Health Insurance Schemes by Government of India
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Health Insurance Schemes by Government of India
Governments all throughout the world are trying to provide people with high-quality healthcare. From time to time, the authorities take steps to ensure the well-being of the population. It involves raising medical awareness, providing suitable infrastructure, and promoting health insurance options. The Indian government takes such actions from time to time to launch various health insurance schemes.  

What is a Government Health Insurance Scheme?

It is a system run by the federal or state governments that aims to offer appropriate health coverage at a minimal cost. These types of health insurance coverage are often available on an annual basis.  

Types of Government Health Insurance Schemes

Continue reading to learn more about the government of India's various health insurance schemes:  
Ayushman Bharat Yojana
Ayushman Bharat is a national health insurance plan run by India's Ministry of Health and Family Welfare. PMJAY was established to give free healthcare to more than 40% of the country's population. The plan includes a Rs 5 lakh health cover. Furthermore, Medicines, diagnostic charges, medical care, and pre-hospitalization expenditures are all covered under this plan. This healthcare initiative will aid India's poorest households.  
Pradhan Mantri Suraksha Bima Yojana
The Pradhan Mantri Suraksha Bima Yojana seeks to offer citizens in India with accident insurance coverage. This plan is available to those between the ages of 18 and 70 who have a bank account. This policy provides a total disability and death payment of Rs 2 lakh per year, as well as a Rs 1 lakh partial disability payout. The policy premium is automatically taken from the policyholder's bank account.  
Aam Aadmi Bima Yojana (AABY)
This is one of the most recent National Health Insurance schemes, having been launched in October of 2007. It primarily applies to those between the ages of 18 and 59. All residents residing in the upcountry and rural areas are equally eligible for the AABY insurance system. It also includes renters who are landless and live in both urban and rural locations. It also entails providing scholarships to youngsters from low-income families. Essentially, this scheme safeguards the family's breadwinner or earning member. The annual prize of 200 rupees is distributed evenly between the state and national governments. In the case of a natural death, the family is compensated with 30000 rupees. If the death is caused by a lifelong handicap, the family is compensated at 75,000 rupees.  
Central Government Health Scheme (CGHS)
This system, which was established in 1954, provides comprehensive health care to central government personnel and retirees living in cities. Kolkata, Mumbai, Lucknow, Delphi, Nagpur, and Pune are among the cities where this plan is in operation. The persons who are covered by this plan must live in India. This is a National Health Company Online Renewal programme that provides beneficiaries with the benefit of health education. The following are the primary components of this scheme: all dispensary-related services, including domiciliary care. Furthermore, members of this programme have the option of being hospitalised if they become unwell. However, if you need an X-ray or a laboratory assessment, you can get these services for free under this plan. The most important advantage of this National Health Insurance policy is that it provides free specialist consultations in both hospitals and dispensaries.  
Employment State Insurance Scheme
This is a complex National Health Insurance Scheme since it provides social security and socio-economic protection to all Indian employees. Every worker is covered by this insurance system from the first day of insurable employment. They are also given with comprehensive medical insurance for themselves and their family. On the other side, people who are covered by this system (mostly workers) are eligible for a variety of monetary benefits. They include money at times of bodily discomforts, such as disease or the possibility of being crippled, whether temporarily or permanently. In addition, any woman who loses her ability to work or the dependents of those wounded in work-related accidents are entitled to a monthly annuity known as dependents benefits. This method does not apply to everyone or every business. It only applies to permanent factories with a workforce of more than 10 people.  
Janshree Bima Yojana
The Janshree Bima Yojana is for those who are poor and between the ages of 18 and 59. The scheme has two distinct features: women's SHG groups and the Shiksha Sahyog Yojana. At the time, this strategy covers 45 different occupational groups.  
Chief Minister's Comprehensive Insurance Scheme
The Chief Minister's Comprehensive Insurance Scheme is managed by the state government of Tamil Nadu. In this case, the firm teamed with United India Insurance Company Ltd to develop it. It's a type of family floater insurance designed to help people have access to high-quality health-care services. Over a thousand different medical treatments are covered under this plan. With this coverage, you may claim up to Rs 5 lakh in hospitalisation costs. The recipient can select between private and government hospitals under this scheme. Residents of Tamil Nadu with an annual income of less than Rs 75000 are eligible to take part in this initiative.  
Universal Health Insurance Scheme (UHIS)
This health scheme is basically for families that are living in poverty. It covers the medical expenditures of each and every family member. A cover is provided in the event of death as a result of an accident. The four public sector general insurance firms that have been driving the Universal Health Insurance Scheme have been doing so with the goal of improving healthcare for India's disadvantaged and notably economically challenged citizens. If a family member is hospitalised, this plan may be able to help with medical expenditures of up to 30,000 rupees. However, if the family's breadwinner is admitted to the hospital, the Universal health insurance system reimburses a total of 50 rupees each day, up to a maximum of 15 days.  
West Bengal Health Scheme
The West Bengal government implemented this scheme for its employees in 2008. Retirees can also make use of the service. This coverage is provided on an individual and family floater basis up to a total insured of Rs 1 lakh. The coverage includes OPD treatment and medical surgeries, according to the insurance terms and circumstances.  
Yeshasvini Health Insurance Scheme
The Karnataka State Government promotes the Yeshasvini Health Insurance Scheme. Peasants and farmers who are members of a co-operative organisation benefit from this initiative. Basically, this health-insurance package covers over 800 medical procedures, including neurology, orthopaedics, and angioplasty. Cooperative societies support farmers in registering in the Yeshasvini Health Insurance Scheme. Generally, the beneficiaries get access to health care services through network hospitals, and their coverage benefits are extended to their family members.  
Mahatma Jyotiba Phule Jan Arogya Yojana
The Maharashtra government developed this health insurance coverage for the benefit of the state's residents. Farmers in Maharashtra will profit from the scheme, which is aimed at people living in poverty. The policy gives a family health cover of up to Rs 1.5 lakh for certain conditions. The nicest thing about this insurance is that there is no waiting period and claims can be made on the first day of coverage, unless the policy terms specify otherwise.  
Mukhyamantri Amrutam Yojana
In the year 2012, the Gujarat government introduced the Mukhyamantri Amrutam Yojana for the benefit of the state's poor. Anyone in the lower middle income category who is below the poverty level is eligible for the programme. It's a family floater health insurance policy that provides coverage up to Rs 3 lakh. Medical treatment is available to insured people in private and government hospitals, as well as trust-run facilities.  
Karunya Health Scheme
The Kerala government launched this plan in 2012 to provide health coverage for a number of chronic diseases. Basically, it's a critical illness plan for the poor that covers major illnesses including renal disease, cancer, and cardiovascular disease, among others. Those who are impoverished or on the verge of becoming poor are eligible to participate in this programme.  
Telangana State Government Employees and Journalists Health Scheme
This plan was created by the Telangana government for its journalists and staff. Employed people, retirees, and pensioners all benefit from it. Furthermore, the participants of this plan can receive cashless treatment at any of the participating hospitals.  
Dr. YSR Aarogyasri Health Care Trust
The Andhra Pradesh government, in collaboration with the Dr. YSR Aarogyasri Trust, has launched four health-care initiatives. These plans provide medical coverage to a variety of people and assist them in the event of a medical emergency. The following are the schemes:
  • YSR Aarogyasri's poor-welfare people's system
  • Arogya Raksha is a plan for those who are above the poverty line (APL)
  • Working Journalists' Health Plan, which covers some treatments with no out-of-pocket costs.
  • State government employees are covered under the Employee Health Scheme.

Features and Benefits of Government Health Insurance Schemes

The following are the features and benefits of government health insurance schemes:
  • Low-cost government health insurance plans are available.
  • BPL households can also benefit from this policy's insurance advantages.
  • The policy guarantees that the impoverished are covered.
  • The policy offers treatment in both private and public hospitals in order to improve healthcare.

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