15 Best Government Health Insurance Schemes in India (Govt,Bima Yojna)

 Government Health Insurance Schemes in India

(Government Health Insurance, Health Insurance Schemes, India, Ayushman Bharat Yojana, Pradhan Mantri Suraksha Bima Yojana, Aam Aadmi Bima Yojana, Central Government Health Scheme, Employment State Insurance Scheme, Janshree Bima Yojana, Chief Minister’s Comprehensive Insurance Scheme, Universal Health Insurance Scheme, Mahatma Jyotiba Phule Jan Arogya Yojana, Mukhyamantri Amrutam Yojana, Health Coverage, Affordable Health Insurance, Social Security, Public Health Insurance, Medical Insurance, Poor Families, Family Floater Policy, Medical Expenses, Online Enrollment, Policy Benefits, Tax Benefits).

Introduction

Governments worldwide are committed to providing quality healthcare to their citizens, and the Indian Government is no exception. It implements various measures to ensure the welfare of the people, including creating awareness about medical issues, establishing adequate healthcare infrastructure, and promoting health insurance facilities.

Government Health Insurance Schemes are essential components of this effort, designed to offer affordable health coverage. These policies are generally available on a yearly basis and are powered by either the Central or State Government.

Let's compare Regular Health Insurance Plans with Government Health Insurance Schemes:

Features:

• Basic Health Insurance:

• Available to all sections of society.

• Offers a broader coverage.

• Maximum sum insured of up to Rs 1 crore.

• Premium starts at Rs 200 per month (plan-dependent).

• Policy can be purchased instantly.

• Wide network of empanelled private hospitals.

• Maternity benefits may be available (depending on the plan).

• Ambulance charges covered under most plans.

• Domiciliary hospitalization cover available (plan-dependent).

• Can be renewed online.

• Offers tax benefits under Income Tax Act 1961.

• Government Health Insurance Scheme:

• Available to lower-income groups only.

• Offers a narrow coverage.

• Maximum sum insured of up to Rs 5 lakh.

• Premium starts at Rs 100 per month (plan-dependent) or fully paid by the government.

• Policy purchase may take time.

• A large number of public and private network hospitals.

• Maternity benefits available only for a single child under some cases (plan-dependent).

• Ambulance charges available under a few plans.

• Domiciliary hospitalization cover not available.

• Renewal may or may not be possible online.

• No cumulative bonus available.

• Health check-up not covered.

• Monthly premium installment facility not available.

• Tax benefits not available.

Types of Government Health Insurance Schemes:

• Ayushman Bharat Yojana:

• A universal health insurance scheme by the Ministry of Health and Family Welfare, Government of India.

• Provides free healthcare services to over 40% of the country's population.

• Offers a health cover of Rs 5 lakh, including medicines, diagnostics, medical treatment, and pre-hospitalization costs.

• Pradhan Mantri Suraksha Bima Yojana:

• Aims to provide accident insurance cover to individuals between 18 to 70 years with a bank account.

• Offers an annual cover of Rs 2 lakh for total disability and death and Rs 1 lakh for partial disability.

• Aam Aadmi Bima Yojana (AABY):

• Covers individuals aged 18 to 59 years, including landless citizens in urban and rural areas.

• Provides benefits like scholarships to underprivileged children and compensation in case of natural death or permanent disability.

• Central Government Health Scheme (CGHS):

• Started in 1954, offers comprehensive healthcare facilities for central government officials and pensioners residing in cities.

• Employment State Insurance Scheme:

• Provides social security and socio-economic protection to all workers in India and their dependents.

• Janshree Bima Yojana:

• Designed for individuals in the poor category aged between 18-59 years with various occupational groups under the scheme.

• Chief Minister’s Comprehensive Insurance Scheme:

• A Tamil Nadu state government scheme offering a family floater policy providing quality healthcare services.

• Universal Health Insurance Scheme (UHIS):

• Implemented to help families living below the poverty line, covering medical expenses and providing cash benefits during distress.

• Mahatma Jyotiba Phule Jan Arogya Yojana:

• Introduced by the Government of Maharashtra for below the poverty line residents, offering a family health cover of up to Rs 1.5 lakh.

• Mukhyamantri Amrutam Yojana:

• Initiated by the Gujarat government, provides a family floater health insurance policy with coverage up to Rs 3 lakh.

Features and Benefits of Government Health Insurance Schemes:

• Affordable pricing for BPL families to access insurance benefits.

• Coverage for poor people, including treatment at private and government hospitals.

• Different schemes cater to various sections of society based on income levels.

• Some policies provide cash benefits during illness or disability.

• Certain schemes have no waiting period for claimable benefits.

• Enrolment eligibility and coverage may vary for different schemes.

FAQs:

Q1. Why are government health insurance schemes launched? Government health insurance schemes are launched to provide medical insurance benefits to citizens at a minimal cost, promoting better healthcare access.

Q2. Is there an eligibility criterion to buy these schemes? Eligibility criteria differ for various health plans, and applicants must provide necessary documents for enrollment.

Q3. Are there any limitations in Government Health Insurance Schemes? Government insurance policies typically exclude coverage for cosmetic procedures, but specific policy exceptions may vary.

Q4. Are all government schemes initiated by the Central Government? No, State Governments also offer dedicated health insurance schemes or mediclaim policies.

Q5. Can you buy Government health insurance schemes online in India? Not all government medical schemes can be purchased online, while some allow direct bank debit facility.

Q6. What is the sum insured in Government medical insurance schemes? The coverage amount varies across different health insurance schemes, usually being lower than private insurance companies.

Q7. Is PMJAY the same as Ayushman Bharat Yojana? Yes, PMJAY and Ayushman Bharat Yojana are the same, initiated by the Narendra Modi Government, offering a health cover of Rs 5 Lakh at a premium of Rs 30.

Q8. Can I use my Aadhaar card to buy a Government Health Insurance Scheme? Aadhaar card, along with other specific documents, can be used as identity proof for enrollment in state/national health schemes

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