Government Health Insurance Schemes in India 2024: Plans, Premium

Government Health Insurance Scheme 2024: in India, Plans, Premium, Swasthya Bima Yojana Online Registration, Status, Card, Kya hai, स्वास्थ्य बीमा योजना क्या है, जानकारी, परिवार, Calculator, Senior Citizens, Parents, Family, State Wise List

Government Health Insurance Schemes The well-being and security of the citizens is dependent on affordable health care. In India, where access to healthcare is still a problem, the government has implemented and supported various health insurance programs. These initiatives are designed to offer financial protection and coverage for citizens, particularly those who live in economically vulnerable areas of society. This article highlights the most prominent government health insurance plans in India, and their benefits to improving healthcare access for all.

What is Government Health Insurance Schemes

Health Insurance Schemes are specialized programs designed to offer financial coverage for medical expenses incurred by policyholders. These schemes are typically offered by insurance companies or government entities and are available to individuals, families, and sometimes even specific groups, such as employees of an organization.

Why is Government Health Insurance Schemes Important

Health Insurance Schemes are of paramount importance for several reasons. The rising cost of medical treatments and hospitalization has made it difficult for many people to afford proper healthcare without insurance. In the absence of health coverage, individuals may delay seeking medical attention, which can lead to more severe health conditions and higher treatment costs in the long run.

Central Government Health Insurance Schemes

The Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)

The Pradhan Mantri-Jan Arogya Yojana is a government health care insurance scheme, targets the poorest 40 percent of the population and offers coverage up to Rs 5 lakhs for those who are in need.

Benefits :

• Hospitalization coverage for up to three days.
• Coverage for up to 15 days after hospitalization.
• All pre-existing conditions covered without waiting period.
• There are no restrictions on how many family members can be covered by the scheme.
• Both government and private hospitals in the country offer cashless treatment.
• Includes coverage for 1,393 medical treatments, including costs for drugs, diagnostics and treatment.
• A low-cost annual premium of Rs 30.

The Aam Aadmi Bima Yojana

The AABY provides life insurance and accidental death coverage to those who are employed in any of the 48 professions listed in the Schemes Detail.

Features :

• The sum insured is Rs.30,000 in the event of natural death.
• Accidental death insurance of Rs. 75,000
• Only the head of the household or the earner is covered.

The Employees’ State Insurance Scheme

The ESI is a financial assistance program for factory workers in the event of an accident or workplace hazards. The ESI is open to all eligible workers earning up to Rs 21,000 per month (or Rs 25,000 for disabled persons) and employers and employees share the premium.

Benefits :

• Benefits for medical and sickness insurance for insured workers and families.
• Extended sickness benefit for long term illnesses
• Maternity Benefit for up to 26-weeks, which can be extended by an additional four weeks.
• In the event that a work-related injury results in death, you will be entitled to a benefit for your disability and those of your dependents.

The Pradhan Mantri Suraksha Bima Yojana (PMSBY)

The Pradhan Mantri Suraksha Bima Yojana is a health insurance product that provides accidental death and disability coverage at a premium of Rs12. The PMSBY offers the following benefits:

Benefits :

• The sum of Rs. 2,00,000 is insured in the event of accidental death or total disablement.
• The sum of Rs. 1,00,000 is insured against partial disability.

The Central Government Health Scheme

This scheme, which was introduced for central government employees to cover medical expenses of employees and pensioners in various government departments.

Benefits :

• Medical treatment, hospitalization, and consultation are covered.
• AYUSH, maternity costs, and family welfare services.

Below is the state list of all Government Health Insurance Schemes running in India.

Government Health Insurance Schemes State Wise List

Conclusion

In India, government health insurance schemes play a crucial role in bridging a gap between affordability and accessibility of healthcare. These initiatives offer financial protection and coverage for those in greatest need, allowing citizens to receive quality healthcare without financial burden. The government continues to strengthen and expand these schemes in order to achieve comprehensive and inclusive healthcare for all citizens.

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Other Links –

• Berojgari Bhatta Scheme
• Antyodaya Shramik Suraksha Yojana Gujarat
• पीएम समग्र स्वास्थ्य योजना
• छत्तीसगढ़ चिरायु योजना