National Health Insurance Schemes in India

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.