Types Of Government Health Insurance Schemes In India


Each legislature of India has a duty towards its residents to give moderate and available medical services to whoever requires it. Also, to make this potential, governments dispatch a wide range of medical coverage benefits so the regular resident can utilize these offices when they need it the most. Correspondingly, the Indian government has likewise dispatched an assortment of medical coverage conspires that have low expenses and offer a noteworthy whole guaranteed in the want to make great medical care accessible to all

Government health schemes

An administration medical coverage plot is a medical coverage strategy supported by a state or the focal government. The point of such plans is to offer moderate medical coverage to the average person and improve medical services offices in various layers of society.

Let us investigate 16 diverse medical coverage plans accessible in India today.


1) Aam Aadmi Bima Yojana

The Aam Aadmi Bima Yojana is a security conspires that gives advantages to low pay people if there should arise an occurrence of death or inability. The plan is focused at individuals working in 48 explicit occupations like carpentry, handloom weaving, fishing, shoemakers, auto drivers and so forth.

For a premium of Rs. 300 every year, the plan guarantees a guaranteed aggregate of Rs. 30,000 after regular passing, and Rs. 75,000 if there should arise an occurrence of unplanned passing of the policyholder. Just an acquiring part or top of the family can be guaranteed under this plan.

2) Ayushman Bharat Scheme 

The Ayushman Bharat Scheme is a medical coverage conspire intended to bind together the divided wellbeing area in India. It includes two components: Health and Wellness Centers (HWC) and the Pradhan Mantri Jan Arogya Yojana (PM-JAY). The Health and Wellness Centers should be better evolved variants of Primary Healthcare Centers

The PM-JAY conspire is a medical coverage plot that offers Rs. 5 lakh as the whole guaranteed per family with a premium of Rs, 30.

3) Awaz Health Insurance Scheme

The Awaz Health Insurance Scheme was presented in the territory of Kerala and focused at traveller labourers. It offers workers in Kerala a medical coverage plan with a protected aggregate of Rs. 15,000. It likewise gives a demise advantage of Rs. 2 Lakh if there should be an occurrence of death of the policyholder.

The arrangement can be gotten by workers somewhere in the range of 18 and 60 years old, who will be given an Awaz Health Insurance Card after appropriate confirmation.

4) Central Government Health Scheme (CGHS)

The Central Government Health Scheme is a sort of wellbeing plan gave by the Central Government of India. Just Central Government workers are qualified for this arrangement. These incorporate Supreme Court judges, Central Railway Board workers, and so on.

The CGHS plot has been around for over sixty years and spreads hospitalization costs for policyholders. Elective medication like Ayurveda and homeopathy are likewise secured under this plan.

5) Chief Minister's Comprehensive Insurance Scheme

This state government conspire has been advanced by the legislature of Tamil Nadu for individuals living in the express that are gaining under 75000 for each annum. Clinical costs upto Rs. 5 lakh can be asserted utilizing this plan, and numerous private just as government medical clinics are an aspect of this plan. It is essentially a family floater plan by the legislature, in relationship with the United India Insurance Company.

6) Bhamashah Swasthya Bima Yojana

The BSBY conspire is a protection activity by the administration of Rajasthan. It covers hospitalization costs as credit only cases for general just as basic diseases. Individuals of any age are qualified for this plan and it covers both in-persistent just as out-tolerant costs.

7) Employees State Insurance Scheme

After India procured autonomy, a large number of Indians were utilized at production lines. During this time the working conditions lead to numerous mishaps and passing’s at these plants. Hence, the Employees State Insurance was presented in 1952 which secured labourers monetarily if there should be an occurrence of ailment, handicap or demise.

8) Karunya Health Scheme

The Kerala Government dispatched this plan in 2012 and it gives medical coverage to certain recorded constant conditions. It is fundamentally a basic ailment strategy for the helpless that plans to cover kidney issues, heart problems, disease, and so on.

Individuals close or underneath the destitution line are qualified for this plan on outfitting vaid Aadhar Card and salary declaration.

9) Mahatma Jyotiba Phule Jan Arogya Yojana

The Government of Maharashtra was the one to start this medical coverage strategy to support Maharashtrian individuals around or beneath the neediness line. It was focused on basically at ranchers in Maharashtra. The strategy offers a family front of upto Rs. 1.5 lakh for treatment of recorded maladies. An extraordinary point about this approach is that it doesn't have a holding up period, and the advantage can be asserted from the primary day itself, except if explicitly referenced in the provisions of the strategy.

10) Mukhyamantri Amrutam Yojana

The Gujarat government started the Mukhyamantri Amrutam Yojana in the year 2012 to serve the poor in the territory of Gujarat. Individuals under the destitution line and lower working class families are qualified for the plan. This plan is essentially a family floater health care coverage plan that offers an inclusion of upto Rs. 3 lakh for every family. The safeguarded can benefit treatment from government medical clinics, private emergency clinics just as trust-run clinics

 11) Pradhan Mantri Suraksha Bima Yojana

This approach was dispatched in 2016, after it was assessed that lone 20% of the Indian populace had protection inclusion for mishaps. Anyone between 18 to 70 years old and having a financial balance is qualified for this approach.

The guaranteed entirety offered in this plan is Rs. 1 lakh for fractional inability and Rs. 2 lakh for absolute inability and demise because of mishap. The premium for this plan is Rs. 12 every year with the office of auto-charge from the ledger.

12) Telangana State Government – Employees and Journalists Health Scheme

This specific plan has been made accessible by the Telangana government to serve its representatives and columnists. The wellbeing plan is a credit only protection conspire that can be utilized by current workers of the legislature just as retirees and beneficiaries.

13) Rashtriya Swasthya Bima Yojana

The Rashtriya Swasthya Bima Yojana was acquainted by the Indian government with guarantee that individuals working in the sloppy area, similar to labourers and workers, approached a decent medical care plan. The vast majority of them don't have any protection and if there should be an occurrence of hospitalization they need to pay the costs out of their pocket.

To assist them with getting great medical services, the Ministry of Labor and Employment dispatched the plan that covers workers and their families.

14) Universal Health Insurance Scheme

This plan was started by the Indian government to give all inclusive medical care to people beneath the destitution line and their families. It's point was to make general medical care available to these individuals.

The plan covers hospitalization, mishap just as handicap for qualified people between 5 to 70 years old. Both individual and gathering protection strategies can be benefited utilizing this plan.

15) Yeshasvini Health Insurance Scheme

The Yeshasvini Health Insurance Scheme is a medical coverage plan concocted by the Karnataka government so as to give medical care to ranchers and workers related with co-usable social orders. Upwards of 800 clinical techniques are secured under this approach and that incorporates orthopaedics, Angioplasty, Neurology and so on.

Advantages of the plan can be used through organization emergency clinics by policyholders and their families.

16) West Bengal Health Scheme

The plan was reported by the administration of West Bengal in 2008, and it pointed toward giving medical services to the administration's workers and retired people.

It covers people just as their families with a protected total of Rs. 1 lakh. Inclusion is offered for OPD and medical procedures however bar corrective medical procedures and non-crisis methodology.

What are the benefits of Government health insurance plans?

·         Plans have exceptionally low charges for a sizeable advantage.

·         Ensures that individuals underneath the destitution line have a medical care framework set up.

·         Encourages low salary bunch people to put resources into medical coverage. 


a)      What is the idea of incomplete inability secured under Aam Aadmi Bima Yojana?

Loss of eyes and appendages is secured under fractional incapacity for Aam Aadmi Bima Yojana. An individual with an incomplete incapacity might have the option to do day by day exercises or work to gain a living.

b)     What is the function of the Social Security Fund corresponding to AABY?

The premium of AABY is truly moderate. This is on the grounds that half of the top notch sum is being sponsored to the individuals from the plan from the Social Security Fund. Subsequently, the Social Security Fund assumes a significant part regarding Aam Aadmi Bima Yojana.

c)      For what reason are the individuals' NEFT subtleties needed at the hour of enlistment of AABY?

Individuals' NEFT subtleties are needed at the hour of enlistment in light of the fact that these subtleties will be utilized if there should arise an occurrence of a case. This makes the case cycle quicker and simpler for both – the back- up plan just as the safeguarded.

d)     What are the offices accessible under CGHS

 1. OPD Treatment at WCs including issue of prescriptions.

 2. Master Consultation at Polyclinic/Govt. Clinics and at CGHS empanelled clinics after reference by CGHS.

 3. OPD/Indoor Treatment at Government and Empanelled Hospitals.

 4. Investigations at Government and Empanelled Diagnostic centers.

 5. Credit only office accessible for treatment in empanelled medical clinics and diagnostic centers for Pensioners and other identified beneficiaries.

 6. Repayment of costs for treatment profited in Govt. /Private Clinics under crisis and explicit treatment prompted by Govt. Master or Specialist of Pvt. HCOs appropriately embraced by CMO/MO of WCs.

 7. Repayment of costs brought about for acquisition of listening devices, counterfeit appendages, apparatuses and so forth, in the wake of acquiring authorization.

 8. Family Welfare, Maternity and Child Health Services.

 9. Clinical meeting and administering of meds in Ayurveda, Homeopathy, Unani and Siddha system of medicines (AYUSH)

 e)      What is the function of a recipient in giving data with respect to any change in information with respect to his card?

 It is the obligation of the recipient to give data to CGHS specialists with respect to any progressions needed in the recipient information base particularly identified with death, marriage, acquiring status (see reliance models) of any card holder in the family.

 f)       Are step-youngsters permitted CGHS offices?

 Indeed, in the event that they are reliant on card holder and different conditions being satisfied as in the event of dependent children and little girls.

 g)      Can subordinate parents in law be incorporated under relatives for CGHS offices

 A woman Government worker has the choice to incorporate either her folks or guardians – in-law to profit the advantages under CGH


h)     What is the methodology to enrol with the CGHS?


One can get a CGHS card produced using the workplace of Additional Director of the

City. Structures can be downloaded from CGHS Website. They are likewise accessible in the workplace of Additional Director of city (Additional Director Headquarter if there should be an occurrence of Delhi).

Documents required for the schemes:

1. Application in prescribed format

 2. Verification of living arrangement

 3. Verification of stay of dependents

 4. Confirmation old enough of son

 5. Inability endorsement, if any in the event of children matured 25 and above, who would somehow stop to be a recipient.

 6. Singular identification size photographs of qualified family members

 7. Give up Certificate of CGHS Card while in administration ( just in those situations where CGHS Card was given while in service)

 8. Authenticated duplicates of PPO and Last Pay Certificate

 9. Draft for required sum towards CGHS commitment – in the name of „P.A.O., CGHS New Delhi‟ in Delhi and for the sake of Additional Director, CGHS' of the city.

  i)       Would i be able to print my own CGHS card?

 Indeed, the office to print your own card is accessible for CGHS recipients by visiting CGHS entryway cghs.nic.in. A hued print out on the card might be taken and overlaid for use as a plastic card. The administrations can likewise be profited by demonstrating the printout of list card is given on the day the application is submitted.

Nonetheless, electronic printout of list card is given around the same time.

As a rule, it takes 3 to about a month for the plastic card to be made after which it is conveyed to the Wellness Center, for assortment by recipients


In this way, there are a plenty of various medical coverage choices accessible for individuals beneath the destitution line from the administration. They can use these plans for the improvement of their wellbeing and benefit as much as possible from them.

 What is the role of a beneficiary in providing information regarding any

change in data regarding his card?

It is the responsibility of the beneficiary to provide information to CGHS

authorities regarding any changes required in the beneficiary database

especially related to death, marriage, earning status (see dependency

criteria) of any card holder in the family.

 Are step-children allowed CGHS facilities?

Yes, if they are dependent on card holder and other conditions being

fulfilled as in case of dependant sons and daughters.

13. Can dependent in-laws be included under family members for CGHS facilities

A lady Government servant has the option to include either her parents or

parents –in-law for the purpose of availing the benefits under CGH

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