Universal Health Insurance Scheme (UHIS)
ActiveLaunched by
Ministry of Health and Family Welfare
Launched Date
Launched On July 14, 2003
Available in
Scheme Description
The Universal Health Insurance Scheme (UHIS) is a health insurance initiative launched by the Government of India, aimed at providing accessible and affordable healthcare services to individuals and families across the country. It was introduced to cover vulnerable sections of society and ensure that financial constraints do not prevent them from receiving necessary medical care.
The scheme primarily targets the poor and marginalized sections of the population, offering them an insurance cover that includes hospitalization expenses, surgery costs, and treatment for various illnesses and injuries. The Universal Health Insurance Scheme aims to reduce the financial burden of medical treatment and prevent individuals from falling into poverty due to high healthcare costs.
Benefits
- •Hospitalization Coverage: Reimbursement of hospitalization expenses up to ₹30,000 per family per policy, which includes room charges, nursing expenses, and ICU fees.
- •Maternity Benefits: Covers ₹2,500 for normal delivery and ₹5,000 for caesarean delivery, limited to one child per policy.
- •Personal Accident Cover: Provides ₹25,000 in case of accidental death of the earning head of the family.
- •Disability Compensation: Offers ₹50 per day, up to a maximum of 15 days, if the earning head or spouse is hospitalized due to illness or accident, after a 3-day waiting period.
Eligibility
- •For BPL Families: Family income should not exceed the sum insured amount.
- •For BPL Families: Age of the insured should be between 5 and 70 years.
- •For BPL Families: Children between 3 months and 5 years are covered if parents are insured.
- •For BPL Families: Must provide a BPL certificate issued by the local Tehsildar or BDO.
- •For APL Families: Family income exceeds the sum insured amount.
- •For APL Families: Age of the insured should be between 5 and 65 years.
- •For APL Families: Children between 3 months and 5 years are covered if parents are insured.
Documents Needed
- •Proof of identity (Aadhaar card, voter ID, etc.)
- •Proof of residence (ration card, utility bill, etc.)
- •Age proof (birth certificate, school certificate, etc.)
- •Income certificate (especially for BPL families)
- •BPL card or certificate (if applicable)
- •Passport-size photographs of all family members to be insured
Application Process
- •Visit the nearest public sector general insurance company office (like United India Insurance, National Insurance, etc.) or an authorized agent.
- •Request the UHIS application form and fill in all required details.
- •Submit the form along with necessary documents.
- •Pay the applicable premium (subsidized for BPL families).
- •Upon successful verification, receive the policy document and ID card.