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.

Government Health Insurance Schemes

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

StateYojana NameRegional Language Insurance Coverage Amount
Andhra PradeshYSR Arogyasri Health Insurance Schemeవైఎస్ఆర్ ఆరోగ్యశ్రీ ఆరోగ్య బీమా పథకంRs. 5 Lakh
Arunachal PradeshChief Minister Arogya Arunachal YojanaChief Minister Arogya Arunachal YojanaRs. 5 Lakh
AssamAssam Atal Amrit Abhiyan Health Insurance Schemeঅসম অটল অমৃত অভিযান স্বাস্থ্য বীমা আঁচনিRs. 2 Lakh
BiharMukhyamantri Jan Arogya Yojana Biharमुख्यमंत्री जन आरोग्य योजना बिहारRs. 5 Lakh
ChhattisgarhKhoobchand Baghel Swasthya Sahayata Yojanaखूबचंद बघेल स्वास्थ्य सहायता योजनाRs. 5 Lakh
DelhiDelhi Mukhyamantri Aam Aadmi Swasthya Bima Yojanaदिल्ली मुख्यमंत्री आम आदमी स्वास्थ्य बीमा योजनाRs. 5 Lakh
GoaDeen Dayal swasthya Sewa Yojana Goaदीन दयाल भलायकी सेवा येवजण गोंयRs. 2.5 Lakh to Rs. 4 Lakh
GujaratMukhyamantri Amrutum Yojanaમુખ્યમંત્રી અમૃતમ યોજનાRs. 3 Lakh
HaryanaHaryana Chirayu Yojanaहरियाणा चिरायु योजनाRs. 5 Lakh
Himachal PradeshHim Care Yojana Himachal Pradeshहिम केयर योजना हिमाचल प्रदेशRs. 5 Lakh
Jammu and KashmirSEHAT Health Insurance SchemeSEHAT Health Insurance SchemeRs. 5 Lakh
JharkhandMukhyamantri Swasthya Bima Yojana Jharkhandमुख्यमंत्री स्वास्थ्य बीमा योजना झारखंडRs. 5 Lakh
Karnatakakarnataka Yeshasvini Health Insurance Schemeಕರ್ನಾಟಕ ಯಶಸ್ವಿನಿ ಆರೋಗ್ಯ ವಿಮಾ ಯೋಜನೆRs. 5 Lakh
KeralaKarunya Health Insurance Scheme Keralaകാരുണ്യ ആരോഗ്യ ഇൻഷുറൻസ് പദ്ധതി കേരളംRs. 5 Lakh
Madhya Pradesh – –
MaharashtraMahatma Jyotirao Phule Jan Arogya Yojanaमहात्मा ज्योतिराव फुले जन आरोग्य योजनाRs. 2 Lakh to Rs. 3 Lakh
ManipurChief Minister-gi Hakshelgi Tengbang scheme manipurꯃꯨꯈ꯭ꯌ ꯃꯟꯠꯔꯤ-ꯒꯤ ꯍꯀꯁꯦꯂꯒꯤ ꯇꯦꯡꯕꯥꯡ ꯁ꯭ꯀꯤꯝ ꯃꯅꯤꯄꯨꯔ꯫Rs. 5 Lakh
MeghalayaMegha Health Insurance SchemeMegha Health Insurance SchemeRs. 5 Lakh
MizoramMizoram Health Care SchemeMizoram Health Care Scheme siam a ni dawn aRs. 5 Lakh
NagalandNagaland Health Insurance SchemeNagaland Health Insurance SchemeRs. 20 Lakh
OdishaOdisha Biju Swasthya Kalyan Yojanaଓଡ଼ିଶା ବିଜୁ ସ୍ୱାସ୍ଥ୍ୟ କଲ୍ୟାଣ ଯୋଜନାRs. 5 Lakh to Rs. 10 Lakh
Punjabsarbat sehat bima yojana punjabਸਰਬੱਤ ਸਿਹਤ ਬੀਮਾ ਯੋਜਨਾ ਪੰਜਾਬRs. 5 Lakh
Rajasthanchiranjeevi swasthya bima yojana rajasthanचिरंजीवी स्वास्थ्य बीमा योजना राजस्थानRs. 25 Lakh
Sikkim – –
Tamil NaduChief Minister Comprehensive Health Insurance Scheme, Amma Health Insurance Schemeமுதலமைச்சரின் விரிவான மருத்துவக் காப்பீட்டுத் திட்டம்Rs. 5 Lakh
TelanganaAarogyasri Health insurance schemeఆరోగ్యశ్రీ ఆరోగ్య బీమా పథకంRs. 2 Lakh
Tripura – –
Uttar PradeshUP Mukhyamantri Jan Arogya Yojana, Rashtriya Swasthya Bima Yojana UPउत्तर प्रदेश मुख्यमंत्री जन आरोग्य योजना, राष्ट्रीय स्वास्थ्य बीमा योजना यूपीRs. 5 Lakh
UttarakhandUttarakhand Mukhyamantri Swasthya Bima Yojanaउत्तराखंड मुख्यमंत्री स्वास्थ्य बीमा योजनाRs. 5 Lakh
West Bengal – –


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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Q : Who can benefit from the Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)?

Ans : The PM-JAY scheme is designed to cater to the health insurance requirements of the bottom 40 per cent of the population, in terms of income levels, providing medical insurance coverage of ₹5 lakhs to the poor and the vulnerable.

Q : What does the Aam Aadmi Bima Yojana (AABY) cover?

Ans : AABY offers both a life cover and an accidental death cover to individuals engaged in any of the 48 listed vocations after the payment of a premium of ₹200 per annum.

Q : Who is eligible for the Employees’ State Insurance Scheme (ESI)?

Ans : Workers employed in various factories in India with wages not exceeding ₹21,000 per month (or ₹25,000 for persons with disabilities) can participate in the ESI scheme.

Q : How much is the premium for the Pradhan Mantri Suraksha Bima Yojana (PMSBY)?

Ans : The annual premium for PMSBY is just ₹12, and it provides insurance coverage for accidental death and disability.

Q : Which government employees are covered under the Central Government Health Scheme?

Ans : The Central Government Health Scheme provides medical insurance to employees in the Judiciary, Executive, Legislature, and Press Department, as well as pensioners from various central government departments.

Q : What are the benefits offered by the Mahatma Jyotiba Phule Jan Arogya Yojana?

Ans : The Mahatma Jyotiba Phule Jan Arogya Yojana provides cashless health insurance benefits to families living below the poverty line, including coverage for hospitalization and renal transplants.

Q : What does the Bhamashah Swasthya Bima Yojana cover?

Ans : The Bhamashah Swasthya Bima Yojana offers health insurance coverage for general ailments and critical illnesses in rural areas of Rajasthan, with cashless treatment and pre/post-hospitalization expenses covered.

Q : Who is the Rashtriya Swasthya Bima Yojana (RSBY) aimed at?

Ans : The RSBY is specifically for people working in the unorganized sectors of India, offering health insurance coverage at an affordable annual premium of ₹30.

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