In this article, I'm going to share with you some important information about government health insurance schemes.
Govt. Health Insurance Schemes
Why health insurance is important. Two people cannot take health insurance: -
1.Those who have no money, 2.Those who do not love their family.
- It is not necessary to have adequate cash in the house at all times.
- Illness and accident never comes by telling.
- Discount Offers do not run in Hospital.
- Your family members cannot be seen in the womb.
- If there is no health insurance, you may have to sell any expensive property or land property.
- You cannot guarantee other vehicles on the road.
- Treatment of diseases is not as cheap as before.
- Illness or accident do not come by seeing your money system.
- When something happens, it will be seen, do not wait for it.
No one can use health insurance after death, but live health insurance can become your biggest support.
List of Government Health Insurance Schemes in India
Ayushman Bharat:
There are two main components related to Ayushman Bharat: 1.) Health and Wellness Centres (HWC) and 2.) Pradhan Mantri Jan Arogya Yojana (PM-JAY). 150000 HWCs have been created in order to ensure better healthcare for the people. These HWCs are transformed versions of earlier initiatives like Sub Centres and Primary Health Centres.
The PM-JAY is a health insurance scheme for the poor. It offers a health cover of Rs.5 lakhs per family on an annual basis, and the payable premium is Rs.30.
Pradhan Mantri Suraksha Bima Yojana:
This is a government-backed accident insurance scheme in India. This is scheme launched by Prime Minister Narendra Modi on 9 May 2015 in Kolkata. PMSBY scheme came into existence to offer accident insurance to the people of India. In 2016, it was observed that only 20% of the Indian citizens had an insurance cover. However, Pradhan Mantri Suraksha Bima Yojana aspires to change this statistic in a positive manner.
Bank Savings Account holders between 18 years and 70 years who have given the consent to join the scheme / enable auto-debit, as per the modality, will be enrolled into the scheme.
As per the guidelines by Ministry of Finance, the premium will be Rs.12 gets debited automatically from the insured person’s bank account every year.
This policy offers an annual cover of Rs.1 lakh for partial disability and Rs.2 lakhs for total disability/death for a premium of Rs.12.
Nowadays, this scheme is active for common people and you can enroll yourself with it. Besides, you can also share the important government scheme to you relative and friends.
Awaz Health Insurance Scheme:
This is a health insurance cover for migrant workers and is initiated by the Government of Kerala. It also offers insurance for death by accident for labourers. The scheme was launched in the year 2017 and targeted Rs.5 lakh inter-state migrant labourers working in Kerala.
The health insurance coverage offered under Awaz Health Insurance is Rs.15000, while the cover for death is Rs.2 lakh.
This policy can be obtained by labourers falling in the age group of 18 to 60. They shall be provided with an Awaz Health Insurance card, post submitting and processing of enrollment details pertaining to biometric information and other work- related documents.
Aam Aadmi Bima Yojana:
Aam Aadmi means Rural and landless person. The *Aam Aadmi Bima Yojana (AABY) is meant for people involved in certain vocations such as Carpentry, Fishing, Handloom weaving, etc. There are 48 such defined vocations. Before 2013, there were two policies of similar nature, AABY and Janashree Bima Yojana (JBY). After 2013, JBY was merged with AABY.
Policy Details:
- In case of natural death: Rs. 30,000/-
- In case of accidental death: Rs.75,000/-
- In case of disability: Rs.75,000/-
- In case of partial disability: Rs. 37,500/-
Eligibility: The eligibility criteria for this policy is that one should be a family
head or an earning member of one’s family (around the poverty line) and
should be performing one of the 48 mentioned vocations. The Aam Aadmi Bima Yojana fully based on computerised system. This schame website develop by Uttar Pradesh revenue council.
Premium: Rs.30000 insurance policy is Rs. 200 for a year.
Bhamashah Swasthya Bima Yojana:
Nowadays, this scheme is active and you can enroll yourself with it. This is a cashless claims scheme for rural people of Rajasthan. There is no prescribed age limit for availing the benefits of this scheme.
Rajasthan Government supports insurance initiatives towards its citizens under the Bahmashah Swasthya Bima Yojana.
Those who are a part of the National Food Security Act (NFSA) and the Rashtriya Swasthya Bima Yojana (RSBY) are also qualified for this insurance policy. This scheme covers hospitalization expenses for general illness as well as critical illnesses as per the terms and conditions. It covers both in-patient as well as out-patient expenses.
Nowadays, this scheme is active and you can enroll yourself with it.
Central Government Health Scheme:
As the name suggests, this policy is initiated by India’s Central Government. Central Government employees are eligible for this policy. For example, Supreme Court judges, Certain Railway Board employees, etc. This policy has been active for six decades and has covered more than 35 lakh employees and pensioners.
Hospitalization, as well as domiciliary care, are covered as per this plan’s terms and conditions. Central Government Health Insurance Scheme (CGHS) covers Allopathy and Homeopathy as well. It is available in 71 cities and the plan is to expand the scope to more areas.
Chief Minister’s Comprehensive Insurance Scheme:
This is a state government scheme. It is promoted by Tamil Nadu Government in association with United India Insurance Company Ltd. The Chief Minister’s Comprehensive Insurance Scheme is a family floater plan designed for quality health care.
One can claim for hospitalization expenses up to Rs. 5 lakhs under this policy. Select government and private hospitals are a part of this scheme. People residing in Tamil Nadu earning less than Rs. 75000 annually are eligible for this scheme. More than a thousand procedures are covered under the Chief Minister’s Comprehensive Insurance Scheme.
Employees’ State Insurance Scheme:
Employees’ State Insurance Scheme was launched in the year 1952 to offer a financial cover in case of illness, disability or death faced by insured workers/employees.
As you know that a huge number of people worked in private firms/factories post-independence in India. The working conditions were such that there were injuries and deaths as well. This is where the concept of insurance proved beneficial.
Initially, only Kanpur and Delhi were considered, but the scope of the scheme expanded with time. This policy got an upgrade in the year 2015. Now, more than 7 lakh factories are a part of Employees’ State Insurance(ESI) scheme.
Nowadays, this scheme is active and you can enroll yourself with it.
Mahatma Jyotiba Phule Jan Arogya Yojana:
This scheme is also known as Rajiv Gandhi Jeevandayee Arogya Yojana was renamed as Mahatma Jyotiba Phule Jan Arogya Yojana in the year 2017. This policy is initiated by the Government of Maharashtra for the betterment of its downtrodden people.
Farmers from select districts and people below and around the poverty line across all districts are eligible for this scheme.
It is a family cover with a benefit of Rs. 150000. The diseases mentioned as inclusions in the scheme shall be covered from day one, without any waiting period unless specified.
Mukhyamantri Amrutum Yojana:
The Government of Gujarat launched the Mukhyamantri Amrutum Yojana in the year 2012 for the benefit of the state’s poor people. Lower middle-class families and those living below the poverty line are eligible for this cover.
This scheme offers a cover of Rs. 3 lakhs for a year on a family floater basis. Treatment can be availed in different types of hospitals such as public hospitals, private hospitals, trust-based hospitals, Grant-in-Aid hospitals, etc.
Rashtriya Swasthya Bima Yojana:
This scheme is directed towards people working in the unorganized sector. Often, they are not covered under any insurance policy. And in such a scenario, if they fall ill – which happens frequently – their savings get exhausted. Thus, they are never able to ensure they have savings in the bank. This is where health insurance can prove helpful to them.
Rashtriya Swasthya Bima Yojana is initiated by the Indian Government’s Ministry of Labour and Employment. Individuals workers in the unorganized sector and below the poverty line are covered under this scheme. The cover also extends to their family (maximum of five members).
Nowadays, this scheme is active for common poor family and you can enroll yourself with it.
Universal Health Insurance Scheme:
Nowadays, this scheme is active globally and you can enroll yourself with it. A lot of developed and developing nations have some sort of health care schemes for the benefit of their poor people. In India, the Universal Health Insurance Scheme aspires to do that and much more. This scheme can be availed by the poorest of the poor in the age group of 5 to 70 years.
It covers hospitalization, accident, and disability. The premium varies as per the size of the family. Universal Health Insurance Scheme offers individual as well as group insurance. Those falling under the poverty line need to show proper documentation to avail the policy.
Yeshasvini Health Insurance Scheme:
This scheme is promoted by the Karnataka State Government. It is meant for farmers and peasants associated with a co-operative society. More than 800 procedures (Orthopaedic, Neurology, Angioplasty, etc.) are covered as per this insurance policy.
Co-operative societies help the peasants and farmers to get enrolled in the Yeshasvini Health Insurance Scheme. The beneficiaries can avail health care through network hospitals. The scheme extends its benefits to the family members of the main beneficiary as well.
Read here a list of features and benefits of government health insurance schemes:
- Policies are offered at a low price.
- Encourages people below the poverty line to avail insurance.
- The government initiated policies help policyholders to feel assured.
- Ensures the poor people have some sort of insurance cover.
- Inclusion of Government as well as Private hospitals for better healthcare.
Download the Aarogya Setu App to tracker launched to alert you and keep you safe. Indian Government and Ministry of Health & Family Welfare has provided the following helpline number (Covid-19):
Central Helpline: +91-11-23978043
MyGov WhatsApp: 91+90131-51515
Reviewed by Neel Kamal
on
August 22, 2020
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