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Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 1L+ Indians
Want to Achieve any of the below Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below
Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below
Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Government Health Insurance Schemes In India
Government Health Insurance Schemes In India
Good health and well-being are critical aspects of every individual's life. However, health is often unpredictable, with risks such as accidents, viral infections, or critical illnesses looming over us. Given these uncertainties, having an appropriate health insurance plan is essential.
At Tata AIG, we offer a variety of health insurance plans starting at just ₹15 per day. Our offerings include health insurance for individuals and families, as well as specific plans for critical illnesses, including diabetes. You can easily explore and purchase our health insurance plans online through our official website with just a few simple steps.
In addition to private health insurance, there are several government health insurance schemes in India. Below is a detailed description of various government-sponsored health insurance policies available in the country.
What is Government Health Insurance?
Government health insurance schemes are medical insurance plans sponsored or supported by the government at either the central or state level. These schemes are designed to improve healthcare access and health insurance coverage, especially in rural areas where healthcare services are often inadequate. The central and state governments in India have launched and supported numerous health insurance schemes to ensure comprehensive healthcare access for all citizens.
The primary goal of these government health insurance schemes is to provide substantial coverage at an affordable premium, ensuring that even the most vulnerable sections of society can afford quality healthcare. These schemes aim to mitigate the financial burden of medical expenses on individuals and families, thus contributing to the overall health and well-being of the population.
Various Government Health Insurance Schemes in India
Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PM-JAY)
The Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a flagship government health insurance scheme designed to provide healthcare coverage to the bottom 40% of the population based on income levels. This scheme offers medical insurance coverage of ₹5 lakhs to the economically disadvantaged and vulnerable sections of society.
Key benefits of the PM-JAY scheme include:
Hospitalization coverage for up to three days
Post-hospitalization coverage for up to 15 days
Coverage for all pre-existing conditions without a waiting period
No restrictions on the number of family members covered under the scheme
Cashless treatment at any government or private hospital across the country
Coverage for 1,393 medical procedures
Coverage for expenses related to treatment, drugs, physician's fees, diagnostics, ICU charges, etc.
An annual premium of ₹30
Aam Aadmi Bima Yojana (AABY)
The Aam Aadmi Bima Yojana is another significant government health insurance scheme aimed at people engaged in one of the 48 listed vocations. This scheme provides both life cover and accidental death cover to its members for an annual premium of ₹200.
Coverage under AABY includes:
A sum insured of ₹30,000 for natural death
A sum insured of ₹75,000 for accidental death
Coverage for only the earning member or head of the family
Employees' State Insurance Scheme (ESIS)
The Employees' State Insurance Scheme is designed primarily for factory workers to cover expenses resulting from accidents and occupational hazards. Workers earning wages not exceeding ₹21,000 per month (₹25,000 for persons with disabilities) are eligible for this scheme. The premium is shared between employers and employees, with exemptions for workers earning less than ₹137 per day.
Coverage under ESIS includes:
Medical benefits for the insured and their family
Sickness benefits for up to 91 days per annum
Extended Sickness Benefit for up to two years for certain long-term ailments
Enhanced Sickness Benefit for sterilization cases (7 days for males, 14 days for females)
Maternity Benefit for 26 weeks, extendable by four weeks
Disablement Benefit
Dependents' Benefit in case of death due to work-related injuries
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
The Pradhan Mantri Suraksha Bima Yojana aims to increase health insurance penetration by offering accidental death and disability coverage. For an annual premium of ₹12, the scheme provides:
A sum insured of ₹2,00,000 for accidental death or total disability
A sum insured of ₹1,00,000 for partial disability
Central Government Health Scheme (CGHS)
The Central Government Health Scheme provides medical insurance to central government employees, including those in the Judiciary, Executive, Legislature, and Press departments. The scheme offers comprehensive health benefits, including:
Coverage for PPF treatment and issuance of medicines
Specialist consultations at government hospitals
Indoor treatment at government and empanelled hospitals
Family welfare services
Maternity expenses
AYUSH treatment (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy)
Mahatma Jyotiba Phule Jan Arogya Yojana
This scheme by the Maharashtra government offers health insurance to families below the poverty line, providing:
A sum insured of ₹1,50,000 for hospitalization
An additional ₹2,50,000 for renal transplants
Coverage for the entire family of the beneficiary
Bhamashah Swasthya Bima Yojana
Designed for rural residents of Rajasthan, this scheme offers:
A health insurance cover of ₹30,000 for general ailments
A cover of ₹3,00,000 for critical illnesses
Cashless treatment and coverage for hospitalization expenses, pre-hospitalization (up to 7 days), and post-hospitalization (up to 15 days)
Coverage for OPD treatments
Rashtriya Swasthya Bima Yojana (RSBY)
Targeted at workers in the unorganized sector, which constitutes about 93% of India’s workforce, RSBY offers:
A sum insured of ₹30,000 for the worker and their family
Coverage for hospitalization expenses and pre-existing diseases
Transportation expenses up to ₹1,000
Cashless insurance
An annual premium of ₹30
Conclusion
India boasts several central and state government health insurance schemes aimed at providing substantial coverage at affordable premiums to ensure comprehensive healthcare access for all citizens. These schemes are particularly beneficial for economically disadvantaged sections of society. If you are eligible for any of these schemes, you can assess their coverage and premiums to make an informed decision.
In addition to government health insurance schemes, Tata AIG offers comprehensive health insurance plans starting at just ₹15 per day. You can explore these plans on our official website to find one that best suits your needs.
Good health and well-being are critical aspects of every individual's life. However, health is often unpredictable, with risks such as accidents, viral infections, or critical illnesses looming over us. Given these uncertainties, having an appropriate health insurance plan is essential.
At Tata AIG, we offer a variety of health insurance plans starting at just ₹15 per day. Our offerings include health insurance for individuals and families, as well as specific plans for critical illnesses, including diabetes. You can easily explore and purchase our health insurance plans online through our official website with just a few simple steps.
In addition to private health insurance, there are several government health insurance schemes in India. Below is a detailed description of various government-sponsored health insurance policies available in the country.
What is Government Health Insurance?
Government health insurance schemes are medical insurance plans sponsored or supported by the government at either the central or state level. These schemes are designed to improve healthcare access and health insurance coverage, especially in rural areas where healthcare services are often inadequate. The central and state governments in India have launched and supported numerous health insurance schemes to ensure comprehensive healthcare access for all citizens.
The primary goal of these government health insurance schemes is to provide substantial coverage at an affordable premium, ensuring that even the most vulnerable sections of society can afford quality healthcare. These schemes aim to mitigate the financial burden of medical expenses on individuals and families, thus contributing to the overall health and well-being of the population.
Various Government Health Insurance Schemes in India
Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PM-JAY)
The Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a flagship government health insurance scheme designed to provide healthcare coverage to the bottom 40% of the population based on income levels. This scheme offers medical insurance coverage of ₹5 lakhs to the economically disadvantaged and vulnerable sections of society.
Key benefits of the PM-JAY scheme include:
Hospitalization coverage for up to three days
Post-hospitalization coverage for up to 15 days
Coverage for all pre-existing conditions without a waiting period
No restrictions on the number of family members covered under the scheme
Cashless treatment at any government or private hospital across the country
Coverage for 1,393 medical procedures
Coverage for expenses related to treatment, drugs, physician's fees, diagnostics, ICU charges, etc.
An annual premium of ₹30
Aam Aadmi Bima Yojana (AABY)
The Aam Aadmi Bima Yojana is another significant government health insurance scheme aimed at people engaged in one of the 48 listed vocations. This scheme provides both life cover and accidental death cover to its members for an annual premium of ₹200.
Coverage under AABY includes:
A sum insured of ₹30,000 for natural death
A sum insured of ₹75,000 for accidental death
Coverage for only the earning member or head of the family
Employees' State Insurance Scheme (ESIS)
The Employees' State Insurance Scheme is designed primarily for factory workers to cover expenses resulting from accidents and occupational hazards. Workers earning wages not exceeding ₹21,000 per month (₹25,000 for persons with disabilities) are eligible for this scheme. The premium is shared between employers and employees, with exemptions for workers earning less than ₹137 per day.
Coverage under ESIS includes:
Medical benefits for the insured and their family
Sickness benefits for up to 91 days per annum
Extended Sickness Benefit for up to two years for certain long-term ailments
Enhanced Sickness Benefit for sterilization cases (7 days for males, 14 days for females)
Maternity Benefit for 26 weeks, extendable by four weeks
Disablement Benefit
Dependents' Benefit in case of death due to work-related injuries
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
The Pradhan Mantri Suraksha Bima Yojana aims to increase health insurance penetration by offering accidental death and disability coverage. For an annual premium of ₹12, the scheme provides:
A sum insured of ₹2,00,000 for accidental death or total disability
A sum insured of ₹1,00,000 for partial disability
Central Government Health Scheme (CGHS)
The Central Government Health Scheme provides medical insurance to central government employees, including those in the Judiciary, Executive, Legislature, and Press departments. The scheme offers comprehensive health benefits, including:
Coverage for PPF treatment and issuance of medicines
Specialist consultations at government hospitals
Indoor treatment at government and empanelled hospitals
Family welfare services
Maternity expenses
AYUSH treatment (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy)
Mahatma Jyotiba Phule Jan Arogya Yojana
This scheme by the Maharashtra government offers health insurance to families below the poverty line, providing:
A sum insured of ₹1,50,000 for hospitalization
An additional ₹2,50,000 for renal transplants
Coverage for the entire family of the beneficiary
Bhamashah Swasthya Bima Yojana
Designed for rural residents of Rajasthan, this scheme offers:
A health insurance cover of ₹30,000 for general ailments
A cover of ₹3,00,000 for critical illnesses
Cashless treatment and coverage for hospitalization expenses, pre-hospitalization (up to 7 days), and post-hospitalization (up to 15 days)
Coverage for OPD treatments
Rashtriya Swasthya Bima Yojana (RSBY)
Targeted at workers in the unorganized sector, which constitutes about 93% of India’s workforce, RSBY offers:
A sum insured of ₹30,000 for the worker and their family
Coverage for hospitalization expenses and pre-existing diseases
Transportation expenses up to ₹1,000
Cashless insurance
An annual premium of ₹30
Conclusion
India boasts several central and state government health insurance schemes aimed at providing substantial coverage at affordable premiums to ensure comprehensive healthcare access for all citizens. These schemes are particularly beneficial for economically disadvantaged sections of society. If you are eligible for any of these schemes, you can assess their coverage and premiums to make an informed decision.
In addition to government health insurance schemes, Tata AIG offers comprehensive health insurance plans starting at just ₹15 per day. You can explore these plans on our official website to find one that best suits your needs.
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