Universal Health Insurance Scheme

Source:- https://sarkariyojana . com/pm-national-health-insurance-scheme-may-cost-rs-8000-crore/pm-health-insurance-scheme/

In India Four publicly owned universal insurance suppliers have executed the Universal Health Insurance Scheme (UHIS) with the aim to improve people’s right to use health care specifically for people below or at the poverty line.

For the first course, this plan comes with a medicinal expenditure repayment of up to INR 30,000 for the hospitalization which the entire family can avail. For death cover produced by accident is up to INR 25,000/- would be provided to the chief earning person of the household.

The Universal Health Insurance Scheme (UHIS) in India to meet the requirements of the families under or at the poverty line. The Universal Health Insurance Scheme (UHIS) is accessible to Indians only for both Above Poverty Line (APL) and Below Poverty Line (BPL) people can have this scheme. This includes families or groups as well as individuals.

Summary:

The payment used to be INR 100/- and now it is changed to INR 200/- for a single person, INR 300/- with 5 members in a family and finally INR 400/- for 7 members in a family.

Who Are Eligible For The Universal Health Insurance Scheme (UHIS)

Source:- https://www . new-site . cignattkonline.in/blog/understanding-universal-health-insurance

Who Are Eligible For The Universal Health Insurance Scheme (UHIS):

Here we have given the eligibility criteria for both Above Poverty Line (APL) and Below Poverty Line (BPL):

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Above Poverty Line (APL) Eligibility for Universal Health insurance Scheme (UHIS):

The individuals who live above India’s countrywide chosen poverty threshold or people who have upper monthly income are called Above Poverty Line (APL) family.

Age Eligibility:

This Universal Health Insurance Scheme (UHIS) scheme is accessible to individuals between 5 years to 65 years old. Children aged between 3 months to 5 years old will be protected under this scheme so long both the parents are protected at that point of time.

The premium for APL Families under the Universal Health insurance Scheme (UHIS):

  • The premium for a single Above Poverty Line (APL) Individual is INR 365 annually
  • The premium for Family members of 5 people or less, i.e. the spouse and maximum 3 children of the insured is INR 548/- annually
  • The premium for Family members over 5 people yet not more than 7 people i.e. the spouse, 3 children and the parents of the insured is INR 730/- annually

Summary:

No refund of the premium for removal of the Insured Person if the Insured Person is having recovered or made a claim in the Policy.

Below Poverty Line (BPL) Eligibility For Universal Health insurance Scheme (UHIS)

Source:- https://www . turtlemint . com/health-insurance/articles/6-government-sponsored-health-insurance-schemes-which-you-should-know/

Below Poverty Line (BPL) Eligibility For Universal Health insurance Scheme (UHIS):

The family’s earnings are likely to be a smaller amount than the countrywide chosen poverty threshold is falls under the Below Poverty Line (BPL) category. Documentation has to be issued by the official of a B.D.O. of the Revenue Department of particular State Govt. has to be attached as a proof to avail the scheme.

Age Eligibility:

This Universal Health Insurance Scheme (UHIS) scheme is accessible to individuals between 5 years to 70 years old. Children between 3 months to 5 years old will be protected only if both the parents are protected at that point of time.

The premium for BPL Families under the Universal Health insurance Scheme (UHIS):

  • The premium for a single BPL Individual is INR 300 annually. Where the insured share is INR 100/- and the Government of India (GOI) Subsidy is INR 200/-. So basically for the Below Poverty Line (BPL), the premium is only INR 100/-
  • The premium for Family members of 5 people or less, i.e. the spouse and maximum 3 children of the insured is INR 450/- annually. Where the insured share is INR 150/- and the Government of India (GOI) Subsidy is INR 300/-. So basically for Below Poverty Line (BPL), the premium is only INR 150/-
  • The premium for Family members over 5 people yet not more than 7 people i.e. the spouse, 3 children and the parents of the insured is INR 600/- annually. Where the insured share is INR 200/- and the Government of India (GOI) Subsidy is INR 400/-. So basically for Below Poverty Line (BPL), the premium is only INR 200/-

The renewal of Universal Health Insurance Scheme (UHIS) Policy is permissible through a mutual agreement. The insurance policy Company is not responsible to give a warning for the renewal and thus the insurance policy company can cancel the policy only by delivering a 30 days’ notice. In such cases, the insurance policy company is bound to refund the premium to the insured person for the unexpired Insurance. The insurance policy company, however, shall remain responsible for any kind of claim that ascend preceding to the date of deletion.

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