poverty Line (BPL) category. Thus, in order to ensure that people belonging to APL and BPL categories do not miss out on their basic rights to proper healthcare services, the Government of India in the year 2003 introduced Universal Health Insurance Scheme (UHIS).
If you sign up for this scheme provided you meet the eligibility criteria, you will receive a medical reimbursement of up to Rs.30,000 if you or a member of your family is hospitalised. In case of death of a family member, the main earning member will receive a death cover of Rs.25,000. If you are the earning member, your family will receive a sum of Rs.50 from the 4th day of being hospitalised up to 15 days along with the death cover in case of your death.
UHIS has been revamped in order to meet the needs of people under both APL and BPL category. If you purchase this plan as an individual, then you will have to pay Rs.200 as monthly premiums. However, if you purchase this scheme as a floater plan, then you will have to pay Rs.300 as a monthly premium if you have a family has up to five members and Rs.400 if your family has up to seven members.
Some of the features of the Universal Health Insurance Scheme are:
Some of the benefits under Universal Health Insurance Scheme are:
|Fees for surgeons, consultant, medical practitioner, anaesthetist, specialists||Up to 15% of the sum insured for each injury or illness|
|Charges related to anaesthesia, oxygen, blood, surgical appliances, medicines, drugs, X-ray, artificial limbs, chemotherapy, etc.||Up to 15% of the sum insured for each injury or illness|
|Maternity Benefit – For only one child (a waiting period of one year needs to be completed)||Rs.2,500 in case of normal delivery, and Rs.5,000 in case of caesarian delivery.|
The policyholder will not be covered under the following circumstances:
Hence, this scheme is a brilliant option for those who belong to the Above Poverty Level category and Below Poverty Level category. If you wish to avail a scheme which provides coverage to both you and your family members in case of hospitalisation, and saves you from worrying about the expenses, then UHIS is a brilliant option to go with.
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