Health insurance by the government

Health insurance by government

In India, different types of health insurance by the government have been launched. These insurance policies have been sponsored by either the state government or the central government. The premium for these policies is generally low or no premium so that it can be available to all people across India.

The main aim of such a scheme is to offer affordable health insurance to the common man resulting in improving health care facilities in India.

Lists of government health insurance in India

1-Ayushman Bharat Scheme

This scheme is a national health protection scheme.Under this scheme 10 crores of poor and vulnerable families are covered.It is providing coverage up to 5 lakhs per family including hospital expenses.

Cashless facilities are provided to the insured members and it’s based on family floater basic. any number of family members can be covered under this scheme. A health card is issued by the government to the insured ones and this card has to be shown at the time of hospitalization.

2-Rashtriya Swasthya Bima Yojana

This was introduced by the central government body MInistry of labour and employment to insured the workers, labourers and their families from the unorganized sector. Most of them don’t have any insurance and the burden will be very high for them in case they hospitalized.

3-Aam Aadmi Bima yojna

It is a social security scheme for rural households who don’t have was launched on 2nd october 2007.

The details of this scheme are as follows

  • One family member is covered either an earning member or head of the family.
  • The premium of 200 per year is shared equally by the state and central government.
  • Under this yojna age between 18 to 59 years are covered.
  • In the case of the natural death benefit of Rs 30000 is paid. Death due to accident or permanent disability due to an accident Rs 75000 is paid. In case of partial permanent disability due to an accident Rs, 37500 is paid.
  • A free add-on benefit is also available for the children’s scholarship under this yojana.
  • Lic is responsible for maintaining the fund.

4-Universal Health Insurance Scheme

This scheme is offered by the four public sector insurance companies. This scheme is basically designed for BPL(below poverty line) families.

The details are as mentioned below

Scheme CriteriaBenefit
Hospitalization/ReimbursementUp to Rs 30000
Death cover due to an accidentRs 25000
Compensation due to loss of earningRs 50 per day for a maximum of 15 days
Premium subsidy for Individual, a family of 5 members, and 7 membersRs 200,Rs 300 and Rs 400

5-Central Government Health Scheme

The scheme covers employees, pensioners, and dependents of the central government. The central government health scheme is available in 71 Indian cities. The coverage is extensive and includes allopathy in hospitalization, domicile care, counseling facilities, health education, etc. as well as non-allopathic AYUSH treatment.

6-Employment state health insurance

This insurance scheme covers the workers and their dependents.It includes full medical care for the self and their dependents from day one the person is insured employment.

Coverage details as mentioned below

  • Coverage is provided for self and dependents
  • The Act applies to non-seasonal factories that employ 10 or more persons.
  • Dependents of the insured who are killed in industrial accidents or due to employment injury or occupational hazard are entitled to a monthly pension called dependent benefits.

7-West Bengal Health Scheme

This scheme has been launched by the government of west Bengal for its employees. Employees of West Bengal government pensioners, IAS (Indian Administrative Service), IFS (Indian Forest Service), IPS (Indian Police Service) and retired AIS officer employees can get coverage under this scheme.

It included the coverage up to 1 lakh to the individual and their families. This scheme was renamed to “West Bengal Health for All Employees and Pensioners Cashless Medical Treatment Scheme 2014 ”.

8-Awaj Health Insurance Scheme

This specific scheme has been launched by the Kerala government for the migrant workers who are working in Kerala. The coverage limit is Rs 15000 for hospitalization expenses, Rs1 lakh for accidental permanent disablement, and Rs 2 lakh for accidental death. It is available for the workers between the ages of 18 to 60 years.

9-Yeshavini Health Insurance Scheme

This insurance scheme has been launched by the Karnataka government. It mainly covers the informal sectors,lower-income, farmers, and middle-income groups of Karnataka. It provides medical facilities at affordable cost with the help of cooperative societies. Farmers who are members of rural co-operative society are covered under this scheme and covered farmers have to contribute to the scheme. The amount is Rs 250 for Rural and Rs 710 for urban Yeshavini.

10-Mukhyamantri Amrutam Yojana

This Yojna has been introduced by the Government of Gujarat in 2012 to provide financial assistance to those who are below the poverty line.later it was extended to middle-class families as well. After hospitalization, a person is provided with coverage along with the cost of treatment as well as the medical condition. The scheme is a family floater health insurance plan that offers coverage up to Rs. 3 lakhs per family.

Advantage of Government insurance schemes

  • All schemes are of very low premium or with no premium which is very reasonable and affordable for all groups of people.
  • It covers people below the poverty line which helps to improve healthcare facilities.
  • It also encourages people to invest in health insurance for the safety of them and their families.


There is numerous government health insurance plan available for the people living below the poverty line with a low premium. They can utilize these schemes and contribute to making healthcare facilities best.

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