No Room Rent Capping | No Medical Check-up up to 55yrs | Tax Benefit up to 75k | Buy Health Insurance starting @ ₹244 pm

Overview of Government Health Insurance Schemes in India

In the year 2019 alone, estimates suggested that over 472 million people in India had opted for a multitude of health insurance schemes. While there exists a diverse range of private health insurance providers in the country, the Government of India has also initiated multiple publicly-funded health insurance schemes in the country, for the benefit of the masses. These government health insurance schemes in India are very affordable and can be accessed across all states in the country.

16 Government Health Insurance Schemes in India

When looking for public-funded health insurance schemes in India, you can choose from the following list of government health insurance schemes:

  • Pradhan Mantri Jan Arogya Yojana under Ayushman Bharat

The PM-JAY is an exclusive government health insurance policy, meant for those belonging to the lower socio-economic strata of society. Under this scheme, each household can make a claim for medical coverage, up to an amount of Rs. 5 Lakhs, at a premium of just Rs. 30 per annum. In addition to medical coverage, this scheme also accounts for the provision of 1.5 Lakh Health and Wellness Centres all across the country.

  • Awaz Health Insurance Scheme

Of the many health schemes in India, this scheme is one that was launched by the government of Kerala in 2017 with the intention of providing health insurance to inter-state labourers spread across the state. In addition to providing them with financial assistance in the case of medical emergencies, this scheme also offers a death benefit to the beneficiary’s nominees. Under this scheme, a policyholder can claim for medical expenses up to Rs. 15,000 and the death benefit provided amounts to Rs. 2 Lakhs and is applicable to all labourers between the ages of 18 and 60.

  • Bhamashah Swasthya Bima Yojana

Of the multitude of govt. health insurance schemes in India, this is one scheme that was initiated to offer health insurance coverage to the residents of the state of Rajasthan. Those individuals who qualify for benefits under the Rashtriya Swasthya Bima Yojana and the National Food Security Act are also eligible to claim benefits under this scheme.

  • Chief Minister’s Comprehensive Insurance Scheme

Of the many government insurance schemes in India, Chief Minister’s Comprehensive Insurance Scheme was initiated by the government of Tamil Nadu, in tandem with the United India Insurance Company, with the aim of providing a family floater medical insurance plan to the economically marginalised citizens of the state. Those citizens of the state with an annual income of less than Rs. 75,000 can make a claim for hospitalisation expenses of up to Rs. 5 Lakhs per annum, across specified government and private medical facilities in Tamil Nadu.

  • Aam Aadmi Bima Yojana

This scheme was launched to support employees engaged across 48 vocations, including carpentry, weaving, fishing, and so on. To be eligible for Aam Aadmi Bima scheme, you must be the breadwinner of your family, and if so, can make a claim amounting to Rs. 30,000 per annum, by paying a premium of just Rs. 200 per annum.

  • Central Government Health Scheme

Initiated by the Central government, this is a scheme reserved for central government employees. It offers benefits pertaining to hospitalisation, and domiciliary treatment – in addition to homeopathy and naturopathy expenses. At the moment, this Central Government Health Scheme is active in 71 cities across the country, with more to be added soon.

  • Karunya Health Scheme

Initiated by the government of Kerala, this scheme covers the cost of critical illness and is applicable to those hailing from the economically marginalised sections of society. To avail of this government mediclaim policy, citizens of the state must submit their Income Certificate and furnish their Aadhar card details.

  • Employees State Insurance Scheme

This government scheme is applicable to factory workers and is aimed at reducing the number of disabilities and deaths that occur at factories across the country. Initially only applicable to factories in Kanpur and Delhi, Employees State Insurance Scheme has now been extended to over 7 Lakh factories across the country.

  • Pradhan Mantri Suraksha Bima Yojana

The Central government launched this scheme with the aim of increasing the number of individuals in the country with medical insurance. Under this scheme, individuals with a partial disability can make a claim of up to Rs. 1 Lakh, while in the case of total disability or death, a claim of Rs. 2 Lakh can be filed. To be eligible for Pradhan Mantri Suraksha Bima Yojana, you must be between 18 and 70 years of age and must possess a savings account in any bank linked to this scheme. To avail of the benefits of this scheme, you must pay a premium of Rs. 12 per annum.

  • Mahatma Jyotiba Phule Jan Arogya Yojana

Mahatma Jyotiba Phule Jan Arogya Yojana was launched by the government of Maharashtra with the intention of providing health care coverage for those in the state that hail from economically weaker sections of society. Applicable to a select few districts in the state, policyholders can make a claim of up to Rs. 1.5 Lakhs for medical expenses pertaining to diseases, from day 1 of issuance of the policy.

  • Dr. YSR Aarogyasri Health Insurance Scheme

Launched by the government of Andhra Pradesh, Dr. YSR Aarogyasri Health Insurance Scheme is an umbrella plan that includes four varied policies. The first is meant for the benefit of the poor, the second for those above the poverty line, the third for journalists, and the fourth for state employees.

  • Mukhyamantri Amrutum Yojana

Launched by the Government of Gujarat in 2012, Mukhyamantri Amrutum Yojana aims to provide medical coverage to citizens in the state who belong to the lower middle class, or those who fall below the poverty line. As a segment of the family floater policy, beneficiaries can avail of a claim of up to Rs. 3 Lakhs, for treatment in a range of medical facilities such as public, private, and trust-based hospitals.

  • Rashtriya Swasthya Bima Yojana

Of the various government health schemes in India, Rashtriya Swasthya Bima Yojana one was launched by the Ministry of Labour and Employment, this scheme offers medical coverage to labourers and other individuals engaged in unorganised sectors and covers their families as well (up to 5 members).

  • West Bengal Health Scheme

Launched by the Government of West Bengal in 2008, West Bengal Health scheme offers medical coverage to state government employees. Under the aegis of this scheme, the employee and their family members are offered a medical coverage of up to Rs. 1 Lakh, which covers costs pertaining to OPD treatment, surgery, hospitalisation, and so on.

  • Universal Health Insurance Scheme

Launched by the Central government, this scheme offers medical coverage to those belonging to the economically weaker sections of society, between the ages of 5 and 70 years. This scheme covers costs pertaining to accidental disability, hospitalisation, and treatment, and is applicable to family members as well.

  • Yeshasvini Health Insurance Scheme

Launched by the Government of Karnataka, this Yeshasvini Health Insurance Scheme Aims to provide medical coverage to farmers across the state. The scheme covers expenses for over 800 medical procedures across a vast grid of network hospitals in Karnataka.

Features & Benefits

The features and benefits of government health insurance schemes in India are as listed below:

 

  • They offer medical coverage to those belonging to economically weaker sections of society at an affordable cost.

 

  • They ensure the inclusion of the poor in government health insurance policies.

 

  • They offer the advantage of cashless treatment for a range of diseases and critical illnesses.

 

  • They offer treatment facilities for the poor at both private and government-run hospitals.

Basic Health Insurance Plans Vs Government Health Insurance Schemes

The table below elucidates the difference between Basic Health Insurance Plans and Government Health Insurance Schemes:

 

Features

Basic Health Insurance

Government Health Insurance

Eligibility

Most individuals are eligible for basic health plans

Mostly available for those from lower income groups

Premium

Slightly higher premium

More affordable premium

Sum Insured

Upto Rs. 1 Crore

Upto RS. 5 Lakhs

Coverage

Enhanced coverage, with access to add-on covers

Coverage varies from plan to plan

Policy Purchase

Can be purchased online

Policy purchase can take some time

Network Hospitals

Wide chain of network hospitals available

Large number of private and public hospitals available

Ambulance Charges

Covered under most plans

Covered under some plans

Maternity Benefit

Available under some plans or as an add-on cover

May or may not be available

Private Hospital Room

Available based on the policy chosen

May or may not be available

Online Renewal

Can be renewed online

May or may not be available

Tax Benefits

Available under Section 80D of the Income Tax Act

Not available

Conclusion

The Government Health Insurance Schemes in India have been doled out to provide medical coverage to those hailing from economically weaker sections of society, and financially safeguard them from medical expenses pertaining to illness, disease, accident, and even death. However, with rapidly rising medical costs, having a health insurance policy is the need of the hour. To learn more about the various plans available, head on to Bajaj MARKETS now!

FAQs

  • ✔️How are the premiums for government health insurance schemes determined?

    The premiums for government health insurance schemes in India are determined on the basis of the number of individuals concerned. Certain schemes may also require you to pay a pre-determined sum as a premium, per year.

  • ✔️Are all government health insurance schemes in India backed by the Central government?

    While certain schemes are backed by the Central government, there are many that are backed by the state governments as well. 

  • ✔️What was the Mahatma Jyotiba Phule Jan Arogya Yojana formerly named?

    The Mahatma Jyotiba Phule Jan Arogya Yojana was formerly referred to as the Rajiv Gandhi Jeevandayee Arogya Yojana, up until 2017.

  • ✔️Can government health insurance schemes in India be purchased online?

    While some such schemes are enabled by direct bank debit facilities, not all of them can be purchased online. Carefully run through the list of health schemes in India for more details on the same.

  • ✔️What are the exclusions of government health insurance schemes in India?

    Generally, cosmetic procedures are not a part of Government insurance policies. Different plans might have different exceptions, therefore, it is advised to read the respective policy wordings carefully to know the exceptions and advantages of the health insurance scheme.

Happy Customers of Finserv MARKETS

Getting a loan to take care of my wedding and relieving my parents to enjoy the occasion was the best decision I ever made. Easy-to-apply, amazing interest rate and quick disbursal, what more can one ask for!

I am passionate about the vehicle I drive. I want to protect it with the best available option. What amazed me was the full transparency, quick quotes and the attractive discount on the premium while choosing the annual payment option!

Check your personal loan eligibility in seconds!

My husband and I will finally move into our own house this Diwali. All thanks to Bajaj Finserv, with competitive interest rates, minimal processing fees and easy to repay EMIs, our dream saw the light of reality in no time!

Get the best FD interest rates starting @ 8.40%. Let's start!

Kids grow up fast and to fulfill their dream trip to Disneyland I had everything but instant funds. With no collateral or guarantor required and a hassle-free processing, I gifted my family a memorable trip to Orlando with just a click!

Get sum insured up to 1 Crore! Let's start!

The best way to start looking for health insurance is to do a close study of the coverage needs and checking the insurance company's claim ratio. No unnecessary jargons, easy to apply claims process and choice of premia!

Zero additional charge on part-payment option on Business loans! Let's start!

I bought my first iPhone using my Bajaj Finserv EMI Network Card. Zero downpayment with a No cost EMI on Bajaj Finserv EMI store just made my day!

Get home loan sanctioned online in 72 hours! Let's start!