Government health insurance scheme in India

The state of one's health is the most valuable possession that any person may possess. According to a report from 2019, out of India's total population of 1.3 billion people, only approximately 472 million people have proper medical insurance coverage. Therefore, the government of India is making significant investments to improve the country's public healthcare system through mediclaim policy.

What kinds of health insurance programs does the government offer?

The Indian government provides financial support for several novels and beneficial mediclaim insurance programs known as government health insurance schemes. Providing high-quality medical treatment to the general population at rates within their financial means is the primary objective of programs such as the government's health insurance program. People whose only source of income is daily wages and who live below the poverty line can gain access to essential mediclaim services with the assistance of these programs.

PM-JAY

It refers to specialized health insurance coverage made available to all people of India who are struggling economically. By making annual premium payments of Rs. 30, a household of this type can be eligible for mediclaim insurance coverage worth up to Rs. 5 lakh per year. In addition to providing coverage for medical expenses, the program has also established around 1.5 lakh health and wellness centers across the country.

PMSBY

It is a health scheme created in 2016 by the central government to enable more people to take out mediclaim insurance for accidents. It provides life insurance of Rs 2 lakhs and Rs 1 lakh for every family member's loss of a limb or an eye for a premium of Rs 12 per year. Anyone between 18 and 70 can participate in this plan if they meet the requirements.

UHIS

In 2003, the United Health Insurance Scheme (UHIS) was rolled out over the country by the Ministry of Health and Family Welfare with the goal of providing poor individuals with access to inexpensive healthcare and managing their out-of-pocket medical costs. If a family member requires hospitalization, up to Rs. 30,000 would be paid toward their medical bills. The monthly premiums for the universal health insurance system begin at Rs 300 and can reach Rs 730, with the range starting at Rs 300 and going up to Rs 730, depending on the household size. The premium amounts change for families classified as BPL or APL.

CGHS

It is one of the oldest mediclaim policy programs in India. The government of India established it to give central government employees and pensioners access to health insurance coverage. The amount of the employee's contribution to CGHS is predetermined according to their level (Level 1, 2,3, etc.)

AABY

This is one of the newest National Health Insurance Schemes; it began operations in 2007, making it one of the most recent. It is intended to include anybody between the ages of 18 and 59. This mediclaim policy program offered by the government is available to citizens in both urban and rural settings.

CMCHIS

This program was developed by the state government of Tamil Nadu, which administers it.

Under this government health insurance program, you can even submit a claim for up to 5 lakhs of rupees to cover the cost of hospitalization. This government program is open to enrolling people living in Tamil Nadu who have an annual income of fewer than 75,000 rupees and meet the requirements to do so.

Wrapping Up

In addition to these health programs that the federal government sponsors, several health programs are operated by state governments and provided to those states' citizens. Redesigning the public healthcare system to accommodate patients of all ages and provide treatment options was a priority for both the federal and state governments.