Government Health Insurance Plans in India are the programs started by the public authority to give monetary assurance to residents during critical crossroads. Government health care coverage plans in India are typically supported through expenses and commitments from workers, businesses, or both, and are intended to give a wellbeing net to residents.
Rundown of Government Medical coverage Plans in India
While searching for public-subsidized medical coverage plans in India, you can browse the accompanying rundown of government health care coverage plans:
1. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
The PMJAY is an administration medical coverage conspire for people having a place with the lower financial layers of society. Under this plan, every family can get clinical service of up to ₹5 Lakh for auxiliary and tertiary hospitalization care. Besides, the public authority medical coverage conspire has no limitation on age, family size or orientation for recipients.
2. Awaz Health care coverage Plan
The Awaz Health care coverage Plan was sent off by the public authority of Kerala in 2017 fully intent on giving health care coverage to between state workers spread across the state. As well as furnishing them with monetary help with the instance of health-related crises, the plan additionally offers a coincidental passing advantage to the recipient’s chosen people. A policyholder can guarantee clinical costs of up to ₹15,000, while the demise benefit adds up to ₹2 Lakh, which is relevant to all workers between the ages of 18 and 60.
3. Bhamashah Swasthya Bima Yojana
Of the large number of government health care coverage plans in India, Bhamashah Swasthya Bima Yojana was started to offer protection inclusion to the occupants of Rajasthan. People who fit the bill for benefits under the Rashtriya Swasthya Bima Yojana and the Public Food Security Act are additionally qualified to guarantee benefits under the Bhamashah Swasthya Bima Yojana. Recipients can get up to ₹3 Lakh for basic infirmities and ₹30,000 for sicknesses.
4. Chief Minister’s Comprehensive Insurance Scheme
The Main Priest’s Complete Protection Plan was started by the public authority of Tamil Nadu to give a family floater clinical protection plan to the monetarily underestimated residents of the state. Residents of the state or Sri Lankan exiles holding citizenship confirmation can make a case for hospitalization costs of up to ₹5 Lakh per annum across empanelled government and confidential clinical offices in Tamil Nadu.
5. Aam Aadmi Bima Yojana
Aam Aadmi Bima Yojana was sent off to help representatives connected across 48 jobs, including carpentry, winding around, fishing, etc. To be qualified for the Aam Aadmi Bima insurance conspire, you should be the provider of your family and, assuming this is the case, can make a case adding up to ₹30,000 during the contract term by paying a charge of just ₹200 per annum.
6. Central Government Health Scheme
The Focal Government Wellbeing Plan is held for Focal Government workers. It offers benefits relating to hospitalization, and domiciliary treatment notwithstanding homeopathy and naturopathy costs. The recipients of the plan incorporate ward relatives living in regions covered under CGHS, retired people, Delhi police work force, political dissidents, and so forth.
7. Karunya Health Insurance Plan
Started by the Public authority of Kerala, this plan takes care of the expense of basic disease and is material to people from monetarily underestimated areas of society. Giving an insurance inclusion of ₹5 Lakh, the recipients need to pay an ostensible installment to get the advantages. To apply for this administration mediclaim strategy, residents of the state should present their Pay Declaration and outfit their Aadhaar card subtleties.
8. Workers State Protection Plan
Such an administration conspire is relevant to assembly line laborers and is pointed toward decreasing the quantity of incapacities and passings that happen at plants the nation over. At first, the wellbeing plan was simply relevant to production lines in Kanpur and Delhi, however the Workers State Protection Plan has now been stretched out to north of 7 Lakh processing plants the nation over.
9. Pradhan Mantri Suraksha Bima Yojana
The Focal Government sent off Pradhan Mantri Suraksha Bima Yojana determined to expand the quantity of people in the country with clinical protection. Under this plan, people with a halfway handicap can make a case of up to ₹1 Lakh, while on account of complete incapacity or demise, a case of ₹2 Lakh can be recorded. To be qualified for Pradhan Mantri Suraksha Bima Yojana, you should be somewhere in the range of 18 and 70 years old and should have an investment account in any bank connected to this plan.
10. Mahatma Jyotiba Phule Jan Arogya Yojana
The Public authority of Maharashtra sent off Mahatma Jyotiba Phule Jan Arogya Yojana to give medical care to the financially more fragile areas of society. Pertinent to a chosen handful locale in the state, policyholders can make a case of up to ₹1.5 Lakh for clinical costs for illnesses or sicknesses from the very first moment of issuance of the strategy.
11. Dr. YSR Aarogyasri Medical coverage Plan
Sent off by the public authority of Andhra Pradesh, Dr. YSR Aarogyasri Health care coverage Plan is an arrangement for low-pay families. The wellbeing plan gives various advantages to its recipients, like out-patient consideration, credit only clinical benefits, prior sickness inclusion, follow-up offices and that’s just the beginning.
12. Mukhyamantri Amrutum Yojana
Sent off by the public authority of Gujarat in 2012, Mukhyamantri Amrutum Yojana means to give clinical service to residents in the state who have a place with the lower working class or fall beneath the neediness line. As a section of the family floater strategy, recipients can apply for a case of up to ₹5 Lakh for therapy in a scope of clinical offices like public, private, and trust-based emergency clinics.
13. Rashtriya Swasthya Bima Yojana
Rashtriya Swasthya Bima Yojana is one of the different government wellbeing plans in India that was sent off by the Service of Work and Business. This plan offers clinical service to workers, and others participated in chaotic areas and covers their families too against wellbeing crises.
14. West Bengal Wellbeing Plan
Sent off by the public authority of West Bengal in 2008, West Bengal Wellbeing plan offers protection inclusion to State Government representatives. The representative and their relatives can get an aggregate protected of up to ₹1 Lakh, which covers costs relating to OPD treatment, medical procedure, hospitalization, etc.
15. General Medical coverage Plan
The General Medical Coverage Plan was sent off by the Focal Government and covers people between the ages of 5 and 70 years. Medical services costs relating to incidental inability, hospitalization, and therapy are concealed to ₹15,000, barring maternity costs.
16. Yeshasvini Medical coverage Plan
The Yeshasvini Medical coverage Plan was presented for the occupants of Karnataka in 2013. Laborers who have a place with the lower-endlessly centre pay gatherings of the casual area are covered under such an administration clinical protection plan.
17. Pradhan Mantri Atmanirbhar Swasth Bharat Yojana (PMASBY)
The Pradhan Mantri Atmanirbhar Swasth Bharat Yojana expects to make an IT-empowered illness observation organization to overcome any issues in open medical care offices. Such an administration clinical protection plot was first reported in February 2021 in Parliament. The plan will uphold around 17,788 existing provincial wellbeing and health focuses and set up 11,024 such focuses in metropolitan regions.
18. Telangana State Government – Representatives and Writers Wellbeing Plan
The Workers and Writers Wellbeing Plan was sent off by the Aarogyasri Medical care Trust to serve government representatives, columnists, retired people, and ward relatives. Policyholders can get credit only medical services offices at network clinics without stressing over inclusion as the plan has no furthest breaking point with regards to the aggregate protected sum.
19. Mukhyamantri Chiranjeevi Yojana
Acquainted with give reasonable medical services to the financially more fragile areas of society, the Mukhyamantri Chiranjeevi Yojana was sent off by the Main Pastor of Rajasthan. Offering insurance inclusion of ₹5 Lakh and 1,576 clinical medicines, the Chiranjeevi Yojana covers significant diseases at an ostensible installment cost of ₹850.
20. Swasthya Sathi Plan
The Swasthya Sathi Plan was presented on December 30, 2016, by the Main Priest of West Bengal. Giving a fundamental health care coverage inclusion of ₹5 Lakh per family, the public authority health care coverage plans empower policyholders to look for credit only hospitalization. The Swasthya Sathi Plan doesn’t expect recipients to make any monetary commitments toward the insurance contract.
Highlights and Advantages
The highlights and advantages of government medical coverage plans in India are as recorded underneath:
• They offer clinical service to those having a place with financially more vulnerable segments of society at a reasonable expense.
• They guarantee the consideration of the poor in government medical coverage arrangements.
• They offer the benefit of credit only treatment for a scope of sicknesses and basic diseases.
• They offer treatment offices for the poor at both private and government-run medical clinics.
Basic Health Insurance Plans Vs Government Health Insurance Schemes
The table below express the difference between 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 than basic health insurance |
| Sum Insured | Up to ₹1 Crore | Up to ₹5 Lakh |
| Coverage | Enhanced coverage, with access to add-on covers and customisation | Health Insurance Coverage varies from plan to plan |
| Policy Purchase | The plan can be purchased online anytime | Health Insurance Policy purchase can take some time |
| Network Hospitals | A wide number of network hospitals is available | A large chain of private and public hospitals is 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 in Health Insurance Plan |
| Private Hospital Room | Available based on the policy chosen | May or may not be available |
| Online Renewal | It can be renewed online | May not be possible to renew the plan online |
| Tax Benefits | Available under Section 80D of the Income Tax Act, 1961. | Not available in Government Health Insurance |
Conclusion
The Public authority Health care coverage Plans in India give clinical service to those from the monetarily more fragile areas of society and monetarily protect them against clinical consideration costs. Nonetheless, with quickly rising clinical expenses, having broad inclusion against rising medical services expansion is an unquestionable requirement.