The Indian government has launched a lot of health insurance schemes to help the people with health issues and other health related problems in India. Health insurance has become expensive these days due to the increase in medical product prices. Everyone, especially those who are poor and struggling, can afford good quality healthcare with these health schemes. These schemes provide help to every Indian citizen irrespective of their caste or gender. There are various Health schemes for people that provide them with the help for getting free medical treatments. Keep reading for more information. All the important details about the Health Schemes for Indian citizens.
Importance of Government Health Schemes
Government Health schemes are programs that help people with getting free medical treatment at good hospitals. These schemes are funded by the central and state government for the benefit of the people. Health schemes offer affordable and free medical help for the welfare of people which are funded by Governments. The Indian Government has launched a lot of health schemes for the people who are not in good financial condition. These schemes will help to improve the India’s healthcare system. The government of India aims to provide their citizens with high-quality healthcare. The government does good work for the welfare of people by promoting health insurance. These schemes make sure that nobody should be left behind without any medical help.
Objective behind Government Health Schemes
The main objective of Government health schemes is to offer financial security to the people who are in urgent need of healthcare. Expensive medical costs have made things extremely difficult for people who are financially unstable. Government health insurance programs are the health schemes in which the government provides financial assistance to underprivileged people. The Indian people can benefit from many government health insurance plans which are launched for them. These schemes provide hospital-related bills, cashless treatments, and accident benefits. Government health insurance programs are available to all citizens who are eligible for the scheme. All Indian citizens can receive the benefits the national health schemes.
Ayushman Bharat Yojana
A government health insurance program known as Ayushman Bharat Yojana was launched for those who are in a bad financial condition. Each household can receive medical coverage for major to extreme health issues. Medical care will be up to ₹5 Lakh under this scheme. Moreover, beneficiaries of the government health insurance program are not criticized based on their gender, age, or size of family. This health insurance program called PMJAY will help the people from low-income families. Each household can receive quality medical care up to ₹5 lakh in coverage under this scheme. Beneficiaries will benefit from this scheme by getting great healthcare facilities.
Short Details of Government Health Schemes
| Name of the scheme | Government Health Scheme |
| Launched by | Central government of India |
| Beneficiaries | Citizens of India |
| Objective | To provide health insurance to deserving people and needy people |
| Application mode | Both offline and online |
| Official website | https://main.mohfw.gov.in/ |
List of Government Health Schemes
- Aam Aadmi Bima Yojana
- Central Government Health Scheme
- Ayushman Bharat Yojana
- Universal Health Insurance Scheme
- Rashtriya Swasthya Bima Yojana
- Mahatma Jyotiba Phule Jan Arogya Yojana
- West Bengal Health Scheme
- Niramaya Health Insurance Scheme
- Rajiv Aarogyasri Telangana
Aam Aadmi Bima Yojana
The Aam Aadmi Bima Yojana (AABY) has been launched for those who work in various labors. Such as handloom weaving, fishing, carpentry, and other labor workers etc. This scheme is launched for these kinds of workers. Before 2013, the Janashree Bima Yojana (JBY) and AABY were two similar policies. In 2013 they were launched together in one policy. In this scheme Rs. 30,000 insurance policies are provided annually to the people. To be eligible for this policy, a person must be the head of the household or an earner who earns money less than the BPL Category. They must be employed in one of the government labor departments.
Central Government Health Scheme
- Only Central Government employees are eligible to receive the benefit from the Central Government Health Scheme.
- The scheme’s beneficiaries include pensioners, Delhi police officers, freedom fighters, and dependent family members who live in CGHS-covered areas.
Universal Health Insurance Scheme
- The goal of this program is to help India’s poor and economically disadvantaged citizens.
- For those who fall between the age range of 5 and 70 this scheme will offer them good quality treatment.
- UHIS offers benefits for accidental deaths as well as medical expenses for individuals and family members.
- The programme offers coverage of Rs. 30,000 for a family member who is hospitalized and a daily benefit of Rs. 50 for the earning head of the household.
Rashtriya Swasthya Bima Yojana
One of the many government health programs in India introduced by the Ministry of Labor and Employment is the Rashtriya Swasthya Bima Yojana. This program provides medical coverage for laborers and other individuals working in unorganized sectors. As well as emergency health coverage for their families. Families that fall below the poverty line (BPL) can receive healthcare coverage and protection through this program. Beneficiaries can receive up to Rs. 30,000 covering a wide range of illnesses. The programme does not have an age restriction and covers all health conditions. Additionally, patients can use their smart cards to receive care at any accredited hospital in the nation without using cash or paper records.
Mahatma Jyotiba Phule Jan Arogya Yojana
- The Mahatma Jyotiba Phule Jan Arogya Yojana was initiated by the Maharashtra government to offer health care coverage to the economically disadvantaged segments of society.
- Policy holders may file claims for medical expenses up to ₹1.5 Lakh for illnesses or diseases starting on the day the policy is issued, with the maximum amount being applicable to a limited number of districts in the state.
West Bengal Health Scheme
The West Bengal Health Scheme, introduced by the West Bengal government in 2008, provides insurance coverage to employees of State governments. Up to ₹1 Lakh in sum insured is available to the employee and their family members, covering expenses for OPD care, surgery, hospital stays, and other related expenses. It applies to retirees as well. The West Bengal Health for All Employees and Pensioners Cashless Medical Treatment Scheme was the name of the 2014 update to it. The total amount guaranteed under this policy is Rs. 1 lakh, and it covers both the individual and their family members. OPD and surgeries are covered by the policy under the terms and conditions. Cosmetic surgery and non-emergency procedures are among its exclusions.
Niramaya Health Insurance Scheme
- The National Trust Act of 1999 provides accessible health insurance for individuals with disabilities.
- The scheme provides beneficiaries with annual renewals of up to one lakh in insurance coverage.
- Access to OPD treatment facilities, including pathology, diagnostic tests, medications, and regular medical check-ups for disabled people who are not sick; preventive dentistry; surgery to stop disability from getting worse; non-surgical/hospitalization; corrective surgeries for disabilities already present; continued therapies to lessen the effects of disability-related complications; and alternative medicine.
- To be eligible for this scheme, the beneficiary must pay a premium of Rs. 500 (for APL categories) or Rs. 250 (for BPL categories).
- They must pay Rs. 250 and Rs. 50, respectively, to renew this premium.
Rajiv Aarogyasri Telangana
The Rajiv Aarogyasri Health Insurance Scheme was introduced by the Andhra Pradesh government as a low-income family plan. Beneficiaries of the health plan receive a host of benefits, including follow-up facilities, cashless medical services, coverage for pre-existing diseases, and outpatient care. The state is implementing the Rajiv Aarogyasri Scheme, a distinctive community health insurance program. Families below the poverty line are protected financially under the scheme up to Rs. 10 lakhs per year for the treatment of severe illnesses requiring hospitalization or surgery, as well as up to Rs. 10 lakhs for upscale procedures. The convergent scheme covers 1672 treatments.
Benefits Government Health Schemes
- Government health schemes are citizen-focused programs that offer health insurance.
- Both the central and state governments fund these initiatives. providing government-funded, reasonably priced insurance plans for people’s well-being.
- The Indian government periodically takes measures of this kind. The goal of these programs is to raise India’s percentage of healthcare recipients.
- These policies are usually granted on an annual basis. The Indian government wants to offer its people access to first-rate medical care.
- The government promotes health insurance as a good deed for the welfare of the populace.
- These programs ensure that the healthcare system is sound and increase public awareness of health-related issues.
Implementation Process
- The government of India and other state governments have launched these health schemes all over the nation. They are available to everyone in the country.
- For receiving the benefits of the scheme candidates should visit the official website and check the eligibility criteria and app for the same.
How to Get Government Health Schemes Benefits?
To apply for the Government Health schemes Benefits
- First visit the official website of the scheme
- Then the homepage of the website will open
- Then click on the apply online option
- After that fill in the required documents
- Then click on submit
- This way you will get registered for the scheme
FAQS
Government Health schemes are programs for citizens that provide health insurance to the people. These schemes are supported by the state or central governments.
These schemes are supported by the state or central governments. Offering affordable insurance policies that are covered by the government for the welfare of people.
