National Health Insurance
Schemes in India
The government of every nation is working towards providing adequate
healthcare to its citizens. They take measures for the welfare of the people
from time to time. It includes ensuring adapting infrastructure, spreading
awareness about medical issues, and promoting health insurance facilities. The
government of India also takes such measures and provides the Central
Government Health Scheme offers.
Central Government Health Scheme offers
1. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana: Ayushman Bharat Pradhan Mantri Jan Arogya Yojana is a universal
health insurance scheme by Ministry of Health and Family Welfare, Government of
India. It was launched to provide free access to healthcare for 40% of people
in the country. The scheme offers health cover of Rs. 5 lack and aims to
provide healthcare facilities to over ten crore families covering urban and
rural poor.
2. Pradhan Mantri Suraksha Bima Yojana: Pradhan Mantri Suraksha Bima Yojana was launched in February
2015. It is an accident insurance scheme for people in the age group of Pradhan
Mantri Suraksha Bima Yojana. The scheme provides annual cover of Rs. 2 lakh for
Pradhan Mantri Suraksha Bima Yojana. The premium of the policy is automatically
deducted from the policyholder’s bank account. It has an annual premium of Rs.
12 exclusives of taxes.
3 Aam Aadmi Bima Yojana: Aam
Aadmi Bima Yojana was launched on 2nd October 2007 rural landless household. It
covers the individual from the age of 18 years to 59 years. The premium of Rs.
200/- per person is shared equally by the Central Government and the State
Government. The head of the family or the one earning member in the family of
such a household is covered under the scheme. It also includes giving
scholarships to in the family of such a household is covered under the scheme.
Upon the natural death, the family is compensated with Rs. 30,000 and if the
death is caused by in the family of such a household is covered under the
scheme.
4. Central Government Health Scheme: Central Government Health Scheme
(CGHS) was started in 1954, and provides comprehensive health care facilities
for the Central Govt. employees and pensioners and their dependents. The person
covered under this scheme is required to be residing in India. The medical
facilities are provided through Wellness Centres (previously referred to as
CGHS Dispensaries) /polyclinics under Allopathic, Ayurveda, Yoga,
Unani, Sidha and Homeopathic systems of medicines.
5. Employment State Insurance Scheme: Employment State Insurance
Scheme is a multidimensional scheme which provides socio-economic protection to
worker population and their dependents. This insurance scheme commences from
day one socio-economic protection to worker population and their dependents.
The workers are covered under this scheme and socio-economic protection to
worker population and their dependents, including cash in physical distress
such as sickness or even when the worker is permanently or temporarily
disabled.
Besides, if any woman who has lost the capacity to earn or
socio-economic protection to worker population and their dependants, they are
entitled to a monthly pension under this scheme known as dependants benefits.
But this scheme does not apply to each and every worker of the
company. It applies to only to all permanent members of factories with more
than ten employees. The scheme is recently extended to various businesses such
as shops, road and motor transport, restaurants, and newspaper entities that
employ more than 20 people.
6. Janashree Bima Yojana: Janashree Bima Yojana was launched on 10th
August 2000. The scheme replaced the Rural Group Life Insurance Scheme and
Social Security Group Insurance Scheme. It covers individuals within the age
group of 18 to 59 years. The scheme includes special features like Shiksha
Sahyog Yojana and Women SHG Groups. Persons between 18 and 59 years and who are
the members of the identified 45 occupational groups are eligible to be covered
under the scheme.
7. Universal Health Insurance
Scheme: Universal Health Insurance Scheme is implemented to help those families
who live below the poverty line. The scheme covers the medical expenses of each
and every member of the family. It provides reimbursement of medical expenses
up to Rs.30,000/- towards hospitalization floated amongst the entire family.
Rs.25,000/- is provided in case of death due to an accident of head of the
family and compensation due to loss of earning of the earning member Rs.50/-
per day up to a maximum of 15 days.
8. Rashtiya Swasthiya Bima Yojana: Rashtriya Swasthiya Bima Yojana was launched on 1st April 2008 by
Ministry of Labour and Employment, Government of India to provide health
insurance coverage for Below Poverty Line (BPL) families. People covered under
this scheme gets hospitalization coverage up to Rs. 30,000/- for most of the
diseases that require hospitalization. Coverage of this scheme extends to five
family members, including the head of household, spouse, and up to three
dependents. The registration fees to be paid by the beneficiaries is Rs. 30/-
while Central and State Government pay the premium to the insurer selected by
the State Government on the basis of competitive bidding.