Government Health Insurance Schemes in India

Every government owes it to its citizens to make healthcare economical and convenient to everyone who needs it. To make this feasible, governments introduce a variety of health insurance schemes, allowing the general public to access these services when they are most needed.

A Government Health Insurance Scheme (GHIS) is a health insurance programme run by the national government for its inhabitants. Its goal is to improve the region's healthcare status by providing low-cost insurance plans with a substantial sum insured.

Let us discuss some of the most significant programmes, which have enabled millions of citizens to afford high-quality medical treatments and operations when they are required.

Pradhan Mantri Jan Arogya Yojana under Ayushman Bharat

PM-JAY is a specialised health insurance coverage offered to all economically disadvantaged Indian people under which medical insurance coverage of up to Rs.5 lakh per year may be obtained by paying annual charges of Rs.30.

In addition to medical coverage, the plan has resulted in the development of about 1.5 lakh Health and Wellness Centres across the country.

Aam Aadmi Bima Yojana

The Aam Aadmi Bima Yojana, or AABY, is another cost-effective health insurance programme.

By paying a Rs.200 yearly payment, policyholders can get up to Rs.30000 in coverage from such a plan. However, it is only available to those who work in certain professions.

The programme supports 48 distinct occupations, the majority of which are linked to waving, fishing, carpentry and other similar activities.In addition to having one of the occupations be your career, the candidate must also be the breadwinner of the household.

Central Government Health Scheme

This insurance plan is solely for workers of the central government. This plan provides benefits to high-ranking Indian Railways personnel, Supreme Court judges, and other significant central government employees. CGHS is now available in 71 Indian cities.

Chief Minister’s Comprehensive Insurance Scheme

The state of Tamil Nadu, in collaboration with United India Insurance Company, provides this excellent family floater medical insurance to the state's needy citizens.Individuals with a yearly income of less than Rs.75000 are eligible for this plan.

Bhamashah Swasthya Bima Yojana

This is a special endeavour to provide healthcare coverage to Rajasthan's rural inhabitants. This plan is open to those who are qualified for assistance under the National Food Security Act (NFSA) and the Rashtriya Swasthya Bima Yojana.

Awaz Health Insurance Scheme

This insurance programme, which was established by the Kerala government in 2017, is aimed towards inter-state workers in Kerala who do not have medical coverage. This plan not only provides cash aid in medical crises, but it also provides a death benefit to the policyholder's family members.

Employees’ State Insurance Scheme

If you work in a factory, you should be concerned about this government scheme. Following India's independence, the government established this insurance programme for industrial workers in order to minimise the number of fatalities and impairments in the country's industries.

Karunya Health Scheme

The Karunya medical insurance plan, another popular initiative of the Kerala government, provides coverage for critical ailments to those from economically disadvantaged backgrounds. You must submit your income certificate along with a photocopy of your Aadhaar card to be eligible for this plan.

Mahatma Jyotiba Phule Jan Arogya Yojana

This particular medical insurance plan was created by the Maharashtra government for those living in poverty. From the first day of coverage, policyholders can seek financial compensation for the disorders listed as inclusions. The highest amount of coverage is Rs.1.5 lakh.

Pradhan Mantri Suraksha Bima Yojana

The Pradhan Mantri Suraksha Bima Yojana provides policyholders with accidental death and disability payments. Individuals with partial disabilities are eligible for up to Rs.1 lakh in benefits, while those with total disability/death are eligible for up to Rs.2 lakh in benefits.

Dr YSR Aarogyasri Health Care Trust Andhra Pradesh State Government

This plan incorporates four distinct types of programmes for Andhra Pradesh citizens, rather than a single system. One is for the poor, while the other is for those who are above the poverty line. Journalists are covered under the third kind, which provides cashless treatment. Furthermore, a portion of this plan is reserved for state workers.

Universal Health Insurance Scheme

This is among the most cost-effective government-sponsored health-insurance programmes in India. Individuals who are considered to be below the poverty line can benefit from it after providing the required documentation.

Rashtriya Swasthya Bima Yojana

Labourers and others who work in the unorganised sector are usually without health insurance. However, these people, like others, are susceptible to illness and accidents. The Ministry of Labour and Employment is in charge of providing such policies to people from the unorganised sector.

Government-sponsored health insurance policies are appealing since they are offered at a fraction of the cost of traditional plans. The above-mentioned alternatives are some of the most common government-backed medical care options accessible to those who otherwise could not manage to acquire the general plans.