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Universal Health Insurance Scheme for APL families

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Salient Features of the Policy

1.1 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.

1.2 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.

1.3 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 subject to limits as would fall under different heads mentioned below, as are reasonably and necessarily incurred in respect thereof anywhere in India by or on behalf of such Insured Person but not exceeding Sum Insured (all claims in aggregate) for that person as stated in the Schedule in any one period of insurance.

Section - I: Hospitalisation Expenses

Hospitalisation Benefits Limits
  1. Room, Boarding expenses as provided by the Hospital/Nursing Home
  2. If admitted in IC Unit
  1. Upto to 0.5% of Sum Insured per day
  2. 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


  1. Total expenses incurred for any one illness is limited to Rs.15,000/-.
  2. Company's liability in respect of all claims admitted during the period of Insurance shall not exceed the Sum Insured of Rs.30000/- per person or family as mentioned in the Schedule.


2.1 Hospital/Nursing Home means any institution in India established for indoor care and treatment of disease and injuries and which either;

Has been registered either as a hospital or Nursing Home with the local authorities and is under the supervision of a registered and qualified medical practitioner


Hospital/ Nursing Home run by Government.


Should comply with minimum criteria as under:

  1. 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.
  2. Fully equipped Operation Theatre of its own wherever surgical operations are carried out.
  3. Fully qualified nursing staff under its employment round the clock.
  4. Fully qualified doctor(s) should be in charge round the clock.

2.1.1 The term, 'Hospital/Nursing Home', shall not include an establishment which is a place of rest, a place for the aged, a place for drug addiction or place of alcoholics, a hotel or a similar place.

2.2 Surgical Operation means manual and/or operative procedures for correction of deformities and defects, repair of injuries, diagnosis and cure of diseases, relief of suffering and prolongation of life.

2.3 Expenses of Hospitalisation for minimum period of 24 hours are admissible. However this time limit is not applied to specific treatments i.e. Dialysis, Chemotherapy, Radiotherapy, Eye Surgery, Lithotripsy (Kidney Stone removal), D & C, Tonsillectomy taken in the Hospital/Nursing Home and the Insured is discharged on the same day. The treatment will be considered under Hospitalisation Benefit. This condition will also not apply in case of stay in Hospital of less than 24 hours provided,

  1. The treatment is such that it necessitates hospitalization and the procedure involves specialized infrastructural facilities available in hospitals.
  2. Due to technological advances hospitalization is required for less than 24 hours only.

3.0 Any One Illness will be deemed to mean continuous period of illness and it includes relapse within 60 days from the date of last consultation with the Hospital/Nursing Home where treatment may have been taken. Occurrence of same illness after a lapse of 60 days as stated above will be considered as fresh illness for the purpose of this policy.

3.3 Medical Practitioner means a person who holds a degree/diploma from a recognised institution and is registered by the Medical Council of India or the respective State Councils. The term Medical Practitioner would include Physician, Specialist and Surgeon.

3.4 Qualified Nurse means a person who holds a certificate of a recognised Nursing Council and who is employed on the recommendations of the attending Medical Practitioner.

3.5 TPA means a Third Party Administrator who is licensed by the Insurance Regulatory and Development Authority, and is engaged, for a fee or remuneration, by whatever name called as may be specified in the agreement with the company, for the provision of health services.


The Company shall not be liable to make any payment under this Policy in respect of any expenses whatsoever incurred by any Insured Person in connection with or in respect of :

4.1 All diseases/injuries which are pre existing when the cover incepts for the first time. For the purpose of applying this condition, the date of inception of the initial Mediclaim policy taken from any of the Indian insurance companies shall be taken, provided the renewals have been continuous and without any break.

4.2 Any disease other than those stated in Clause 4.3, contracted by the Insured Person during the first 30 days from the commencement date of the policy. This condition 4.2 shall not however, apply in case of the Insured person having been covered under this scheme or Group Insurance Scheme with any of the Indian Insurance companies for a continuous period of preceding 12 months without any break.

Note : These exclusions 4.1 and 4.2 shall not however apply if,

  1. In the opinion of Panel of Medical Practitioners constituted by the Company for the purpose, the Insured Person could not have known of the existence of the Disease or any symptoms or complaints thereof at the time of making the proposal for insurance to the Company, AND
  2. Insured had not taken any consultation, treatment or medication in respect of hospitalization for which claim has been lodged under the policy prior to taking the insurance.

4.3 During the first year of the operation of the policy the expenses incurred on treatment of diseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal Disease, Fistula in anus, Piles, Sinusitis and related disorders are not payable. If these diseases (other than Congenital Internal Diseases/ Defects) are pre-existing at the time of proposal they will not be covered even during subsequent period of renewal. If the Insured is aware of the existing of Congenital Internal Disease/Defect before inception of the policy, the same will be treated as pre-existing.

4.4 Injury or disease directly or indirectly caused by or arising from or attributable to War Invasion Act or Foreign Enemy Warlike operations (whether war be declared or not).

4.5 Circumcision unless necessary for treatment or a disease not excluded hereunder or as may be necessitated due to an accident, vaccination or inoculation or change of life or cosmetic or aesthetic treatment of any description, plastic surgery other than as may be necessitated due to as accident or as part of any illness.

4.6 The cost of spectacles, contact lenses and hearing aids.

4.7 Any Dental treatment or surgery which is a corrective, cosmetic or aesthetic procedure, including wear and tear, unless arising from disease or injury and which requires hospitalization for treatment.

4.8 Convalescence general debility 'Run Down' condition or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self-injury and use of intoxicating drugs / alcohol.

4.9 All expenses arising out of any condition directly or indirectly caused to or associated with Human T-Cell Lymphotrophic Virus Type III (HTLB-III) or Lymphadinopathy associated Virus (LAV) or the Mutants Derivative or variations Deficiency Syndrome or any Syndrome or condition or a similar kind commonly referred to as AIDS.

4.10 Charges incurred at Hospital or Nursing Home primarily for diagnostic, X-Ray or laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of the positive existence of presence of any ailment, sickness or injury for which confinement is required at a Hospital/Nursing Home.

4.11 Expenses on vitamins and tonics unless forming part of treatment for injury or disease as certified by the attending physician.

4.11.1 Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials.

4.12 Treatment arising from or traceable to pregnancy, childbirth, miscarriage, abortion or complications of any of these including caesarean section.

4.13 Naturopathy treatment

Section - II : Coverage for Earning Head of the family as declared in the Schedule

If the Earning Head of the family shall sustain any bodily injury resulting solely and directly from accident caused by outward, violent and visible means, and if such injury shall within six calendar months of its occurrence lead to death then the Company shall pay to the Insured a sum of Rs.25,000/-.

Section - III: Disability Compensation for Earning Head of the Family.

Disability compensation at the rate of Rs. 50/- per day up to maximum of period of 15 days in a policy year with a time excess of 3 days is payable if the Earning Head of the family is hospitalized due to accident/diseases/illness for which there is a valid claim admitted under Section I of the Policy.

Exclusions Under Section II :

4.14 Payment or compensation in respect of death directly or indirectly arising out of or contributed to by or traceable to any disability already existing on the date of commencement of this policy.

4.15 Death arising directly or indirectly from or traceable to :

  1. Intentional self injury, suicide or attempted suicide
  2. Pregnancy or any complication in consequence thereof
  3. Whilst engaging in aviation or Ballooning, whilst mounting into dismounting, from or traveling in any Balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world or engaging in hazardous sports of any kind whatsoever.
  4. Whilst under the influence of intoxication, liquor or drugs
  5. Directly or indirectly caused by venereal diseases or insanity
  6. Arising or resulting from the insured committing any breach of law with criminal intent.
  7. War and war like perils, nuclear perils, radioactivity etc.

Age Limit

This insurance is available to persons between the age of 3 months to 65 years Children between the age of 3 months and 5 years of age can be covered provided one or both parents are covered concurrently.

Notice of Claim

Preliminary notice of claim with particulars relating to policy numbers, Name of Insured Person in respect of whom claim is mdae, nature of illness/Injury and Name and Address of the attending Medical Practitioner/hospital/Nursing Home should be given by the insured person to the TPA immediately and in case of emergency hospitalsiation within 24 hours from the date of Hospitalisation.

In case of notice received beyond 24 hours from the time of hospitalization etc., the matter may be referred to the insurer for considering waiver of the condition, wherever felt appropriate.

Final Claim along with receipted Bills/Cash Memos, claim form and list of documents as listed in the claim form etc.,.. should be submitted to the TPA within 7 days from the date of completion of treatment.

Note : Waiver of the Condition may be considered in extreme cases of hardship where it is proved to the satisfaction of the Company that under the circumstances in which the insurer was placed it was not possible for him or any other person to give such notice or file claim within the prescribed time limt.

Payment of Claim

All claims under this policy shall be payable in Indian currency. All medical treatments for the purpose of this insurance will have to be taken in India only.

Sum Insured

Section - I

Hospitalisation Benefit Rs.30,000 per family.

Section - II

Accident death of Earning Head of the family Rs.25,000/-

Section - III

Disability Compensation payable due to hospitalization of Earning Head of the family @ Rs.50/- per day up to maximum of period of 15 days in a policy year with a time excess of 3 days.

Payment of Premium

  1. Individual Person Rs.365/- per annum
  2. Family (not exceeding five members) consisting of Insured,Spouse and first 3 dependant children Rs.548/- per annum.
  3. Family not exceeding 7 members consisting of Insured, Spouse, first 3 dependant children and dependant parents Rs.730/- per annum.

Note : No Refund of premium will be allowed for deletion of Insured Person in the event of Insured Person having made/recovered a claim under the Policy.

The Policy may be renewed be mutual consent. The Company shall not however be bound to give notice that it is due for renewal and the Company may at any time cancel this policy by sending the Insured 30 (thirty) days notice by Registered Letter at Insured's last known address and in such event the Company shall refund to the Insured a prorata premium for unexpired period of Insurance The Company shall however, remain liable for any claim which arise prior to the date of cancellation The Insured may at any time cancel this policy and in such event the Company shall allow refund of premium at Company's Short period rate only (table given here below) provided no claim has occurred up to the date of cancellation.

Period of risk Rate of premium to be charged
Up to 1 month 1/4 of the annual rate
Up to 3 months 1/2 of the annual rate
Up to 6 months 3/4 of the annual rate
Exceeding 6 months Full annual rate

Claims Minimisation Clause

The Insured will at all times cooperate with a TPA / Company to contain claims ratio by ensuring that the treatment charges and other expenses are reasonable and necessary and will be subject to further sub-limits as may be required.

Premium Adjustment Clause

If the Claim ratio exceeds 80% of the premium paid the renewal rate will be adjusted so as to ensure that the claims ratio remains within 80% of the premium paid. For arriving at the claims ratio, the first ten months will be taken into consideration and an average for the whole year will be taken and premium charged provisionally. The final adjustment if any, will be made at the end of 60 days in the new policy period after full incurred claims figures are available. In subsequent years the claim ratio will be taken on the average of 2 or 3 years as the case may be.

Bpl Family

In case any family is identified as BPL family, a certificate as proof thereof issued by an official not below the rank of B.D.O./ Tehsildar of Revenue Dept. of the concerned State Government has to be attached.

The prospectus shall form part of your proposal form hence please sign as you have noted the contents of this prospectus.



Place & Date:

Information Furnished in Compliance to CIC Order in Case No. CIC/AT/A/2009/000268 Dated 11.06.2009 (New / Revised) (100 KB) PDF File Opens in a new window

Note: Policy details given are indicative, not exhaustive. Please contact your nearest NIA office for further details.

List of Hospitals (PPN) for Cashless facility through TPA.

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