GOVERNMENT HEALTH INSURANCE SCHEMES IN INDIA




All government owes it to its people to make healthcare accessible and cheap for everybody who needs it. And in order to make this feasible, governments introduce a wide range of govt health insurance schemes or government medical insurance schemes, enabling the general public to utilize these resources when they're most needed.

WHAT IS A GOVERNMENT HEALTH INSURANCE SCHEME?
The health insurance plan sponsored by a state or the federal government is known as a government health insurance scheme. Like, govt health insurance schemes attempt to improve healthcare services across social strata and provide affordable health insurance to the average person.

LIST OF GOVERNMENT HEALTH INSURANCE PROGRAMS IN INDIA


The 16 different government health insurance plans that are now getting in India-

AAM AADMI BIMA YOJANA (AABY)


Low-income people can receive payments under the Aam Aadmi Bima Yojana in the event of death or incapacity. The program is intended for individuals who engage in 48 distinct professions, including carpentry, handloom weaving, fishing, cobblers, auto driving, etc.

AWAZ HEALTH INSURANCE SCHEME


In the state of Kerala, the Awaz Health Insurance Scheme was launched with migrated workers in mind. It provides workers in Kerala with a health insurance plan with Rs. 15,000 insured benefits.

CENTER FOR GOVERNMENTAL HEALTH PROGRAMS (CGHS)


A health program offered by the Central Government of India is  The Central Government Health Scheme. Only those working for the Central Government are eligible for this policy. Judges of the Supreme Court and staff of the Central Railway Board.

THE AYUSHMAN BHARAT PROGRAM


The Ayushman Bharat Scheme is a health insurance program created to integrate India's fragmented healthcare industry. Health and Wellness Centers (HWC).

The Chief Minister's Comprehensive Insurance Program (CMCHIS)
The Tamil Nadu state government has promoted this state-run program for residents who make less than 75,000 rupees per year.


BHAMASHAHSWASTHYABIMA YOJANA (BSBY)


The BSBY scheme is an insurance program that has been introduced by the Rajasthani government. Cashless claims cover both routine and serious illnesses and hospitalization bills. This program covers both inpatient and outpatient expenditures and is available to people of all ages.

PROGRAM FOR EMPLOYEES' STATE INSURANCE (ESIS)


Millions of Indians were working in factories after India gained its independence. Numerous accidents and fatalities occur at these factories during this time due to the working environment.
BHAMASHAHSWASTHYABIMA YOJANA (BSBY)
The Rajasthan government has launched an insurance program called the BSBY scheme. It pays for both routine and serious illnesses' hospitalized costs through cashless claims. This program is open to individuals of all ages and covers both inpatient and outpatient costs.

EMPLOYEES STATE INSURANCE PROGRAM (ESIS)


Following India's independence, factories employed millions of Indians. The working conditions at these factories during this time caused numerous accidents and fatalities.

Employees and Journalists Health Scheme of the Telangana State Government (EJHS)
The Telangana government has made this specific program available for the use of its employees and journalists. Both retired and pensioned government workers and current employees may use the health program, which is a cashless insurance program.

PRADHAN MANTRI SURAKSHA BIMA YOJANA (PMSBY)


After it was shown that just 20% of Indians have accident insurance, this policy was introduced in 2016. Anyone who has a bank account and is between the ages of 18 and 70 is eligible for this policy.


UNIVERSAL HEALTH INSURANCE PROGRAM (UHIS)
The Indian government created this program to offer families and people living in poverty access to universal healthcare. Its purpose was to provide these people with access to universal healthcare.


RASHTRIYASWASTHYABIMA YOJANA (RSBY)


The Indian government established the RashtriyaSwasthyaBima Yojana to guarantee that those employed in the unorganized sector, such as labourers and workers, have access to a quality healthcare program. The majority of them lack insurance, therefore in the event of hospitalization, they would be responsible for all costs.

WEST BENGAL HEALTH SCHEME (WBHS)
The West Bengali government announced the program in 2008 with the intention of offering healthcare to public servants and retirees.

THE YESHASVINI HEALTH INSURANCE PROGRAM


In order to provide healthcare to farmers and peasants connected to cooperative societies, the Karnataka government created the Yeshasvini Health Insurance Scheme. This policy covers up to 800 medical treatments, such as orthopaedics, angioplasty, neurology, etc.

Policyholders and their families may use network hospitals to access the plan's benefits.

Top Qualities and Advantages of Government Health Insurance Schemes in India

·       Schemes offer a big benefit for incredibly modest premiums.

·       Assures that those who live in poverty have access to a healthcare system.

·       Encourages people in low-income groups to purchase health insurance.

CONCLUSION


Governments offer their citizens high-quality healthcare. The government engages in beneficial actions for the welfare of the populace by promoting health insurance, guaranteeing a robust infrastructure, and raising awareness of health-related concerns. The Indian government occasionally takes similar actions. Read to learn more about India's government health insurance programs.

 

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