10 Government Health Insurance Schemes in India

What is a Government Health Insurance Scheme, and how does it work? It is a system run by the central or state governments that aims to provide appropriate health coverage at a minimal cost. These types of insurance coverage are often available on a yearly basis. Types of Government-sponsored Health-Care Plans: 1. Ayushman Bharat Yojana: Ayushman Bharat is a universal health insurance scheme run by India's Ministry of Health and Family Welfare. PMJAY was established to give free healthcare to more than 40% of the country's population. The plan includes a Rs 5 lakh health cover. Medicines, diagnostic charges, medical care, and pre-hospitalization costs are all covered under this plan. This healthcare initiative will aid India's poorest families. 2. Pradhan Mantri Suraksha Bima Yojana: The Pradhan Mantri Suraksha Bima Yojana intends to offer citizens in India with accident insurance coverage. This scheme is available to those between the ages of 18 and 70 who have a bank account. This policy offers a total disability and death benefit of Rs 2 lakh per year, as well as a partial disability benefit of Rs 1 lakh. The policy premium is deducted from the policyholder's bank account automatically. 3. Aam Aadmi Bima Yojana (AABY): The Aam Aadmi Bima Yojana (AABY) is a scheme that aims to This is one of the most recent National Health Insurance programmes, having been launched in October of 2007. It primarily applies to those between the ages of 18 and 59. All citizens living in the upcountry and rural areas are eligible for the AABY insurance system. It also includes tenants who are landless and live in both urban and rural locations. It also entails providing scholarships to youngsters from low-income families. Essentially, this programme protects the family's head of household or the earning member. The state and the national governments split the annual reward of 200 rupees evenly. The family gets paid with 30000 rupees in the event of a natural death. The family gets reimbursed at 75,000 rupees if the death is caused by a lifelong impairment. 4. The Central Government Health Scheme (CGHS): This scheme is a government-run health-care programme. This system, which was established in 1954, provides comprehensive health care to central government officials and retirees living in cities. Kolkata, Mumbai, Lucknow, Delphi, Nagpur, and Pune are among the cities where this scheme is in operation. The persons who are covered by this scheme must live in India. This is a National Health Company Online Renewal programme that provides beneficiaries with the benefit of health education. The following are the main components of this scheme: All dispensary services, including domiciliary care, are available. Furthermore, members of this programme have the option of being hospitalised whenever they become ill. On the other hand, if you need an X-ray or a laboratory examination, you will be able to get these for free under this plan. The most significant benefit of this National Health Insurance programme is that it gives free specialist consultations at both hospital and dispensary levels. 5. Janshree Bima Yojana: The Janshree Bima Yojana is for poor people between the ages of 18 and 59. Women SHG Groups and Shiksha Sahyog Yojana are two unique characteristics of the scheme. There are 45 occupational groups covered by this scheme at the moment. 6. Chief Minister's Comprehensive Insurance Scheme: The Chief Minister's Comprehensive Insurance Scheme is a state government of Tamil Nadu initiative. United India Insurance Company Ltd partnered with the company to launch it. It is a family floater policy that was created to assist consumers with high-quality health-care services. This plan covers over a thousand different medical procedures. You can claim up to Rs 5 lakh in hospitalisation charges under this coverage. This system allows the beneficiary to choose between private and government hospitals. Residents of Tamil Nadu who earn less than Rs 75000 per year are eligible to participate in this scheme. 7. West Bengal Health Scheme: In 2008, the West Bengal government introduced this scheme for its employees. The service is also available to retirees. Up to a total insured of Rs 1 lakh, this coverage is available on an individual and family floater basis. According to the policy terms and conditions, the policy covers OPD treatment and medical operations. 8. Yeshasvini Health Insurance Scheme: The Yeshasvini Health Insurance Scheme is promoted by the Karnataka State Government. This programme is beneficial to peasants and farmers who are members of a co-operative group. This health-insurance plan covers approximately 800 medical treatments, including neurology, orthopaedics, and angioplasty, among others. Farmers are assisted in enrolling in the Yeshasvini Health Insurance Scheme via cooperative associations. Health care services are available to beneficiaries through network hospitals, and coverage benefits are extended to beneficiaries' family members. 9.Mahatma Jyotiba Phule Jan Arogya Yojana: This health insurance coverage was developed by the Maharashtra government for the benefit of the people of the state. The plan is aimed at farmers in Maharashtra and will benefit those living below the poverty line. For specified ailments, the policy provides a family health cover of up to Rs 1.5 lakh. The best aspect about this policy is that it has no waiting period and can be claimed on the first day of coverage, unless otherwise stated in the policy terms. 10.Telangana State Government Employees and Journalists Health Scheme: This scheme was introduced by the Telangana government for its journalists and employees. Employed people, retirees, and pensioners all benefit from it. The participant of this scheme can receive cashless treatment at any of the participating hospitals. Beneficiaries are not required to rush to secure funds for unexpected medical bills. Features and Advantages of Government-sponsored Health-Care Plans: Low-cost government health insurance plans are available. BPL families can also benefit from this policy's insurance benefits. The policy ensures that the impoverished are covered. For better healthcare, the policy involves treatment in both private and government hospitals.

10 Government Health Insurance Schemes in India