17 Different Types of Government Health Insurance Schemes Available in India

The Governments round the globe are working hard towards offering the good quality of health care benefits to the citizens. The authorities take actions for the welfare of the people on a  regular interval. It includes awareness about medical issues, ensuring adequate infrastructure, and promoting insurance facilities. Such measures also are taken by the Indian Government from time-to-time.

What is a Government Health Insurance Scheme?

It is a Central or authorities powered scheme that’s designed to supply adequate health cover at a low-priced insurance cover. Such insurance policies are usually offered on a yearly basis.

Types of Government Health Insurance Scheme

Read ahead to grasp more about the several insurance schemes by the govt of India:

1. Ayushman Bharat Yojana

Ayushman Bharat may be a universal insurance scheme of the Ministry of Health and Family Welfare, Government of India. PMJAY was launched to produce free health Insurance services to over 40% population of the country. This scheme provides a health care coverage of Rs 5 Lakh. This scheme, also expenses related to medicines, diagnosis, medical treatment, and pre-hospitalization costs as well. The poorest families of India can take pleasure in this healthcare scheme.

2. Pradhan Mantri Suraksha Bima Yojana

Pradhan Mantri Suraksha Bima Yojana aims to supply accident insurance cover to the people of India. People within the people of 18 years to 70 years who have an account in a very bank can avail enjoy this scheme. This policy offers an annual coverage of Rs 2 lakh for the person who is totally disable and/or dead over and Rs 1 lakh for the partial disable people. The policy premium gets automatically debited from the policyholder’s checking account.

3. Aam Aadmi Bima Yojana (AABY)

This is one in all the most recent National insurance schemes having been established within the year 2007, October. It generally provides coverage for the individuals from the age of 18 years-59 years. AABY insurance scheme is customized for all those citizens living within the upcountry and within the rural areas. It also provides coverage for the landless citizens who are tenants living both in urban and rural areas. It also includes providing scholarships to all the underprivileged children. Basically, the pinnacle of the family or the earning member is that the one protected by this scheme. The premium of 200 rupees every year is shared equally by the state and therefore the central government. In case of a natural death, the family is given the compensation amount of Rs. 30000. However, after the death which is caused due a permanent disability, the family is compensated with Rs.75,000.

4. Central Government Health Scheme (CGHS)

This scheme was started within the year 1954 and provides comprehensive health care facilities for central governing body and pensioners residing in cities. Operations of this scheme happen in cities like Kolkata, Mumbai, Lucknow, Delhi, Nagpur, and Pune. The individuals covered by this scheme are needed to be residing in India only. this is often a National Health Company Online Renewal program that features the privilege of health education to the beneficiaries. This scheme has the subsequent main components: All dispensary related services including domiciliary care. additionally, the beneficiaries of this scheme have the privilege of being hospitalized each and each time they fall ill. On the opposite hand, whenever you’ve got an X-ray or laboratory examination requirements, they’d be provided free under this particular scheme. The foremost important advantage of this National insurance scheme is that it provides free specialists consultations both at hospital level and dispensaries.

5. Employment State Insurance Scheme

This is a multidimensional National insurance scheme thanks to the very fact that it provides social insurance moreover as socio-economic protection to any or all workers in India. additionally, it provides the identical privileges those that rely upon workers protected under this scheme. This insurance scheme commences upon the primary day of insurable employment to every and each worker. They’re given full treatment insurance for themselves and their families similarly. On the opposite hand, those covered under this scheme (which is essentially workers) also are entitled to a large range of money benefits. They include profit times of physical distress like sickness or maybe when one might become disabled may it’s temporal or permanent. In addition, for any woman who would lose the capacity to earn or dependents of persons injured during occupational accidents, they’re entitled to a monthly pension commonly spoken as dependents benefits. This scheme isn’t applicable to every and each person or company. It’s only applicable to all or any permanent factories employing quite ten employees. Recently, the scheme has been extended to varied businesses including shops, restaurants, road and motor transports and newspaper entities that employ over 20 people.

6. Janshree Bima Yojana

Janshree Bima Yojana is intended for people within the poor category who are within the age bracket of 18-59 years. The scheme includes some special features such as Women SHG Groups and Shiksha Sahyog Yojana. At the present time there are 45 occupational groups under this scheme.

7. Chief Minister’s Comprehensive Insurance Scheme

Chief Minister’s Comprehensive Insurance Scheme may be a Madras government scheme. It had been launched in association with the United India insurance underwriter Ltd. It’s a family floater policy that was designed to supply quality health care services to people. This scheme covers quite k medical procedures. In this policy, you’ll claim for hospitalization expenses up to Rs 5 lakh. The beneficiary can opt either from the private or/and the government hospitals under this scheme. Province residents with an annual income of lesser than Rs 75000 p.a. are eligible to enroll under this scheme.

8. Universal Health Insurance Scheme (UHIS)

This type of scheme was implemented to assist the families who live below the poverty level. It covers the medical expenses of every and each member of the family. Just in case of death because of an accident, there’s a canopy that’s provided. The main drivers of the Universal insurance Scheme are basically the four public sector general insurance companies who are doing this with an aim of improving healthcare to the underprivileged and particularly the economically disabled citizen in India. Once a loved one is hospitalized, this scheme may facilitate the medical expenses of up to 30,000 rupees. However, when the earning head of the family is admitted to the hospital, the Universal insurance scheme compensates a complete of fifty rupees daily for a maximum of 15 days. We can therefore say that this insurance scheme is intended for families below the personal income.

9. West Bengal Health Scheme

The Government of state launched this scheme for its employees within the year 2008. It’s also available for the pensioners. This scheme provides protection on the basis of  both the individual and the family floater that too up to a sum insured of Rs 1 lakh. The policy covers OPD treatment costs and medical surgeries as per the policy terms and conditions.

10. Yeshasvini Health Insurance Scheme

The Karnataka regime promotes the Yeshasvini insurance Scheme. This scheme is beneficial for peasants and farmers and who are related to a co-operative society. This insurance scheme covers quite 800 medical procedures like Neurology, Orthopaedic, Angioplasty, etc. Co-operative societies help the farmers to induce enrolled within the Yeshasvini insurance Scheme. The beneficiaries can avail of health care services through network hospitals, and coverage benefits are extendible to the beneficiary’s members of the family.

11. Mahatma Jyotiba Phule Jan Arogya Yojana

The Government of Maharashtra introduced this insurance policy for the good thing about people within the state around. The scheme goes to be helpful for below the personal income and was targeted at the farmers in Maharashtra. The policy serves a family health coverage of up to Rs 1.5 lakh for specified illnesses. The simplest part about this policy is that there’s no waiting period, and it’s claimable after the primary day itself, unless it’s specifically mentioned within the policy terms.

12. Mukhyamantri Amrutam Yojana

Mukhyamantri Amrutam Yojana was initiated by the Gujarat government within the year 2012 for the advantage of the poor people living in Gujarat. Those that are within the lower middle-income group and below the personal income are eligible to enroll under the scheme. It is family floater insurance policy that gives coverage up to Rs 3 lakh per family. The policyholder can avail of medical treatment from private and government hospitals, moreover as trust-run hospitals.

13. Karunya Health Scheme

In 2012, the Kerala Karunya health Scheme Government had launched this scheme to produce health protect listed chronic illnesses. It’s a Critical Illness plan for the poor and covers major diseases like Kidney, Cancer, cardiovascular illnesses, etc.

People who are below the personal income can enroll themselves during this scheme. The beneficiary has to provide a duplicate of the Income Certificate and Aadhaar Card for the identical.

14. Telangana State Government Employees and the Journalists Health Scheme

The Telangana Government has launched this scheme for their journalists and employees. It’s beneficial for the employed, retired, and pensioners. During this scheme, the beneficiary can avail of cashless treatment within the hospitals that are registered. The beneficiaries don’t need to rush to rearrange funds for emergency medical expenses.

15. Dr YSR Aarogyasri Health Care Trust

Four health welfare schemes were launched by the province Government together with the Dr YSR Aarogyasri Trust. These schemes offers some major medical coverage for the different individuals and help them at the time of a medical emergency. The schemes are given below:

1. Dr YSR Aarogyasri scheme is designed for the welfare of the poor.

2. Arogya Raksha scheme is for Above the personal income (APL).

3. Working Journalist Health Scheme that has cashless treatment protect specified procedures.

4. Employee Health Scheme provides health cover to the regime employees.

16 Bhamashah Swasthya Bima Yojana

Rajasthan Government supports the insurance initiatives towards its citizens under the Bahmashah Swasthya Bima Yojana. This can be a cashless claims scheme for rural people of Rajasthan. There’s no prescribed regulation for availing the advantages of this scheme. People who are a component of the National Food Security Act (NFSA) and also the Rashtriya Swasthya Bima Yojana (RSBY) also are qualified for this insurance. This scheme covers hospitalization expenses for general illness similarly as critical illnesses as per the terms and conditions. It covers both in-patient furthermore as out-patient expenses.

17. Rashtriya Swasthya Bima Yojana

This scheme is directed towards people working within the unorganized sector. Often, they’re not covered under any insurance. And in such a situation, if the individual falls ill very  frequently, then, their savings will get exhausted too soon. Thus, they’re never able to ensure they need savings within the bank. this can be where insurance can prove helpful to them. Rashtriya Swasthya Bima Yojana was initiated by the Indian Government’s Ministry and department of Labour and Employment. Individuals workers within the unorganized sector and below the poverty level are covered under this scheme. The duvet also extends to their family (maximum of 5 members).

Features and Benefits of the Government Health Insurance Schemes Provided in India

The features and benefits of presidency insurance schemes are given below:

1. Government insurance schemes are offered at a coffee price.

2. With this policy, BPL families may also avail of insurance benefits.

3. The policy ensures coverage for the poor people.

4. The policy includes treatment in both private and government hospitals for better healthcare.

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