Articles 1708 views January 11, 2020

Universal Health Insurance Scheme (UHIS): Benefits, Features and Coverage

Universal Health Insurance Scheme (UHIS) is a government scheme aimed towards providing health insurance coverage for the poor and backward classes of the country. It has several unique features including general health insurance, maternity insurance, death benefits and so on. Take a look at this article to know more about the UHIS and why it is needed in a country like India.

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Features of the Universal Health Insurance Scheme (UHIS)

Here are the main features of the Universal Health Insurance Scheme (UHIS):

1. Health cover

All expenses related to health care are covered under the UHIS. the insured gets reimbursement for the medical bills. The covers include in-patient care, doctors’ consultation fees, surgery expenses, diagnostic tests such as scans and X-rays, procedures such as dialysis and chemotherapy, hire of medical appliances such as oxygen cylinders, etc. Therefore, the medical coverage in the UHIS is wholesome and very comprehensive, to say the least.

2. Maternity cover

There is a very handy maternity cover included in the UHIS. A maternity benefit of Rs 2,500 is available for normal deliveries and Rs 5,000 for C-Sections. The cover is available only for one child and the insured is expected to wait out a period of 1 year before making a claim for this benefit under the Universal Health Insurance Scheme (UHIS).

3. Personal accident cover

There is a very useful personal accident cover available under this health insurance scheme. If the primary breadwinner of the family is killed in an accident, the family members will receive a sum of Rs 25,000. This sum can be used by the family to pay bills, set up a small business, etc after the breadwinner dies and the source of income gets cut off. If the death happens in a road accident or in a violent incident, or due to injuries stemming out of these, the death benefit will be offered to the family.

4. Disability cover

If the primary insured of the family is left disabled and unable to earn an income anymore, the family will receive financial compensation. The sum can be used to take care of the financial needs of the family for the period when the breadwinner’s income stops coming in. A sum of Rs 50 is paid for each day the person spends in hospital, up to a maximum of 15 days as per the guidelines of the scheme.

5. Coverage for individual and family

A very praiseworthy feature of this scheme is that it offers health covers for an individual as well as a family. The floater feature of the UHIS ensures greater penetration of health insurance. Any individual or family member aged between five years and 70 years can be eligible for this scheme.

Keeping these features in mind, it can safely be said that the Universal Health Insurance Scheme (UHIS) is a very good health scheme for the poor people of India.

Benefits of the Universal Health Insurance Scheme (UHIS)

Listed below are the main benefits of the UHIS:

1. Health cover at a nominal rate

The prime objective of any government health scheme is to ensure maximum coverage and the deepest penetration of the scheme features. Keeping this in mind, the government offers the Universal Health Insurance Scheme (UHIS) at a very nominal cost. The premium is so low that practically everyone can afford to get it. An individual only needs to pay a sum of Rs 100 for a health insurance cover of Rs 30,000. This proves to be a good cover at a very low rate.

2. Maternity benefit

The maternity benefit is a unique and very commendable feature of the Universal Health Insurance Scheme (UHIS). Sadly, many women and their newborn babies die in India due to the lack of proper health care. With the maternity cover in place, women can get proper medical assistance when having a baby. This leads to safer and better maternity care in the country.

3. Life cover

If the primary insured dies in an accident, his family receives a death benefit of Rs 25,000. This is a very good benefit available to poor people who often rely on a single income to run the entire family. The death of the breadwinner and the subsequent loss of income proves to be very dangerous. At such a time, the death benefit helps immensely.

These points are very valuable and bring many benefits to the people who take advantage of this excellent and well-designed health insurance scheme.

The final word

In a country like India where poverty is so widespread, it helps to have schemes such as the UHIS. the Universal Health Insurance Scheme (UHIS) has effectively brought health insurance within the reach of many people who otherwise would struggle to get the coverage. The documentation and enrollment processes are simple, making it even easier for everyone to have health insurance.

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