The health of the individuals is the major consideration of any country worldwide. The government brings many measures to protect people’s health. You may have heard about health care schemes, welfare schemes, awareness campaigns for medical issues, health insurance policies, providing infrastructure to hospitals, and others. The Indian govt works on all of the factors to protect the Indian people from any health issues and give them the best care.
Government Health Schemes
The health schemes that are run by the central govt or state govt are under the parameter of Govt Health Schemes. The govt provides adequate health coverage to the people of the nation at the lowest possible price. Most of the insurance policies of the govt are run yearly.
A Look at Regular Insurance Plans VS Govt Insurance Plans
| Features | Regular Health Insurance | Govt Health Insurance |
| Eligibility | It is for everyone in the society | Govt bring insurance schemes for lower income groups |
| Sum Insured | The person can go for health insurance up to Rs 1 crore | The govt schemes have insurance up to Rs 5 lakh |
| Premium | The premium will start from Rs 200 per month and onwards | There will be no premium at all or Rs 100 per month or onwards |
| Coverage | It has broader coverage | It has a narrow coverage |
| Private Hospital Room | The availability of rooms depends on your plan | The plan includes rooms in private hospitals, it depends on the availability |
| Policy Purchase | You can enroll for policy at any time | It is a government scheme and may take a few days |
| Network Hospitals | You can go to the listed private hospitals as per your plans | Both private and govt hospitals are included in the scheme. |
| Maternity Benefits | Available as per the plan you have purchased | It will be available for one single child in some cases |
| Ambulance Charges | May apply for some plans | Most of the plans do not have ambulance charges |
| Domiciliary Hospitalization Cover | Available will depend on your plan | Not available |
| Online Renewal | You can renew it online | Online renewable is possible |
| Cumulative Bonus | Yes, you can claim for bonus | No, you can not claim |
| Health Check-up | Few plans covered not all | Not covered |
| Monthly Premium Instalment Facility | Present for a few plans | Not Needed |
| Tax Benefits | Present under the Income Tax Act 1961 | Not available |
Types of Govt Health Insurance Yojanas
1. Ayushman Bharat Yojana
Ministry of Health and Family Welfare has founded a health insurance scheme for Indian people. Nearly 40% of individuals in India are fetching advantages from the Ayushman Bharat Scheme. A person will get health insurance of Rs 5 Lac under ABY Yojana. The person who falls in the deprivation group of India will get the benefit of free medicines, medical treatment, pre and post-hospitalization expenses, and diagnostic expenses.
2. Pradhan Mantri Suraksha Bima Yojana / PMSBY
The PM of India has given a scheme to cover accidents impacts on Indian people. Under Pradhan Mantri Suraksha Bima Yojana, people will get accident insurance. A person has to open a bank account and his age must be from 18 years to a max of 70 years.
A person will get Rs 1 Lac for partial disability and Rs 2 Lac for complete disability or death. For this scheme, a person has to give a premium and that will be automatically deducted from the bank account of that person. The amount of premium per year is Rs 20 only.
3. Aam Aadmi Bima Yojana /AABY
Aam Aadmi Bima Yojna has been running since 2007. The title of the strategy was modified in the year 2013. The person targets people from 18 years to 59 years. The people who reside in villages/rural areas of the country are allowed for Aam Aadmi Bima Yojna. The AABY Yojna will also be for those individuals who live in urban neighborhoods in leased homes. The underprivileged children will also get scholarships under Aam Aadmi Bima Yojna.
The AABY scheme protects the head of the family, the person who is earning for the family. The actual premium of Aam Aadmi Bima Yojana is Rs 200. The person should be from the BPL family. Upon natural death, the family will get Rs 30000 and on accidental death, the insurance amount will be Rs 75000.
4. Central Government Health Scheme /CGHS
The CGHS Scheme was launched in 1954 to provide healthcare facilities to central govt employees or pensioners. The cities covered under the Central Govt Health Scheme are Delhi, Lucknow, Mumbai, Pune, and others. An individual must be a local of India. The Central Govt Health Scheme will seen by the National Health Company and the person can renew the plan online.
The person who is associated with the Central Govt Health Scheme will get dispensary-related services and hospital bed expenses in case of any illness. The scheme will provide free X-rays and free Lab tests. The person can also avail of free specialist consultations under the Central Govt Health Scheme.
5. Employment State Insurance Scheme/ESIS
ESIS Scheme is a multidimensional scheme. The role of this scheme is to give social security and socio-economic protection to all the employees working in India. The person who is working somewhere and registered under the ESIS Scheme will acquire medical care insurance for themselves and their households. The insurance starts from the first day of employment.
The scheme is valid for employees who are working in permanent factories with more than 10 employees. The factory or business can be of shops, malls, restaurants, motor transport, newspaper entities, start-up companies, etc.
6. Janshree Bima Yojana
The poor category of people aged from 18 years to 59 years is the target of the Janshree Bima Yojana. The scheme has benefits for women SHG Groups, Siksha Sahyog Groups, and others and there are 45 occupational groups in Janshree Bima Yojana.
7. CM’s Comprehensive Insurance Scheme/ CM CIS
The Tamil Nadu govt runs the CM’s Comprehensive Insurance Scheme. The scheme runs with the collaboration of UIIC /United India Insurance Company Limited. The scheme has the target to give quality healthcare facilities to the people and their families. There are more than 1000 medical procedures under the CM’s CIS Scheme.
A person can claim a bill of Rs 5 Lac under this scheme. The hospital can be govt or private. A person whose family income is less than Rs 75000 per year is allowed to register for the Chief Minister’s CIS Scheme.
8. Universal Health Insurance Scheme /UHIS
The scheme targets people fibbing below the poverty line. The medical expenses of every fellow of the family are shielded under the UHIS Scheme. The scheme has covered accidental death in the family. The scheme is subsidized by four public sector public insurance organizations. The companies want to improve health care for the poor section of the country, especially for disabled persons.
The scheme will bear the medical expenses of Rs 30000 for any family member. In case, if head of the family gets sick, the UHIS Scheme will provide a compensation of Rs 50 per day for up to 15 days.
9. WB Health Scheme
The WB govt founded the Health Scheme in the year 2008 for the people of West Bengal. The pensioners people can also apply for the WB Health Scheme. The insurance will be given for an amount up to Rs 1 Lac to the individuals or families under the WB Health Scheme. The WB Health Scheme will cover surgeries and OPD charges.
10. Yeshasvini Health Insurance Scheme/YHIS
The YHIS Insurance Scheme is launched by the Karnataka govt. The scheme covers the farmers and peasants who work in a corporate society. The medical procedures covered under the Yeshasvini Health Insurance Scheme are more than 800 and they are Nearology, orthopaedic, and others.
The cooperate societies where a person works, help the person to enroll for the Yeshasvini Health Insurance Scheme. The person can go to a network of hospitals for treatment and his family is also included in the insurance.
11. Mahatma Jyotiba Phule Jan Arogya Yojana/MJPJAY
The Maharastra govt has the MJPJAY/Mahatma Jyotiba Phule Jan Arogya Scheme. The MH govt runs the scheme to help the farmers and people below the poverty line. The family will get insurance of Rs 1.5 Lac for specified illnesses under the Mahatma Jyotiba Phule Jan Arogya Scheme. The person who has applied today will get the benefit of the Mahatma Jyotiba Phule Jan Arogya Scheme, there is no waiting time.
12. Mukhyamantri Amrutam Yojana
The Gujarat State has started the Mukhyamantri Amrutam Yojana in 2012. The poor section of Gujarat State will be benefited from Mukhyamantri Amrutam Yojana. The people who belong to the lower middle-income group can also apply for the scheme. The scheme covers the head of the family and all other members of the family. The insurance will be covered for Rs 3 Lac. The person can choose govt or private hospital under the Mukhyamantri Amrutam Yojana.
13. Karunya Health Scheme
Karunya Health Scheme is a Kerala govt scheme running since 2012. The scheme covers listed chronic diseases. The poor people who are suffering from chronic diseases must enroll in the Karunya Health Scheme Kelra govt scheme. They will get treatment for Kidney, Cancer, cardiovascular illnesses, and others. The poor people under the poverty line can apply for the Karunya Health Scheme by submitting their income proof and Aadhar card number.
14. Telangana Govt Employees/Journalists Health Scheme
The govt of Telangana has ventured a special project for employees and journalists. The employees, retirees, or pensioners will get the benefit of the Health Scheme in Telangana govt. The person can go for cashless treatment in the listed hospitals. There is no need to have cash in case of any medical emergency, the treatment will get started once you visit the hospital without cash in the Telangana govt.
15. Dr. YSR Aarogyasri Health Care Trust
The Andhra Pradesh Govt has projected four healthcare plans with the collaboration of Dr. YSR Aarogyasri Trust. The health insurance schemes target different people in four schemes and help them in medical emergencies.
- For the Poorer People: Dr. YSR Aarogyasri’s Plan
- For Above Poverty Line People: Arogya Raksha Plan
- Cashless Treatment for Working Journalist Health Plan
- For state government employees: Employee Health Plan
Benefits of Government Health Insurance Schemes
The people across India can get the benefit of central-run health insurance schemes of state insurance schemes. The Central govt and state govt have many schemes for the benefit of poor people, you must be aware of them and should benefit from those schemes. Some of the benefits of the schemes are given below.
- The premium amount of government health insurance schemes is very low.
- Most of the schemes are for the BPL families.
- The poor people across the country are included in these schemes.
- The people can go to private and govt hospitals for treatment