5 Government Health Insurance Schemes – Features & Benefits

The coronavirus epidemic once again demonstrated the need for good health for all people. The demand to always be healthy has become a universal requirement, and in order to achieve this aim, people are spending a lot of money on items to protect themselves from any adverse circumstances. The Indian government is also designing and implementing a lot of schemes and is spending a lot of money on improving the public healthcare system so that everyone in India, especially those who cannot afford to pay a lot of money for private healthcare, can benefit from these national health insurance programmes.

The Government of India is taking steps to bring them into the insurance fold by developing government health insurance programmes with the goal of assisting those who earn daily earnings and are below the poverty line access to basic healthcare amenities.

We’ll talk about a few of the Government of India’s health insurance programmes in this article:

1. Pradhan Mantri Jan Arogya Yojana (PMJAY)

• This health insurance programme, also known as the Ayushman Bharat Scheme, is the most recent service provided by the Indian government to the economically disadvantaged segments of society. The programme covers 10.74 million families that are deemed to be “poor and vulnerable.”

• The insured families’ hospital bills are paid up to INR 5 lakhs. The government pays the premiums. The insured members can receive hospitalisation services without paying any money. There is no restriction on the number of family members who can be covered under the programme because the coverage is provided on a family floater basis.

 

2. Aam Admi Bima Yojana (AABY)

A microinsurance programme for personal accidents is called the Aam Admi Bima Yojana. AABY includes rural households without land ownership as well as people working in the 45 occupational groupings recognised by the programme.

Benefits of the AABY Scheme :

• One family member is only protected. That family member ought to either be the patriarch or a wage earner.

• The government provides premium payment and the programme has an age range of 18 to 59 years.

• A payout of INR 30, 000 is given in the event of a natural death. INR 75,000 is provided in the event of an unavoidable death or total and permanent incapacity. If an accident results in permanent partial disability, the payment is reduced to INR 37,500.

• Additionally, there is the option of providing students with scholarships, which cost INR 100 per month for each child.

 

3. Rashtriya Swasthiya Bima Yojana (RSBY)

Families classified as BPL (Below Poverty Line) families are given access to health insurance through the RSBY programme.

Benefits of the RSBY Scheme :

• Up to INR 30,000 in hospitalisation costs are covered.

• The entry age is unrestricted and the pre-existing conditions are covered starting on the first day,

• Up to five family members, including themselves, the spouse, and three dependents, may be insured.

• A covered family only needs to pay INR 30 to register. The government covers the cost of the premium.

 

4. Universal Health Insurance Scheme (UHIS)

The four public sector health insurance companies offer the UHIS programme. For BPL families, the programme is intended.

Benefits of the UHIS scheme :

• Low and subsidised premiums. The current premium subsidy is 200 INR for individual policies, 300 INR for floater plans that cover five members, and 400 INR for floater plans that cover seven members.

• Offers hospitalisation coverage– up to INR 30, 000

• Offers accidental death coverage – INR 25, 000

 

5. Rajiv Aarogyasri Community Health Insurance Scheme (RACHI)

The RACHI programme is a health insurance programme for Andhra Pradesh’s underprivileged citizens. The programme, which is supported by the Government of Andhra Pradesh, offers BPL (Below Poverty Line) families free health insurance coverage.

• The plan offers coverage for hospitalisation and treatment up to INR 2 lakhs. To ensure that every member of the family is able to enrol in the programme, coverage is offered on a family floater basis.