Governments all around the world work towards giving great quality medical services to their kin. Making mindfulness about medical problems, guaranteeing a solid foundation, and advancing health care coverage are useful exercises directed by the experts for individuals’ government assistance. The Indian Government likewise attempts such measures now and again. To ensure individuals will remain solid, the Indian government makes some health schemes in India. Peruse ahead to find out about Government health insurance schemes in India.

What is a Government Health Scheme?

A Government Health Insurance Scheme in India is a State or Central Government-controlled health insurance initiative for its residents. It is coordinated towards enhancing the healthcare remainder of the area by offering low-evaluated insurance arrangements with a sizeable aggregate insured. Such arrangements are usually presented on an annual basis.

A new health scheme launched by the Government of India is aimed at reducing the mortality rate of children under five years old. The new “National Health Protection Scheme” will provide Rs 500,000 for every family that belongs to the poorest 20% of people in India. This amount will cover up to 10 members of a family, including parents and their children.

The new health scheme was launched on 1st September 2018 by Indian Prime Minister Narendra Modi. India is home to the largest number of undernourished people in the world and has a very high infant mortality rate. The total population of India is more than 1.3 billion people.

Problems faced by health Schemes care sector

The health Schemes care sector has been facing many problems for some years, including:

  1. Lack of money – an enormous amount of public money is needed to improve the quality and quantity of health services provided in India;
  2. Continued neglect of public health – despite government efforts, large numbers of people still lack access to essential public health services such as immunization and antenatal care
  3. Inequitable distribution – unequal distribution between rural and urban areas and between different social groups, mainly the poor and disadvantaged;
  4. Lack of timeliness – a delay in obtaining services from public systems or from private providers. For example, one study found that it could take up to three weeks to see a doctor at a government health facility for an easily treatable condition such as diarrhea. In extreme cases, children have died while waiting for care.
  5. Low quality of services – despite their low cost, public services do not always deliver high-quality medical treatment.
  6. Corruption – corruption may lead to the misuse of funds within both the health system and in other sectors with an important bearing on health status
  7. Weak governance – inadequate leadership can result in poorly coordinated efforts across different sectors
  8. Weak accountability – a health system is accountable to the people it serves. In India, however, people have little or no say in how their health services are run and the quality of care they receive

Problems with different types of health scheme policy implementation

The Indian government has been trying to increase its efforts to improve these problems with different types of health policy implementation. In 2014, for example, Prime Minister Narendra Modi launched a new initiative called National Health Mission (NHM). The NHM aims to expand the reach of public health schemes so that more people can benefit from them. Under NHM, five missions have been formed:

  1. Universal Immunization Programme for all children under two years old;
  2. Free distribution of essential drugs in public health facilities;
  3. National Nutrition Mission to address the wide prevalence of malnourishment among children, women, and Adolescent girls;
  4. Swachh Bharat Abhiyan (Clean India Campaign), to improve sanitation across the nation;
  5. Pradhan Mantri Surakshit Matritva Abhiyan (Prime Minister’s Safe Pregnancy Scheme), for pregnant women.

In addition to these five missions, there are secondary programs under NHM such as:

  1. Janani Shishu Suraksha Yojana (Mother-Child Care Programme);
  2. Rashtriya Bal Swasthya Karyakram (National Child Health Programme)

The NHM was designed to help people receive proper vaccines, medicine, nutrition, and medical care. However, the five missions under NHM have had limited success in improving health services across India. The new “National Health Protection Scheme” is an effort by the government to reduce infant mortality rates by providing Rs 500,000 for every family that belongs to the poorest 20% of India’s population. This amount will cover up to 10 members of a family including parents and their children. The funding seems adequate for this purpose but there are still many questions that need answering before they can be put into effective use.

Apart from this, there are some more health insurance schemes that you should know about.

List of 16 Government Health Schemes in India:

1) Ayushman Bharat:

This plan appeared due to proposals made by the National Health Policy. Ayushman Bharat Yojana is planned to keep in mind Universal Health Coverage (UHC). Health administrations in India are to a great extent sectioned and Ayushman Bharat means to make them exhaustive. It is tied in with looking at the health area in general and guarantees continuous consideration for individuals of India.

There are two parts related to Ayushman Bharat: Health and Wellness Centers (HWC) and Pradhan Mantri Jan Arogya Yojana (PM-JAY).150000 HWCs have been made in request to guarantee better healthcare for individuals. These HWCs are changed adaptations of before initiatives like Sub Centers and Primary Health Centers. The PM-JAY is a health insurance conspire for poor people. It offers a health front of Rs. 5 lakhs for every family on a yearly premise, and the payable premium is Rs. 30.

2) Awaz Health Insurance Scheme:

This is a health insurance cover for traveler laborers and is initiated by the Government of Kerala. It additionally offers insurance for death coincidentally for workers. The scheme was dispatched in the year 2017 and designated 5 lakh inter-state traveler workers working in Kerala. The health insurance coverage presented under Awaz Health Insurance is Rs.15000, while the cover for death is Rs.2 lakh.

This policy can be obtained by workers falling in the age gathering of 18 to 60. They will be given an Awaz Health Insurance card, post submitting and processing of enrolment subtleties pertaining to biometric information and other business-related reports.

3) Aam Aadmi Bima Yojana:

The Aam Aadmi Bima Yojana (AABY) is meant for people involved in certain jobs, for instance , Carpentry, Fishing, Handloom weaving, then on There are 48 such defined vocations. Before 2013, there have been two strategies of comparative nature, AABY and Janashree Bima Yojana (JBY). After 2013, JBY was met with AABY.

The expense for Rs.30000 insurance policy is Rs. 200 for a year. The qualification standards for this policy are that one ought to be a family head or an earning individual from one’s family (around the neediness line) and ought to perform one of the 48 referenced employments.

4) Bhamashah Swasthya Bima Yojana:

Rajasthan Government upholds insurance initiatives towards its residents under the Bahmashah Swasthya Bima Yojana. This is a credit-only cases scheme for rustic individuals of Rajasthan. There is no recommended age limit for availing of the advantages of this scheme.

The people who are a piece of the National Food Security Act (NFSA) and the Rashtriya Swasthya Bima Yojana (RSBY) are additionally equipped for this insurance policy. This scheme covers hospitalization costs for general disease just as basic sicknesses according to the agreements. It covers both in-patients just as out-patient costs.

5) Central Government Health Scheme (CGHS):

As the name recommends, this policy is initiated by India’s Central Government. Focal Government workers are qualified for this policy. For instance, Supreme Court judges, Certain Railway Board workers, and so on This policy has been dynamic for a long time and has covered in excess of 35 lakh workers and beneficiaries.

Hospitalization, just as domiciliary consideration, is covered according to this current arrangement’s agreements. Focal Government Health Insurance Scheme covers Allopathy and Homeopathy also. It is accessible in 71 urban communities and the arrangement is to extend the extension to more regions.

6) Chief Minister’s Comprehensive Insurance Scheme:

This is a state government scheme. It is advanced by Tamil Nadu Government in relationship with United India Insurance Company Ltd. The Chief Minister’s Comprehensive Insurance Scheme is a family floater plan intended for quality health care.

One can guarantee hospitalization expenses up to Rs. 5 lakhs under this policy. Select government and private medical clinics are a piece of this scheme. Individuals residing in Tamil Nadu earning not as much as Rs. 75000 yearly are qualified for this scheme. In excess of 1,000 methods are covered under the Chief Minister’s Comprehensive Insurance Scheme.

7) Employees’ State Insurance Scheme:

Countless individuals worked in manufacturing plants post-independence in India. The working conditions were with the end goal that there were injuries and passings also. This is the place where the idea of insurance was demonstrated gainfully. Representatives’ State Insurance Scheme was dispatched in the year 1952 to offer a financial cover if there should be an occurrence of sickness, inability, or passing looked by insured specialists/workers.

Initially, just Kanpur and Delhi were thought of, however, the extent of the scheme extended with time. This policy got an overhaul in the year 2015. Presently, in excess of 7 lakh production lines are a piece of this scheme.

8) Karunya Health Scheme:

Kerala Government had dispatched this drive in the year 2012. Karunya Health Scheme is coordinated towards giving Health Insurance to recorded ongoing diseases. It is a Critical Illness plan for destitute individuals and covers huge ailments, for instance, Cancer, Kidney Ailments, Heart-related clinical issues, and so forth

Those underneath or near the neediness line can enlist themselves for this cover. Aadhaar Card and appropriate Income Certificate are required for this scheme. There were stories that this scheme has been repealed, regardless, they were simply bits of tattle as this scheme is at this point dynamic.

9) Mahatma Jyotiba Phule Jan Arogya Yojana:

This arrangement is started by the Government of Maharashtra for the advancement of its discouraged individuals. Rajiv Gandhi Jeevandayee Arogya Yojana was renamed Mahatma Jyotiba Phule Jan Arogya Yojana in the year 2017.

Ranchers from select areas and individuals underneath and around the destitution line across all locales are qualified for this scheme. It is a family cover with an advantage of Rs. 150000. The sicknesses referenced as considerations in the scheme will be covered from the very first moment, with no holding up period except if indicated.

10) Mukhyamantri Amrutum Yojana:

The Government of Gujarat dispatched the Mukhyamantri Amrutum Yojana in the year 2012 to serve the state’s needy individuals. Lower working-class families and those living underneath the destitution line are qualified for this cover.

This scheme offers a front of Rs. 3 lakhs for a year on a family floater premise. Treatment can profit in various sorts of emergency clinics like public clinics, private emergency clinics, trust-based clinics, Grant-in-Aid clinics, etc.

11) Pradhan Mantri Suraksha Bima Yojana:

This scheme appeared to offer mishap insurance to individuals of India. In 2016, it was seen that just 20% of the Indian residents had insurance cover. Nonetheless, Pradhan Mantri Suraksha Bima Yojana tries to change this measurement in a positive way.

Individuals who matured from 18 to 70 and having a financial balance can profit from the advantages of this scheme. This approach offers a yearly front of Rs. 1 lakh for halfway inability and Rs. 2 lakhs for absolute inability/demise for a premium of Rs. 12. The premium gets charged consequently from the safeguarded individual’s financial balance.

12) Dr. YSR Aarogyasri Health Care Trust Andhra Pradesh State Government:

The Andhra Pradesh Government alongside the Dr. YSR Aarogyasri Trust, which works for health care, has thought of four useful government assistance schemes. These schemes take into account various individuals and help them on the schedule of need.

Here are the four schemes:

  1. Dr. YSR Aarogyasri – This scheme is devoted to the government assistance of poor people.
  2. Aarogya Raksha – This scheme is intended to help individuals Above Poverty Line (APL).
  3. Working Journalist Health Scheme – This scheme is intended for writers and it offers cashless treatment if there should arise an occurrence of recorded systems.
  4. Employee Health Scheme – This scheme is to support state government workers.

13) Telangana State Government – Employees and Journalists Health Scheme:

This health scheme is offered by the Telangana Government for its workers and writers. It is advantageous for the individuals who are right now filling in just like the people who have resigned and are beneficiaries. The feature of this scheme is the cashless treatment.

Recipients can move toward clinics that are a piece of this scheme and benefit from cashless treatment for specific treatments according to the agreements. This side the recipients as they don’t need to race to accumulate assets for medical costs in a crisis.

14) Rashtriya Swasthya Bima Yojana:

This scheme is coordinated towards individuals working in the chaotic area. Often, they are not covered under any insurance strategy. What’s more, in such a situation, on the off chance that they become sick – which happens much of the time – their reserve funds get depleted. In this manner, they are always unable to guarantee they have investment funds in the bank. This is the place where health insurance can demonstrate accommodating to them.

Rashtriya Swasthya Bima Yojana is started by the Indian Government’s Ministry of Labor and Employment. People laborers in the chaotic area and underneath the destitution line are covered under this scheme. The cover likewise stretches out to their family (limit of five individuals).

15) Universal Health Insurance Scheme:

All around the world, a great deal of created and agricultural countries have a type of health care schemes to serve their needy individuals. In India, the Universal Health Insurance Scheme tries to do that and considerably more. This scheme can be benefited by the least fortunate of the poor in the age gathering of 5 to 70 years.

Universal Health Insurance Scheme offers individuals just as gathering health insurance. It covers hospitalization, mishap, and handicap. The premium differs according to the size of the family. Those falling under the destitution line need to show legitimate documentation to profit from the strategy.

16) Yeshasvini Health Insurance Scheme:

The Yeshasvini Health Insurance Scheme is advanced by the Karnataka State Government. It is intended for ranchers and workers related to a co-employable society. In excess of 800 strategies (Orthopedic, Neurology, Angioplasty, etc.) are covered according to this insurance strategy.

Co-usable social orders help the laborers and ranchers to get taken on the Yeshasvini Health Insurance Scheme. The recipients can profit from health care through network clinics. The scheme stretches out its advantages to the relatives of the fundamental recipient also.

17) West Bengal Health Scheme:

This scheme was dispatched by the Government of West Bengal for its workers in the year 2008. It is additional material for beneficiaries. It got an update in the year 2014 and was called West Bengal Health for All Employees and Pensioners Cashless Medical Treatment Scheme.

This cover is for a person just as the relatives and the total protected is Rs. 1 lakh. The arrangement covers OPD and medical procedures according to the agreements. Its special cases incorporate corrective medical procedures and non-crisis systems.

Top Features And Benefits of Government Health Schemes:

Here is a rundown of provisions and advantages of health insurance schemes:

  • Policies are presented at a low cost.
  • Encourages individuals beneath the destitution line to profit insurance.
  • Ensures the needy individuals have a type of insurance cover.
  • The government started strategies to assist policyholders with feeling guaranteed.

Related Blogs:

Third Party Insurance
Types of Insurance