Government Health Insurance Schemes in India

Top Government Health Insurance Schemes in India

Health Insurance

The government of India aims to provide good quality healthcare services to the people. Many schemes have been launched in recent times to ensure the lowest strata of society are not deprived of quality healthcare facilities. These schemes include increasing awareness about different medical conditions, free health checkups, and treatment at top hospitals. The government also provides affordable health insurance schemes to ensure marginalized people can also take advantage of these schemes. Would you like to know the top health insurance schemes offered by the government? Here is a list of the top government health insurance schemes in India.

Ayushman Bharat Yojana

Ayushman Bharat is a popular healthcare scheme by the ministry of health and family welfare, the government of India. Under this scheme, a person can get health coverage of up to Rs. 5 lakhs for the treatment of critical diseases. It includes the expenses of medicines, diagnostic, treatment, pre, and post-hospitalization expenditures. The scheme is launched to provide free treatment to poor people. Currently, the program covers about 40% of the country’s population, but the government aims to bring all the poor people under this scheme.

Policy Coverage, Benefits, and Features

  • This policy is for the lower middle class and the people living below the poverty line
  • Provides coverage of Rs. 5 lakhs
  • Priority is given to the girl child, women, and senior citizens
  • This scheme is available for secondary and tertiary healthcare services
  • Cashless and paperless registration

Pradhan Mantri Suraksh Bima Yojana

This scheme aims to provide accident insurance coverage to people from 18 to 70 years of age. It provides a coverage of Rs. 2 lakhs for permanent disability and Rs. 1 lakh for partial disability. The scheme is open for all irrespective of the rural or urban residents. The policy premium is affordable and poor people can also afford it. The premium amount is debited automatically every year.

Policy Coverage, Benefits, and Features

  • It costs only Rs. 12 to purchase this policy
  • Coverage of Rs. 2 lakhs for permanent disability and Rs. 1 lakh for partial disability
  • In case of death, the nominee gets the money
  • Premium is auto-debited from the policyholder’s bank account
  • You can discontinue the policy anytime

Employment State Insurance Scheme

This scheme is launched to provide socio-economic protection to the workers in India. The scheme provides free medical facilities to the workers and their families. It is aimed at providing health benefits to the basic workers who earn below Rs 21000 per month (Rs.25,000/- per month in the case of Persons with Disability). It includes cash benefits at the time of distress, free treatment for various diseases, and monthly pension to the women who don’t have any dependents and lost the capacity to earn.

Policy Coverage, Benefits, and Features

Workers in non-seasonal factories with more than ten employees are eligible for this scheme

The wages of the person should not exceed Rs. 21000

Cashless treatment for secondary and tertiary medical conditions

The scheme has been implemented throughout the country except for Arunachal Pradesh and Manipur

Chief Minister’s Comprehensive Insurance Scheme

It is a Tamilnadu government health insurance scheme that aims to provide healthcare services to the citizens of Tamilnadu. This scheme has been launched in collaboration with the United India Insurance Ltd. Under this scheme, you can get health insurance for the whole family. It covers almost every medical condition. The insured person can get insurance coverage of up to Rs. 5 lakh that includes medical expenses on hospitalization. The beneficiary has the option to choose from the government as well as private hospitals. It is open to people with annual earnings of less than Rs. 75000.

Policy Coverage, Benefits, and Features

  • Each beneficiary household can receive a sum assured of Rs. one lakh for a period of 4 years. The total sum assured is four lakhs.
  • The beneficiary can choose from more than 250 hospitals that include government and private hospitals.
  • The expenses of medical tests are also covered under this policy.
  • Cities like Chennai, Coimbatore, and Madurai have the maximum number of hospitals.
  • For certain medical conditions, the maximum coverage is 1.5 lakhs.

Mukhyamantri Amrutum Yojana

This health insurance scheme was launched by the Gujarat government in 2012 to provide affordable healthcare facilities to the people belonging to the lower middle class and below the poverty line. The scheme provides health insurance to every member of the family. The beneficiary can get health coverage of Rs. 3 lakh. You can choose a government or a private hospital or hospitals under some trust.

Policy Coverage, Benefits, and Features

  • This scheme is absolutely free. The government pays the premium.
  • ASHA workers helping poor people gets an incentive of Rs. 100 for helping each family.
  • The beneficiary can choose between private and government hospitals.
  • Complete paperless process for enrollment and making the claim.

Universal Health Insurance Scheme

It is another affordable healthcare scheme under the government of India. Every Indian citizen between the age of 5 and 70 can take the benefit from this health insurance scheme. It is open to the people living below the poverty line. The scheme covers hospitalization and accidental disability. The policy premium varies depending on the number of family members covered under the scheme.

Policy Coverage, Benefits, and Features

  • In the case of the main policyholder, the family gets a one-time benefit of Rs. 25000.
  • Every family is entitled to get a benefit of Rs. 30000 on hospitalization of the insured person.
  • Individuals and groups both are eligible for this scheme.
  • One person can’t be enrolled under multiple group health schemes.

The expenses for secondary and tertiary healthcare have become expensive these days. So, getting health insurance has become essential. Everyone may not be able to afford private health insurance policies. However, you don’t have to worry. The central and state governments have launched many schemes that are meant for the lower middle class and people living below the poverty line. If you are looking for an affordable health insurance policy, you can consider the top government health insurance schemes in India. We have listed the most affordable and popular policies that can benefit you and your family in case of a critical medical condition. Get insured at very little or no expense and secure your family.