List the 7 best Government Health Insurance Schemes available in India

Governments around the world are committed to providing quality health care to their citizens. Raising awareness about health issues, ensuring strong infrastructure and promoting health insurance are productive activities that authorities undertake for the welfare of the people. The Government of India also takes such measures from time to time. If you want to know more about the government health insurance scheme in India, read on.

1. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

PMSBY is a government-sponsored health insurance scheme that provides life insurance coverage of up to Rs 200,000 per year to people aged 18 to 70 years. The system is designed to provide financial protection to individuals and families in the event of accidental death or disability. The scheme also provides personal injury compensation of up to Rs 100,000 for death and permanent disability due to accidents.

2. Central Government Health Scheme (CGHS)

The scheme was started in 1954 to provide comprehensive medical facilities to central civil servants and pensioners living in cities. The scheme is being implemented in cities like Kolkata, Mumbai, Lucknow, Delhi, Nagpur and Pune.

Eligible persons for this scheme must reside in India. This is the National Health Company's online update program that includes health education benefits for beneficiaries.

The scheme has the following main components: All pharmacy related services including home health care. Moreover, the beneficiaries of this scheme have the privilege of hospitalization whenever they fall ill.

On the other hand, if X-rays or clinical tests are required, they will be provided free of charge under this special system. The most important benefit of this national health insurance scheme is that it provides free consultation by experts at both hospital and pharmacy levels.

3. Janshree Bima Yojana

Janshri Bima Yojana is intended for people aged 18 to 59 years who belong to the poor sections of the population. The plan includes features like women SHGs and Shiksha Sahyog Yojana. There are currently 45 occupational groups participating in this health insurance scheme.

4. Awaz Health Insurance Scheme

Awaz health insurance scheme has been launched in Kerala to accommodate migrant workers. It provides a health insurance plan worth Rs. 15,000 insurance payments. Additionally, it offers Rs. Benefit of Rs 2 million in case of death of the policyholder. Workers aged between 18 and 60 years can purchase insurance and will receive an Awaz health insurance card after proper verification.

5. Rashtriya Swasthya Bima Yojana (RSBY)

The Government of India has established the RashtriyaSwasthyaBima Yojana to ensure that those employed in the unorganized sector, such as laborers and labourers, have access to a quality health care scheme. Most of them do not have insurance, so if hospitalized, they will bear all the costs. The Department of Labor and Employment introduced a program that provides insurance to workers and their families to help them obtain quality health care.

6. Ayushman Bharat Yojana

Ayushman Bharat is a comprehensive health insurance scheme under the Ministry of Health and Family Welfare, Government of India. PMJAY was launched to provide free healthcare services to over 40% of the country's population. The scheme offers health cover worth Rs 5 lakh.

In this scheme, it covers the costs of medicines, diagnosis, medical treatment and pre-hospitalization costs. The poorest families in India can benefit from this healthcare system.

7. Mahatma Jyotiba Phule Jan Arogya Yojana

The Maharashtra government has launched a special medical insurance scheme for individuals living below the poverty line.

However, only residents of the selected area can apply. Policyholders can claim sickness financial benefits and premium inclusions from the first day of coverage. The maximum coverage amount is up to Rs.1.5 lakh.

FAQs

Q. What is 5 lakh health insurance by government of India?

A. PMJAY helps households access secondary and tertiary care by funding up to Rs. 5 lakh per family per year. This assistance is valid for daycare procedures and even applies to pre-existing conditions. PMJAY extends coverage for over 1,350 medical packages at empanelled public and private hospitals.

Q. What are the new insurance schemes taken by the government?

A. Notable schemes include Ayushman Bharat, Awaz Health Insurance Scheme, Aam Aadmi Bima Yojana, Bhamashah Swasthya Bima Yojana, Central Government Health Scheme, and many others, each with specific benefits and eligibility criteria.

Q. Who are the top 5 health insurance companies?

A. The five largest health insurance companies are UnitedHealth Group, Anthem, Kaiser Permanente, Ambetter and Humana. Currently insured?

Q. Who is eligible for ayushman Bharat?

A. Candidates have to be below Rs 2.4 lakh annual income. Eligibility is primarily based on the Socio-Economic Caste Census (SECC) Database. The candidate's family does not have any income above 16 years of Age. Candidates must belong to the SC or ST category.

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