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Old March 8th, 2016, 06:22 PM
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Join Date: Nov 2011
Default Re: Universal Health Insurance

I will get the information about the Universal Health Insurance Scheme for APL families facility offer by New India Assurance ltd so that you can have idea about it.

Features of the policy
The Group Universal Health Insurance Policy will be available to groups consisting of more than 100 families.

Each Insured should cover all eligible members (insured persons) under one group policy only.

In other words different categories of eligible members shall not be allowed to be covered under different group policies. It is not permissible to issue any unnamed group policy.

The Group Policy will be issued in the name of the Group/Association/Institution (called insured) with a schedule of names of the members including his/her eligible family members (called Insured persons) forming part of the policy.

The Policy covers reimbursement of Hospitalisation expenses for illness/diseases contracted or injury sustained by the Insured Person.

In the event of any claim becoming admissible under policy, the company through TPA will pay to the Hospital/ Nursing Home or Insured Person the amount of such expenses.

Hospital benefits
Hospitalisation Benefits
A.Room, Boarding expenses as provided by the Hospital/Nursing Home
If admitted in IC Unit

Upto to 0.5% of Sum Insured per day
Upto 1% of Sum Insured per day

B. Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees, Nursing Expenses
Upto Rs.15% of Sum Insured per illness/ Injury

Anesthesia, Blood, Oxygen, OT charges, Surgical appliances, Medicines, drugs, Diagnostic material & X-Ray, Dialysis, Chemotherapy, Radiotherapy, cost of pacemaker, artificial limbs.
Upto 15% of Sum Insured per illness/Injury

Criteria for this policy

It should have at least 15 inpatient beds. In Class "C" town having population of less than five lakhs the number of beds be reduced to 10.

Fully equipped Operation Theatre of its own wherever surgical operations are carried out.

Fully qualified nursing staff under its employment round the clock.

Fully qualified doctor(s) should be in charge round the clock.

New India Assurance ltd
87, M.G. Road, Fort, Mumbai 400 001.

Answered By StudyChaCha Member
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