The provision of healthcare services is not regarded as a privilege but as an essential service in developed nations. Although far too many people do not have access to reasonable healthcare, the affluent spend large sums of money on health care. Here is the some top health insurance schemes of indian government:
Pradhan Mantri Jan Arogya Yojana
All economically challenged citizens in India are entitled to PM-JAY, India’s specialized health insurance policy. By paying a premium of Rs.30 per year, such a household can claim coverage up to Rs.5 lakh per year.
In addition to covering medical expenses, the scheme has also led to the building of around 1.5 lakh Health and Wellness Centers throughout the nation.
CM Comprehensive Insurance Scheme
This impressive family floater medical insurance is available in Tamil Nadu thanks to the United India Insurance Company.
In particular, this scheme is available to individuals whose annual income is less than Rs.75000. Avail of this offer and you can claim up to Rs.5 lakh of hospitalization expenses at select private and government healthcare facilities.
Central Government Health Scheme
This specific insurance is operated by the government and caters to employees only within the government.
Among those who can benefit from this plan are senior Indian Railways officials, Supreme Court judges, and other such important government workers.
The plan provides coverage for hospitalization and home health care. Furthermore, this policy also covers expenses related to homeopathy and naturopathy.
A total of 71 Indian cities offer CGHS. There may, however, be additional additions to this list in the future.
Karunya Health Scheme
Karunya medical insurance plan is another popular initiative launched by the Kerala government for the economically disadvantaged.
The health problems listed above, ranging from cancer to heart conditions, are considered chronic illnesses. It is important to keep in mind that most standard policies do not offer financial coverage for critical illnesses.
In order to apply for this program, you would need to submit a copy of your Aadhaar card in addition to your income certificate.
Pradhan Mantri Suraksha Bima Yojana
A government official in India promised to increase the number of people covered by medical insurance. Providing accidental death and disability benefits to policyholders is what the Pradhan Mantri Suraksha Bima Yojana offers. Pradhan Mantri sarkari yojana
In the scheme, those who have partial disabilities can receive up to Rs.1 lakh in benefits, while those who have total disabilities/died can receive up to Rs.2 lakh. A yearly premium of Rs.12 would be required for such coverage.
The scheme is open to individuals aged 18 to 70 who have a savings account with a bank and want to engage in scheme-related activities. There are many other indian govt health scheme
Mahatma Jyotiba Phule Jan Arogya Yojana
A special medical insurance plan was launched for people below the poverty line by the Maharashtra government.
There is, however, an application process that is only open to residents of the district. The diseases marked as inclusions in the policy can be claimed from the first day of coverage. Up to Rs.1.5 lakh is the maximum coverage amount.
Mukhyamantri Amrutum Yojana
As part of an initiative of the Gujarat government, this specific scheme was launched in 2012. This program aims to assist residents of the state who fall into the lower middle class and those below poverty level.
The beneficiaries of a family floater policy have access to Rs.3 lakh as part of their sum insured. Medical facilities include public and private hospitals as well as trust-based hospitals.
Rashtriya Swasthya Bima Yojana
Many workers and individuals who work in the unorganized sector do not have health insurance. Unfortunately, they are also susceptible to sickness and injury. As a consequence, medical coverage is just as important to them as it is to the rest of the population.
For families with unorganized sector workers (up to five people), such policies fall under the Ministry of Labor and Employment.
West Bengal Health Scheme
This particular medical insurance plan is available to state government employees in West Bengal. The employee and his/her family are insured for a sum of Rs. 1 lakh. Certain cases are covered by the plan, including surgery and OPD treatment.
Furthermore, this plan also provides similar benefits for pensioners in addition to current employees.
Universal Health Insurance Scheme
Government health insurance plans backed by the Indian government are among the most affordable in this country. They are available to people between the ages of 5 and 70.
Additionally, individuals who qualify for its benefits and who meet the necessary requirements can take advantage of it.
Hospitalization, disability caused by an accident, and more are covered by this policy. A policy’s premium is determined by the number of people covered and the size of your family.
Urban Slum Health Scheme
According to this expanded version of the scheme, 43 municipal councils and 111 Nagar Panchayats across the state will receive assistance. In order to make healthcare facilities more accessible in the local area, this initiative has been designed to provide easy access for local residents.
A communique reported that the Urban Administration Department has completed all preparations necessary for the expansion of the scheme.
Bhupesh Baghel has also virtually launched a new scheme entitled Shri Dhanwantri Generic Medical Store Scheme to provide low-cost generic medicines and enable better treatment for the state’s most vulnerable people.