Health insurance is an important aspect of financial planning to ensure that medical emergencies do not become a financial burden. Among the various health insurance plans available, the Universal Health Insurance Scheme (UHIS) stands out as a great government-supported initiative aimed to ensure that high-quality health services are available to everyone.
Let's delve deeper to know in depth about the Universal Health Coverage Scheme in detail, including its main functions, coverage and several advantages.
What is the Universal Health Insurance Scheme (UHIS)?
The Universal Health Insurance Scheme is an initiative launched by the government of India to provide reasonable health insurance for lower-income groups (LIGS). This health insurance scheme aims to provide essential health services with financial security against expenses arising from medical treatments.
Main objective of UHIS Insurance:
· Affordable healthcare access: Affordable access to the healthcare system ensures that essential medical services are available to economically weaker sections.
· Financial security: Reduces the financial burden associated with hospitalisation charges and medical expenses.
· Inclusive coverage: Provides insurance coverage for individuals, families and groups to ensure extensive medical protection.
Key Features of UHIS Insurance
Universal Health Insurance Scheme is designed to offer essential healthcare benefits while keeping premiums in a minimum range. Below are the most important features of this scheme:
· Extensive coverage
Universal Health Insurance Scheme covers hospitalisation expenses, including costs before and after hospitalisation, surgical procedures etc. It also includes coverage for specific critical diseases.
· Coverage for individuals and families
The Universal Health Insurance Scheme offers both individual and family floater health insurance plans to ensure that the whole family can get additional benefits under the scheme.
· Low premium costs
One of the prominent features of the UHIS insurance scheme is its low premium costs which are highly accessible for low-income families, who can't afford to get insured under health insurance schemes.
· Cashless hospitalisation facility
Universal Health Insurance Scheme provides cashless treatment at network hospitals, eliminating the need for policyholders to arrange and manage funds during medical emergencies.
· Maternity and childcare Benefits
The Universal Health Insurance scheme provides various maternity benefits and coverage for newborns, which ensures extensive care for pregnant women and infants which are covered in most maternity insurance plans.
· Disability and random death benefits
In addition to medical coverage, the Universal Health Insurance scheme also provides compensation in case of disability or accidental death, providing financial security to the insured family.
· Already existing disease coverage
After a specific waiting time, the Universal Health Insurance scheme covers existing disease coverage, making it a great alternative for people with ongoing medical conditions.
· Government grants for BPL families
Families who fall below the Poverty Line (BPL) category receive state subsidies on insurance premiums to ensure that they get health insurance coverage without financial stress.
Coverage Under UHIS
The Universal Health Insurance Scheme provides extensive coverage for major expenses such as :
1. Hospitalisation expenses
· Room charges
· ICU charges
· Surgeon and doctor fees
· Operation theatre and diagnostic test costs
2. Pre and Post-Hospitalisation costs
· Medical expenses incurred before and after hospitalisation for a specific duration
· Follow-up treatments and medications
3. Maternity and childbirth coverage
· Pre and post-natal care
· Delivery costs (both normal and C-section)
· Coverage for newborns from birth
4. Coverage for critical illnesses
· Cancer treatments
· Kidney dialysis
· Heart surgeries
· Neurological disorders
5. Accidental death and disability benefits
· Compensation in case of accidental death
· Financial aid for permanent or partial disability
6. Ambulance and emergency services
· Coverage for ambulance charges incurred during emergencies
Benefits of the Universal Health Insurance Scheme
The Universal Health Coverage Scheme provides many advantages like:
· Financial security
Universal Health Insurance Scheme ensures that the cost of hospitalisation and other treatment expenses does not lead to a financial crisis, especially for lower-income families.
· Access to high-quality healthcare
With its huge network of hospitals, individuals covered under the Universal Health Coverage Scheme can avail of various high-quality medical treatments throughout India.
· Family coverage under single politics
The Universal Health Insurance Family Floater Plan provides coverage for all family members, reducing the requirement for getting multiple health insurance policies for each member.
· Cashless treatment facilities
Under the Universal Health Insurance Scheme, you can avail of cashless hospitalisation in various network hospitals which eliminates the need to arrange funds for emergencies.
· Support for serious illnesses and disabled
The UHIS insurance scheme provides financial assistance for expensive treatment such as dialysis, chemotherapy and larger surgery to support serious illnesses and disabilities.
· Government grants for BPL families
BPL families benefit from low premium costs prescribed by the Government of India, making health insurance coverage affordable as well as cheaper for financially weaker sections.
Final Thoughts
Universal Health Insurance Scheme is an important initiative aimed at providing cheap healthcare to the economically weaker parts of society. With its extensive coverage, low prices, cashless hospitalisation facility and special subsidies to BPL families, you can ensure that quality health care is available for everyone.
If you are looking for a reliable health insurance plan, consider the UHIS scheme from a reputable company such as Generali Central Insurance, which ensures financial security for you and your family. For more information on how to apply for UHIS, contact Future General Insurance or visit their official website.
Frequently Asked Questions (FAQS)
1. What is the Universal Health Insurance Scheme?
UHIS is a government health insurance scheme designed to provide affordable health coverage to individuals and families, especially from financially weaker sections.
2. What is Universal Health Insurance Scheme eligibility?
Indian citizens, especially those below the poverty line (BPL) families, self-employed and people who earn daily wages, can apply. The age limit is between 5 and 70 years.
3. What covers UHIS?
The UHIS scheme includes hospitalisation expenses, maternity benefits, existing diseases (after a certain waiting time), serious illnesses, disability and cashless treatment in-network hospitals.
4. How to apply for UHIS?
Qualified persons can submit the necessary documents by going to an authorised insurance provider, filling out the application form and paying the required insurance premium.
5. Does the Universal Health Insurance Scheme offer cashless hospitalisation?
Yes, policyholders can avail of cashless treatment at network hospitals, ensuring they receive timely medical care without upfront payments. This facility helps reduce the financial burden during emergencies.
