Top 5 Government Health Schemes in India

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Indian Government’s Top Health-Care Schemes

There are many reliable government health insurance schemes in India that allow an individual the security of health. Do you know about any such schemes? If not, read on to know more.

Health is the most valuable thing that we possess. Without health and well-being, carrying on the simple day to day tasks becomes impossible. And when it comes to the sole breadwinner of a family, staying healthy becomes all the more important as an unhealthy breadwinner may not be able to suffice for the needs of the entire family. This might in turn affect the life of the family members. Thus, to stay healthy people depend on insurance so that they can ensure proper treatment of their family members if anyone falls sick or if there is any medical emergency in the family.

When it comes to health insurance policies, most people talk about the private insurance companies and private insurance plans only. However, the fact is there are a number of good and reliable government health insurance schemes in India that are equally effective.

In fact, government health schemes are available to individuals at affordable prices.  Further, the government has also offered health measures for poor people who otherwise cannot afford even the basic healthcare facilities. This way, the government seeks to improve their healthcare treatments.

In this blog, we are talking about some of the best government health schemes that are available in India.

Read More : Government Health Insurance Plans and Schemes for Senior Citizens.

Government Health Insurance Schemes in India

The health schemes offered by the government of India are either powered by the state government or the central government. These coverage by the government are offered at an affordable cost and on an annual basis. These plans benefits the people with low income.

Below are some of the key benefits of the government of India health insurance schemes:

  • You can avail these schemes at a very low price.
  • These schemes allow health benefits to the BPL or below the poverty line families so that they can enjoy the benefit of health insurance cover.
  • These plans cover the poor people with enough protection so that they get wide coverage.
  • Under such plans, the insured can get treatment (including hospitalization) in both type of hospitals, private and government.

 5 Best Government Health Insurance Schemes in India

Here are the top 5 government health insurance schemes available in India.

  1. Ayushman Bharat Yojana – The Ayushman Bharat Yojana is a government medical scheme that provides healthcare services to 40 percent of India’s population with a health cover of  5 lakh rupees. The scheme covers the costs of hospitalization, diagnosis, medicines, and so on. This policy has greatly benefited the poor in India by offering them comprehensive coverage at affordable price.
  2. Pradhan Mantri Suraksha Bima Yojana – This is another health insurance scheme offered by the government. This scheme covers individuals against accidents provided they have a bank account, and they are within the age group of 18 to 70 years. Under this scheme, the insured gets a coverage of 2 lakh rupees in case the accident causes total disability to the person. Or he/she can get an amount of 1 lakh rupees if the person suffers any partial disability. Here, the premium is debited automatically from the bank account of the policyholder.
  3. Employment State Insurance Scheme – This government health insurance scheme is crafted for the workers exclusively to allow them socio-economic protection and social security. Further, there is another privilege, this covers  the dependents too under the scheme. This policy offers benefits such as cash rewards,  dependent benefits, and monthly pensions, to the insured workers.
  4. Aam Aadmi Bima Yojana (AABY) – This is another government medical scheme that was introduced in 2007 to cover individuals within the age group of 18-59 years. This policy is available for Indian citizens living in the interior areas of the country. As part of these plans, needy children in the villages or rural areas are offered scholarships. The plan also provides scholarships to tenants living in rural areas. The premium required to be paid for this policy is just 200 rupees per year and the plan covers the family head. In case the insured person dies a natural death, a sum of 30,000 rupees is provided to the family.  On the other hand, if the accident causes the death or permanent disability of the insured, the family is given a sum of 75,000 rupees.
  5. Janshree Bima Yojana –  Under this policy, 18 to 59 years old individuals can benefit, especially the poor category of people in India. This cover also includes benefits in the form of women SHG groups, shiksha sahyog yojana, and so on. This scheme covers over 45 occupational groups.

To Conclude

Other than the ones mentioned above there are many other health benefit schemes offered by the government. And these health insurance schemes in India offer exclusive features to the policyholders at a nominal cost. People can easily invest in any such plan by comparing them and by picking the most suitable one to fulfill their needs.

These plans are easily affordable and suffice the needs of the economically deprived section of the society. With such plans, the government wants to ensure that the health of the poor is taken proper care of and they are allowed good coverage of health if any unforeseen situation arises.

So, in case you are trying to get information on these policies for yourself or you wish to help someone from the poorer section of the society, check the various government health policies too.

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Gayatri Prabhu, Head-Digital Business at Mahindra Insurance Brokers Limited (MIBL) is one those few digital leaders who has the width and depth that is required to execute an ROI driven holistic digital strategy. She cuts through the noise, identifies the critical levers and leads her team to successful execution of the defined strategy. Her core mantra to win new and retain existing customers is: understand the consumer behavior and craft experiences around it.

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