To make health insurance affordable for all, the government has introduced some National Health Insurance Schemes. The purpose of these health insurance plans is to encourage everyone to get health insurance by making it accessible to all.
Here are the health insurance schemes from the National government.
Rashtriya Swasthiya Bima Yojana (RSBY)
The RSBY scheme is introduced by keeping families Below the Poverty Line (BPL) in mind so that they can get health insurance economically. The beneficiary also offers you the option to choose from private or public hospitals.
Coverage
Under this scheme, the BPL families get hospitalisation cover of up to Rs. 30,000 for diseases that require hospitalisation. And, the insurance also covers pre-existing illnesses.
Applicability
This health insurance plan covers five family members, namely you, your spouse, and three dependents.
Employment State Insurance Scheme (ESIS)
This is a customized health insurance policy by the government for workers and their dependents.
Coverage
You can avail full medical care for yourself and dependents from day one of insurable employment and there is also cash facility for emergencies or hazards.
Applicability
This insurance is available for all non-seasonal factories employing more than ten workers. Hotels, shops, cinemas, restaurants, newspaper establishments, and road-motor transport enterprises employing more than twenty people can also avail of this scheme.
Central Government Health Scheme (CGHS)
This health insurance policy is specifically designed for Central Government employees, giving them all-inclusive services.
Coverage
The medical services are provided through Wellness centers (CGHS, Polyclinics/Dispensaries, Yoga/Ayurveda, Siddha, Unani, and Homeopathy).
Applicability
The beneficiary's pensioners and dependents living in specific cities are also covered in this scheme.
Aam Aadmi Bima Yojana (AABY)
The AABY scheme was introduced for rural and landless households in October 2007.
Coverage
In case of natural death, the compensation is Rs. 30,000, in case of partial or permanent disability, the compensation is Rs. 75,000, and for partial permanent disability, the compensation is Rs. 37,500.
Applicability
The beneficiary in this policy has to be the head of the house or one earning member of the house from the age of 10 to 59 years.
Janashree Bima Yojana (JBY)
This health insurance plan was introduced by the Government in the 2000s.
Coverage
It's a replacement for Social Security Group Insurance Scheme and Rural Life Insurance Scheme.
Applicability
This scheme is for the members of forty-five occupational groups (including, but not limited to, beedi workers, cobblers, fishermen, carpenter, etc.) aged from 18 to 59 years.
Universal Health Insurance Scheme (UHIS)
Four public health insurance companies have grouped to provide health insurance to poor families.
Coverage
The sum assured is Rs, 30,000 for hospitalization expenses and the accidental cover is Rs. 25,000. And, in case of loss of income, Rs. 50 is provided daily.
Applicability
The UHIS plan is redesigned and targets only the BPL families.
The government has made it possible for everyone to have a way to secure their loved one's health by launching the National Health Insurance schemes in India. These health insurance plans are affordable and specifically target BPL and low-income families. If you wish to apply to one of the above plans, Bajaj Finserv can help you do so.
