Page 172 - IC38 GENERAL INSURANCE

children

 Premium qualifies for tax benefit under Section 80D of the Income Tax Act.

 Service tax is not applicable to the policy.

2. Universal Health Insurance Scheme (UHIS)

This policy is available to groups of 100 or more families. In recent times even
individual UHIS Policies were made available to the public.

Benefits
Following is the list of benefits of universal health insurance scheme:

 Medical reimbursement

The policy provides reimbursement of hospitalization expenses up to
Rs.30,000 to an individual / family subject to the following sub limits.

Table 2.2

Particulars Limit
Up to Rs.150/- per day
Room, boarding expenses Up to Rs.300/- per day
Up to Rs.4,500/- per illness/
If admitted in ICU injury
Up to Rs.4,500/- per illness/
Surgeon, Anaesthetist, Consultant, Specialists injury
fees, Nursing expenses
Up to Rs. 15,000/-
Anaesthesia, Blood, Oxygen, OT charges,
Medicines, Diagnostic material and X-Ray,
Dialysis, Radiotherapy,
Chemotherapy, Cost of pacemaker, Artificial
limb, etc.

Total expenses incurred for any one illness

 Personal accident cover

Coverage for death of the earning head of the family (as named in the
schedule) due to accident: Rs.25,000/-.

 Disability cover
If the earning head of the family is hospitalised due to an accident / illness
compensation of Rs. 50/- per day will be paid per day of hospitalisation up to
a maximum of 15 days after a waiting period of three days.

 Premium

Table 2.3

Entity Premium
Rs.365/- per annum
For an individual Rs.548/- per annum

For a family up to five 166
(including the first three children)