7 Most Important Health Insurance Schemes in India

The Governments around the world are working towards providing good quality healthcare to the people. Moreover, in budget 2021-22, Finance Minister of India, Nirmala Sitharaman has given utmost importance to health care system. Moreover, the authorities take measures for the welfare of the people from time-to-time.

It includes awareness about medical issues, ensuring adequate infrastructure, and promoting health insurance facilities.  

These health insurance schemes are for all including the farming community.

Let’s know about the health insurance schemes in detail. 

What is a Government Health Insurance Scheme?

It is a Central or State Government powered scheme that is designed to provide adequate health cover at a low-priced insurance cover. Such health insurance policies are usually offered on a yearly basis.

1. Ayushman Bharat Yojana

Ayushman Bharat is a universal health insurance scheme of the Ministry of Health and Family Welfare, Government of India. PMJAY was launched to provide free healthcare services to more than 40% population of the country. The scheme offers a health cover of Rs 5 Lakh.

2. Pradhan Mantri Suraksha Bima Yojana

The Scheme is available to people in the age group 18 to 70 years with a bank account who give their consent to join / enable auto-debit on or before 31st May for the coverage period 1st June to 31st May on an annual renewal basis. Aadhar would be the primary KYC for the bank account. The risk coverage under the scheme isRs.2 lakh for accidental death and full disability and Rs. 1 lakh for partial disability. The premium of Rs. 12 per annum is to be deducted from the account holder’s bank account through ‘auto-debit’ facility in one installment. The scheme is being offered by Public Sector General Insurance Companies or any other General Insurance Company who are willing to offer the product on similar terms with necessary approvals and tie up with banks for this purpose. 

3. Aam Aadmi Bima Yojana  

The Government of India launched the Aam Aadmi Bima Yojana (AABY) in October 2007. It covers natural or accidental death and disability of people who fall within certain occupational groups. 

Approximatelyof India’s total workforce is employed in the unorganized sector. Workers belonging to such occupational groups are prone to accidents and illnesses.  

4. Central Government Health Scheme

The Central Government Health Scheme offers healthcare facilities to employees and pensioners of the Central Government of India who are registered under the scheme. The scheme offers reimbursement and cashless facilities to enrolled members. 

To apply for CGHS, Click Here https://cghs.gov.in/ 

Click here to know the eligibility.

https://cghs.gov.in/index1.php?lang=1&level=1&sublinkid=6020&lid=3946 

5. Employment State Insurance Scheme

Employees' State Insurance Scheme of India is an integrated social security scheme tailored to provide social protection to workers and their dependants, in the organised sector, in contingencies, such as, sickness, maternity and death or disablement due to an employment injury or occupational hazard. 
 
The ESI Act, (1948) applies to following categories of factories and establishments in the implemented areas: 
 
*Non-seasonal factories using power and employing ten(10) or more persons 
* Non-seasonal and non power using factories and establishments employing twenty (20) or more persons. 

Click Here for more information  

https://www.india.gov.in/spotlight/employees-state-insurance-scheme#tab=tab-1

6. West Bengal Health Scheme

The Government of West Bengal launched this scheme for its employees in the year 2008. It is also available for the pensioners. This coverage is provided on both individual and family floater basis up to a sum insured of Rs 1 lakh. The policy covers OPD treatment and medical surgeries as per the policy terms and conditions. 

7. Yeshasvini Health Insurance Scheme

The Karnataka State Government promotes the Yeshasvini Health Insurance Scheme. This scheme is useful for peasants and farmers and who are associated with a co-operative society. This health insurance scheme covers more than 800 medical procedures such as Neurology, Orthopaedic, Angioplasty, etc