15 Types of Government Health Insurance Plans in India.
The Governments world wide are working in direction of offering good high quality healthcare to the folks. The authorities take measures for the welfare of the folks from time-to-time. It contains consciousness about medical points, making certain enough infrastructure, and selling medical health insurance services. Such measures are additionally taken by the Indian Authorities from time-to-time.
What’s a Authorities Well being Insurance coverage Scheme?
It’s a Central or State Authorities powered scheme that’s designed to supply enough well being cowl at a low-priced insurance coverage cowl. Such medical health insurance insurance policies are normally provided on a yearly foundation.
Common Well being Insurance coverage Plans vs Authorities Well being Insurance coverage Scheme
| Options | Primary Well being Insurance coverage | Authorities Well being Insurance coverage Scheme |
| Eligibility | Out there to all sections of society | Out there to lower-income teams solely |
| Sum Insured | Most sum insured of as much as Rs 1 crore | Most sum insured of as much as Rs 5 lakh |
| Premium | Rs 200 per 30 days onwards (relying on the plan) | Rs 100 per 30 days onwards or totally paid by the federal government(relying on the plan) |
| Protection | Provides a broader protection | Provides a slim protection |
| Non-public Hospital Room | Out there(relying on the plan) | Could or is probably not accessible |
| Coverage Buy | Coverage might be bought immediately | Coverage buy could take time |
| Community Hospitals | Vast community of empanelled non-public hospitals | A lot of private and non-private community hospitals |
| Maternity Advantages | Out there(relying on the plan) | Out there(Just for a single little one underneath some instances) |
| Ambulance Fees | Out there underneath most plans | Out there underneath a couple of plans |
| Domiciliary Hospitalization Cowl | Out there(relying on the plan) | Not accessible |
| On-line Renewal | May be renewed on-line | Could or is probably not renewed on-line |
| Cumulative Bonus | Out there if no declare was filed within the earlier coverage yr | Not accessible |
| Well being Verify-up | Coated underneath some plans | Not lined |
| Month-to-month Premium Instalment Facility | Out there underneath some plans | Not accessible |
| Tax Advantages | Out there underneath Revenue Tax Act 1961 | Not accessible |
Kinds of Authorities Well being Insurance coverage Scheme
Learn forward to know extra in regards to the a number of medical health insurance schemes by the Authorities of India:
1. Ayushman Bharat Yojana:
Ayushman Bharat is a common medical health insurance scheme of the Ministry of Well being and Household Welfare, Authorities of India. PMJAY was launched to supply free healthcare companies to greater than 40% inhabitants of the nation. The scheme affords a well being cowl of Rs 5 Lakh.
On this scheme, it covers medicines, diagnostic bills, medical therapy, and pre-hospitalization prices. The poorest households of India can profit from this healthcare scheme.
2. Pradhan Mantri Suraksha Bima Yojana:
Pradhan Mantri Suraksha Bima Yojana goals to supply accident insurance coverage cowl to the folks of India. Folks within the age group of 18 years to 70 years who’ve an account in a financial institution can avail profit from this scheme.
This coverage supplies an annual cowl of Rs 2 lakh for complete incapacity and dying cowl and Rs 1 lakh for partial incapacity. The coverage premium will get mechanically debited from the policyholder’s checking account.
3. Aam Aadmi Bima Yojana (AABY):
This is without doubt one of the newest Nationwide Well being Insurance coverage schemes having been established within the yr 2007, October. It mainly covers people from the age of 18 years-59 years. AABY insurance coverage scheme is tailor-made for all these residents residing within the upcountry and within the rural areas.
It additionally covers the landless residents who’re tenants residing each in city and rural areas. It additionally contains giving scholarships to underprivileged youngsters.
Mainly, the pinnacle of the household or the incomes member is the one protected by this scheme. The premium of 200 rupees each year is shared equally by the state and the central authorities. Upon a pure dying, the household is compensated at 30000 rupees. Nonetheless, upon dying brought on by a everlasting incapacity, the household is compensated at 75,000 rupees.
4. Central Authorities Well being Scheme (CGHS):
This scheme was began within the yr 1954 and supplies complete well being care services for central authorities officers and pensioners residing in cities. Operations of this scheme happen in cities corresponding to Kolkata, Mumbai, Lucknow, Delphi, Nagpur, and Pune.
The folks lined by this scheme are required to be residing in India. It is a Nationwide Well being Firm On-line Renewal program that features the privilege of well being schooling to the beneficiaries.
This scheme has the next most important parts: All dispensary associated companies together with domiciliary care. As well as, the beneficiaries of this scheme have the privilege of being hospitalized each time they fall ailing.
Alternatively, at any time when you’ve got an X-ray or laboratory examination necessities, they might be offered free underneath this explicit scheme. A very powerful benefit of this Nationwide Well being Insurance coverage scheme is that it supplies free specialists consultations each at hospital stage and dispensaries.
5. Employment State Insurance coverage Scheme:
It is a multidimensional Nationwide Medical insurance scheme on account of the truth that it supplies social safety in addition to socio-economic safety to all employees in India. As well as, it supplies the identical privileges those that depend upon employees protected underneath this scheme.
This insurance coverage scheme commences upon the primary day of insurable employment to each employee. They’re supplied with full medical care insurance coverage for themselves and their households as properly.
Alternatively, these lined underneath this scheme (which is mainly employees) are additionally entitled to a variety of money advantages. They embody money in instances of bodily misery corresponding to illness and even when one would possibly turn into disabled could or not it’s temporal or everlasting.
As well as, for any girl who would lose the capability to earn or dependents of individuals injured throughout occupational accidents, they’re entitled to a month-to-month pension generally known as dependents advantages.
This scheme is just not relevant to each individual or firm. It is just relevant to all everlasting factories using greater than ten workers. Lately, the scheme has been prolonged to varied companies together with retailers, eating places, street and motor transports and newspaper entities that make use of greater than 20 folks.
6. Janshree Bima Yojana:
Janshree Bima Yojana is designed for people within the poor class who’re inside the age group of 18-59 years. The scheme contains particular options like Girls SHG Teams and Shiksha Sahyog Yojana. At current there are 45 occupational teams underneath this scheme.
7. Chief Minister’s Complete Insurance coverage Scheme:
Chief Minister’s Complete Insurance coverage Scheme is a Tamil Nadu state authorities scheme. It was launched in affiliation with the United India Insurance coverage Firm Ltd. It’s a household floater coverage that was designed to supply high quality well being care companies to folks. This scheme covers greater than a thousand medical procedures.
On this coverage, you possibly can declare for hospitalization bills as much as Rs 5 lakh. The beneficiary can choose from each non-public and authorities hospitals underneath this scheme. Tamil Nadu residents with an annual earnings of lesser than Rs 75000 per yr are eligible to enroll underneath this scheme.
8. Common Well being Insurance coverage Scheme (UHIS):
Such a scheme was carried out to assist the households who stay under the poverty line. It covers the medical bills of each member of the household. In case of dying on account of an accident, there’s a cowl that is offered.
The principle drivers of the Common Well being Insurance coverage Scheme are mainly the 4 public sector basic insurance coverage firms who’ve been doing this with an intention of bettering healthcare to the underprivileged and particularly the economically disabled citizen in India.
As soon as a member of the family is hospitalized, this scheme could facilitate the medical bills of as much as 30,000 rupees. Nonetheless, when the incomes head of the household is admitted to the hospital, the Common medical health insurance scheme compensates a complete of fifty rupees each day for a most of 15 days.
We are able to due to this fact say that this insurance coverage scheme is designed for households under the poverty line.
9. West Bengal Well being Scheme:
The Authorities of West Bengal launched this scheme for its workers within the yr 2008. It is usually accessible for the pensioners. This protection is offered on each particular person and household floater foundation as much as a sum insured of Rs 1 lakh. The coverage covers OPD therapy and medical surgical procedures as per the coverage phrases and situations.
10. Yeshasvini Well being Insurance coverage Scheme:
The Karnataka State Authorities promotes the Yeshasvini Well being Insurance coverage Scheme. This scheme is beneficial for peasants and farmers and who’re related to a co-operative society. This medical health insurance scheme covers greater than 800 medical procedures corresponding to Neurology, Orthopaedic, Angioplasty, and so on.
Co-operative societies assist the farmers to get enrolled within the Yeshasvini Well being Insurance coverage Scheme. The beneficiaries can avail of well being care companies by community hospitals, and protection advantages are extendible to the beneficiary’s members of the family.
11. Mahatma Jyotiba Phule Jan Arogya Yojana
The Authorities of Maharashtra launched this medical health insurance coverage for the good thing about folks within the state round. The scheme goes to be useful for under the poverty line and was focused on the farmers in Maharashtra.
The coverage affords a household well being cowl of as much as Rs 1.5 lakh for specified diseases. One of the best half about this coverage is that there isn’t a ready interval, and it’s claimable after the primary day itself, except it’s particularly talked about within the coverage phrases.
12. Mukhyamantri Amrutam Yojana
Mukhyamantri Amrutam Yojana was initiated by the Gujarat authorities within the yr 2012 for the good thing about the poor folks residing in Gujarat. People who find themselves within the decrease middle-income group and under the poverty line are eligible to enroll underneath the scheme.
It’s household floater medical health insurance coverage that gives protection as much as Rs 3 lakh per household. The policyholder can avail of medical therapy from non-public and authorities hospitals, in addition to trust-run hospitals.
13. Karunya Well being Scheme:
In 2012, the Kerala Authorities had launched this scheme to supply well being cowl for listed power diseases. It’s a Crucial Sickness plan for the poor and covers main ailments corresponding to Kidney, Most cancers, cardiovascular diseases, and so on.
People who find themselves under the poverty line can enroll themselves on this scheme. The beneficiary wants to supply a replica of the Revenue Certificates and Aadhaar Card for a similar.
14. Telangana State Authorities Staff and Journalists Well being Scheme:
Telangana Authorities launched this scheme for its journalists and workers. It’s helpful for the employed, retired, and pensioners. On this scheme, the beneficiary can avail of cashless therapy within the hospitals which are registered. The beneficiaries do not need to hurry to rearrange funds for emergency medical bills.
15. Dr YSR Aarogyasri Well being Care Belief:
4 well being welfare schemes have been launched by the Andhra Pradesh Authorities together with the Dr YSR Aarogyasri Belief. These schemes supply medical cowl to completely different folks and assist them on the time of a medical emergency. The schemes are given under:
- Dr YSR Aarogyasri scheme for the welfare of the poor
- Arogya Raksha scheme is for Above the Poverty Line (APL)
- Working Journalist Well being Scheme that gives cashless therapy cowl for specified procedures
- Worker Well being Scheme supplies well being cowl to the state authorities workers
Options and Advantages of Authorities Well being Insurance coverage Schemes
The options and advantages of presidency medical health insurance schemes are given under:
- Authorities medical health insurance schemes are provided at a low value
- With this coverage, BPL households may also avail of insurance coverage advantages
- The coverage ensures protection for the poor folks
- The coverage contains therapy in each non-public and authorities hospitals for higher healthcare
