Health Insurance 6079 views May 11, 2020

List of Health Insurance Schemes Offered By The Government

Governments all over the world work towards providing good quality healthcare for their people. Whether it is creating awareness about health issues, ensuring strong infrastructure, and promoting Health Insurance are productive activities conducted by the authorities for people’s welfare. The Indian Government also undertakes such measures from time to time. Below we have listed down a few of such measures and initiatives taken by the Government.

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Ayushman Bharat Yojana

This plan came into existence because of recommendations made by the National Health Policy. Ayushman Bharat Yojana is designed keeping in mind Universal Health Coverage. This scheme aims to make the health services comprehensive as they are largely segmented. It is about ensuring continuous care for the people of India.

This scheme will provide a defined benefit coverage of INR 5 lakh per family per year for secondary and tertiary care hospitalization. Benefits of this scheme are portable across the country and a beneficiary covered under this scheme will be allowed to take cashless benefits from any public/private empanelled hospital across the country.

Awaz Health Insurance Schemes

This is a health insurance cover initiated by the Government of Kerela and covers migrant workers. It also offers insurance for death by accident for labourers. The scheme was launched in the year 2017 and targeted 5 lakh inter-state migrant labourers working in Kerala. This scheme provides a coverage of INR 15000, while the cover for death is INR 2 lakh. This policy can be obtained by labourers between the age of 18 to 60 years. They shall be provided with an awaz Health Insurance card, post submitting and processing of enrollment details pertaining to biometric information and other worker related health insurance.

Aam Aadmi Bima Yojana

The Aam Aadmi Yojana is meant for people who are involved in certain vocations such as carpentry, fishing, handloom weaving, etc. There are 48 such defined vocations. The premium to be charged under this scheme will be INR 200 per annum per member for a cover of INR 30000, out of which 50% will be subsidized from the Social Security Fund. The member buying this insurance should be the head of the family or one earning member of the Below Poverty Line (BPL) family or marginally above the poverty line under identified vocational group/rural landless households.

Central Government Health scheme

The Central Government Health Scheme (CGHS) is a healthcare facility available for the existing and former employees of the Central Government of India. The medical facilities are provided through Wellness centers (previously referred to as CGHS Dispensaries)/polyclinics under allopathic, Ayurveda, Yoga, Unani, Sidha, and Homeopathic systems of medicines.

All employees of the Central Government who receive wages from Central Civil Estimates, all their dependent family members who receive wages from Central Civil Estimates, and are residents of areas covered under CGHS Schemes.

Chief Minister’s Comprehensive insurance Scheme

This is a state government scheme promoted by Tamil Nadu Government. The Chief Minister Comprehensive Insurance Scheme is a family floater plan for quality health care where the coverage limits are applicable on a floater basis. Spouse, dependent parents, and dependents children can be covered under the floater plan cover. 1027 treatments, 154 follow up procedures are covered under the scheme.

One can claim for hospitalization expenses up to INR 5 lakhs under this scheme. People residing in Tamil Nadu earning a salary less than INR 75000 annually are eligible for this policy. The individual should be the resident of Tamil Nadu.

Employees State Insurance Scheme (ESIS)

Employees State Insurance Scheme is a self-financing social security and health insurance scheme for Indian Workers. The fund is managed by the Employees State Insurance Corporation according to rules and regulations stipulated in the ESI Act 1948 to protect against the impact of incidences of sickness, maternity, disablement due to employment injury and to provide medical care to the insured person and their families. Contributions are raised from covered employees and their employers as a fixed percentage of wages. The State Governments, as per the provisions of the Act, contribute 1/8th of the expenditure of medical benefit within a per capita ceiling of INR 1500 per person per annum

Pradhan Mantri Suraksha Bima Yojana

This scheme offers accident insurance. Anyone who is between the age of 18 to 70 years can avail the benefits of this scheme. In case you have multiple accounts in one or different banks, then you will be eligible to join the scheme through one bank account only. In the case of a joint account, all holders of the account can join the scheme. Even NRI’s are eligible, but if a claim rises the claim benefit will be paid to the beneficiary /nominee only in Indian Currency.

This policy offers an annual cover of INR 1 lakh for partial disability and INR 2 lakh of total disability at a premium of INR 12. The premium gets debited automatically from the insured person’s bank account in one installment on or before June 1 of every year. It’s a one-year accidental death and disability cover which can be renewed annually. This is for one year starting from June 1 to 31 May of the subsequent year.

Rashtryia Swashthya Bima Yojana

This scheme is directed towards people working in the unorganized sector. Often, they are not covered under any insurance policy. And in such a scenario, if they fall ill- which happens frequently – their savings get exhausted. Thus, they are never able to ensure their savings in their bank accounts. This is where Health insurance can prove helpful to them.

Rashtriya Swashthya Bima Yojana is initiated by the Indian Government’s Ministry of Labor and Employment for the Indian poor. Individual workers in the unorganized sector and below the poverty line are covered under this scheme. The cover also extends to their family (maximum of five members).

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