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Everything about Universal Health Plan in India

Team AckoSept 25, 2023

India, being one of the world's most populous countries, faces significant challenges in providing accessible and affordable healthcare to its citizens. The Universal Health Plan aims to ensure equitable healthcare services for all Indians, regardless of their socioeconomic status. In this article, we delve into the various aspects of the Universal Health Plan in India, exploring its scope, implementation, and potential impact on the nation's healthcare landscape.

Universal Health Plan in India



What is a Universal Health Plan?

The Universal Health Plan’s primary objective is to make quality healthcare accessible to all citizens, especially the marginalised and underprivileged sections of society. The plan envisages a comprehensive health coverage system that leaves no Indian behind in times of medical need. These plans are also referred to as government health insurance schemes.

Scope and benefits of Universal Health Plan

The UHPI aims to provide a wide range of health services, including preventive, promotive, curative, and rehabilitative care. Some of the key benefits of the Universal Health Plan include:

  • Inclusive Coverage: The plan will cover medical expenses for all essential health services, ensuring that no one is left without access to healthcare.

  • Financial Protection: UHPI seeks to eliminate the financial burden of medical treatments by offering cashless and affordable services.

  • Reduced Out-of-Pocket Expenditure: With the Universal Health Plan, citizens won't have to bear the entire cost of medical treatments, reducing their out-of-pocket expenses.

  • Focus on Preventive Care: The initiative emphasises preventive healthcare measures to promote overall well-being and reduce the burden of disease.

  • Quality Healthcare: By providing standardised medical services, the plan aims to maintain high-quality healthcare across the country.

Who should buy a Universal Health Insurance plan in India?

A universal health insurance plan is designed to provide coverage for a broad range of medical expenses, including hospitalisation, surgeries, treatments, and more. It is well-suited for various individuals and families, including:

  1. Young Professionals and Entrepreneurs: For young professionals and entrepreneurs who are just starting their careers or businesses, a universal health insurance plan can offer a safety net against unexpected health issues. It provides coverage for hospitalisation and other medical expenses, ensuring that they can focus on their careers without worrying about the financial burden of healthcare costs.

  2. Families with Children: Families with children often have higher healthcare expenses due to regular medical check-ups, vaccinations, and occasional illnesses. A universal health insurance plan can help parents manage these costs efficiently, ensuring the health and well-being of their children without straining their finances.

  3. Senior Citizens: Senior citizens may find it challenging to get health insurance coverage due to their age and pre-existing health conditions. However, a universal health insurance plan may still be available to them. It can provide the much-needed financial support for medical treatments and hospitalisation during their golden years.

  4. Self-Employed Individuals: As a self-employed individual, you are solely responsible for your healthcare expenses. A universal health insurance plan can be a wise investment, offering comprehensive coverage and reducing the financial burden of medical emergencies.

  5. Employees without Adequate Employer Coverage: While many employers offer health insurance benefits, the coverage may not always be sufficient. Employees who feel that their employer's health insurance plan lacks adequate coverage can consider supplementing it with a universal health insurance plan.

  6. Individuals with Pre-existing Conditions: People with pre-existing medical conditions might face difficulties in securing standard health insurance policies. In such cases, a universal health insurance plan may be a viable option, providing coverage for existing health issues along with future medical needs.

What is the claim process of Universal Health Insurance Plan?

Here is a step-by-step claim process for this type of health plan.

  1. Identifying Coverage Details: Once you have the policy documents, identify the specific coverage provided by your Universal Health Insurance plan. Understand the extent of coverage for hospitalisation expenses, pre and post-hospitalization care, and any other additional benefits.

  2. Contacting the Insurer: In case of any queries or clarifications regarding your Universal Health Insurance policy, promptly contact the insurer's customer support. Many insurers offer multiple channels of communication, such as toll-free helplines, email, or online chat support.

  3. Filing a Claim: When you or a covered family member incurs medical expenses, you must initiate the claim process. Filing a claim is the first step towards receiving reimbursement for the medical bills. Maintain accurate records of all medical expenses incurred. This includes hospital bills, pharmacy receipts, diagnostic test reports, and any other relevant documents.

  4. Assessment and Verification: After receiving your claim, the insurer will assess the details provided and verify the authenticity of the documents submitted. This is a standard procedure to ensure legitimate claims and deter fraudulent activities.

  5. Review Process: During the review process, the insurer's team evaluates the medical documents to confirm if the expenses are covered under the policy. They also check if the medical condition aligns with the policy's terms.

  6. Investigation (if necessary): In some cases, insurers may conduct an investigation, especially if the claim involves significant expenses or seems suspicious. This investigation may include contacting the medical facility or the policy

  7. Processing Time: The time taken for claim approval and reimbursement can vary among insurers. However, most reputable insurers strive to process claims within a reasonable timeframe to provide timely financial assistance.

Frequently Asked Questions (FAQs)

Here are some common questions about Universal Health Plans in India.


How will the Universal Health Plan impact private healthcare providers?

The Universal Health Plan seeks to collaborate with private healthcare providers to extend its reach and ensure quality healthcare services for all citizens. Private providers will play a significant role in delivering medical care under this initiative.

How can the Universal Health Plan address regional disparities in healthcare services?

Addressing regional disparities requires a focused approach on equitable distribution of healthcare resources and infrastructure development in underprivileged areas.

Is the Universal Health Plan sustainable in the long run?

The sustainability of the Universal Health Plan relies on effective resource allocation, public-private partnerships, and continuous monitoring and evaluation to ensure its long-term success.

How can citizens avail benefits under the Universal Health Plan?

The government is likely to establish a streamlined process for citizens to enrol and access benefits under the Universal Health Plan. Details on registration and utilisation of services will be provided by the authorities.

Will the Universal Health Plan cover pre-existing medical conditions?

The plan's specifics regarding coverage for pre-existing conditions are yet to be revealed. However, it aims to provide comprehensive coverage for essential healthcare needs.

Will the Universal Health Plan reduce the burden of out-of-pocket healthcare expenses? 

Yes, the Universal Health Plan aims to reduce the financial burden on citizens by offering cashless and affordable healthcare services, thus reducing out-of-pocket expenditure.

Can citizens choose their preferred healthcare providers under the Universal Health Plan?

The details of the provider selection process are yet to be disclosed. However, efforts will likely be made to ensure citizens have options for healthcare services under the plan.

What role will technology play in the implementation of the Universal Health Plan?

Technology will play a significant role in the plan's implementation by streamlining patient records, facilitating coordination among healthcare providers, and enhancing overall efficiency.

Will the Universal Health Plan cover specialised medical treatments and surgeries?

The specifics of coverage for specialised treatments are yet to be disclosed. However, the plan aims to provide comprehensive medical services, which may include specialised treatments.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.


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