There are several government govt health insurance plans & schemes in India that provide coverage to a large portion of the Indian population. Here are the top 10 list of government health insurance plans:
- Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY)
- Rashtriya Swasthya Bima Yojana (RSBY)
- Central Government Health Scheme (CGHS)
- Employees’ State Insurance Corporation (ESIC)
- Aam Aadmi Bima Yojana (AABY)
- New India Assurance Company Limited (NIACL)
- United India Insurance Company Limited (UIIC)
- National Health Insurance Scheme (NHIS)
- Oriental Insurance Company Limited (OICL)
- Star Health and Allied Insurance Company Limited
What is Govt Health Insurance Plans?
Government Govt health insurance plans in India are health insurance schemes that are implemented and funded by the government. These plans provide coverage for medical expenses incurred for hospitalization, as well as for outpatient treatment and diagnostic tests. They are typically available to specific categories of people, such as government employees, unorganized sector workers, small and marginal farmers, and more.
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY)
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY), also known as the National Health Protection Scheme (NHPS), is a government-funded health insurance scheme in India. It aims to provide coverage of up to 5 lakh INR per family per year for secondary and tertiary care hospitalization to eligible beneficiaries. PMJAY covers pre-existing conditions and provides free treatment for a range of diseases, including heart attacks, kidney failure, certain types of cancer, and more.
This is a national health protection scheme that provides coverage of up to 5 lakh INR per family per year for secondary and tertiary care hospitalization. It covers pre-existing conditions and also provides free treatment for a range of diseases.
To be eligible for PMJAY, you must be a resident of India and belong to one of the following categories:
- Poor and vulnerable families listed in the SECC database
- Families not listed in the SECC database but living below the poverty line (BPL)
- Families not listed in the SECC database but identified as vulnerable based on specific criteria
- Unorganized sector workers and their families, including migrant workers, construction workers, street vendors, etc.
To enroll in PMJAY, you need to approach the nearest PMJAY enrollment center or Common Service Center (CSC) and submit the necessary documents, such as proof of identity and residence. You can also enroll online through the PMJAY website or mobile app.
PMJAY provides cashless treatment at empaneled hospitals, which means you don’t have to pay for treatment upfront. The hospital will bill PMJAY directly for the treatment provided. You can find a list of empaneled hospitals on the PMJAY website or by calling the toll-free number 1800-111-565.
It’s important to note that the coverage and eligibility criteria for PMJAY are subject to change. It’s always a good idea to check with the relevant authorities or insurance providers to get the most up-to-date information on this govt health insurance plans & scheme.
Rashtriya Swasthya Bima Yojana (RSBY)
Rashtriya Swasthya Bima Yojana (RSBY) is a health insurance scheme in India that provides coverage of up to 30,000 INR per family per year for hospitalization to unorganized sector workers and their families. Unorganized sector workers are those who are not covered by any other social security scheme, such as government employees or organized sector workers. This includes migrant workers, construction workers, street vendors, etc.
To be eligible for RSBY, you must be a resident of India and belong to one of the following categories:
- BPL households (as defined by the SECC database)
- Unorganized sector workers, including migrant workers, construction workers, street vendors, etc.
- Beggars, manual scavengers, and domestic workers
- Building and other construction workers registered with the Building and Other Construction Workers’ Welfare Boards
- Sanitation workers, including safai karmacharis
To enroll in RSBY, you need to approach the nearest RSBY enrollment center or Common Service Center (CSC) and submit the necessary documents, such as proof of identity and residence. You can also enroll online through the RSBY website or mobile app.
RSBY provides cashless treatment at empaneled hospitals, which means you don’t have to pay for treatment upfront. The hospital will bill RSBY directly for the treatment provided. You can find a list of empaneled hospitals on the RSBY website or by calling the toll-free number 1800-180-1111.
It’s necessary to keep in mind that the RSBY’s eligibility requirements and coverage may vary. To receive the most recent information about this programme, it is usually a good idea to contact the relevant govt health insurance plan scheme of the companies.
Central Government Health Scheme (CGHS)
Central Government Health Scheme (CGHS) is a health insurance scheme in India for government employees, retired government employees, and their dependents. It provides coverage for medical expenses incurred for hospitalization, as well as for outpatient treatment and diagnostic tests.
To be eligible for CGHS, you must be a government employee, retired government employee, or dependent of a government employee or retired government employee. This includes employees of central government ministries and departments, public sector undertakings, autonomous bodies, and other organizations.
To enroll in CGHS, you need to approach the nearest CGHS enrollment center and submit the necessary documents, such as proof of identity, proof of employment or retirement, and proof of relationship (if you are a dependent). You will also need to pay the required premium.
CGHS provides cashless treatment at empaneled hospitals, which means you don’t have to pay for treatment upfront. The hospital will bill CGHS directly for the treatment provided. You can find a list of empaneled hospitals on the CGHS website or by contacting your local CGHS office.
It’s critical to remember that the CGHS eligibility requirements and coverage requirements are subject to change. To receive the most recent information about this central government health insurance plan scheme, it is always a good idea to check with the relevant authorities or insurance providers.
Employees’ State Insurance Corporation Scheme (ESICS)
This is a health insurance scheme for employees in the organized sector, such as factories, mines, plantations, and ports. It provides coverage for medical expenses incurred for hospitalization, as well as for outpatient treatment and diagnostic tests.
Employees’ State Insurance Corporation Scheme (ESICS) is a health insurance scheme in India for employees in the organized sector, such as factories, mines, plantations, and ports. It provides coverage for medical expenses incurred for hospitalization, as well as for outpatient treatment and diagnostic tests.
To be eligible for ESICS, you must be an employee in the organized sector and earning up to 21,000 INR per month. Your employer must be registered with the Employees’ State Insurance Corporation (ESIC).
To enroll in ESICS, your employer needs to register with the ESIC and contribute a portion of your salary towards the scheme. As an employee, you will also need to contribute a portion of your salary towards the scheme.
ESICS provides cashless treatment at empaneled hospitals, which means you don’t have to pay for treatment upfront. The hospital will bill ESICS directly for the treatment provided. You can find a list of empaneled hospitals on the ESIC website or by contacting your local ESIC office.
It’s essential to remember that the ESICS qualifying requirements and coverage may vary. To receive the most recent information about this employees health insurance plan, it is usually a good idea to contact the relevant authorities or insurance companies.
Aam Aadmi Bima Yojana (AABY)
Aam Aadmi Bima Yojana (AABY) is a life insurance and accidental death and disability insurance scheme in India for landless households and small and marginal farmers. It is implemented by the Ministry of Labour and Employment in partnership with public sector insurance companies.
Under AABY, beneficiaries are entitled to a life insurance cover of 30,000 INR in the event of natural death, and an accidental death and disability cover of 75,000 INR. The scheme also provides a scholarship of 200 INR per month for two children of the beneficiary for a period of 10 years.
To be eligible for AABY, you must be a resident of India and belong to one of the following categories:
- Landless households
- Small and marginal farmers with less than 2 hectares of land
To enroll in AABY, you need to approach the nearest AABY enrollment center and submit the necessary documents, such as proof of identity and residence. You will also need to pay the required premium.
It’s crucial to keep in mind that the Aam Aadmi Bima Yojana’s (AABY) qualifying requirements and coverage may vary. To receive the most recent information about this programme, it is usually a good idea to contact the relevant govt agencies and health insurers.
New India Assurance Company Limited (NIACL)
New India Assurance Company Limited (NIACL) is a government-owned general insurance company in India. It offers various health insurance plans for individuals and families, including coverage for hospitalization, outpatient treatment, and diagnostic tests. This general insurance firm, which is controlled by the government, provides different health insurance plans for individuals and families, including inpatient care, outpatient therapy, and diagnostic tests.
Some of the health insurance plans offered by NIACL include:
- MediClassic: This is a basic health insurance plan that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures.
- MediClassic Plus: This is an upgraded version of the MediClassic plan that offers additional coverage for outpatient treatment, diagnostic tests, and alternative therapies.
- MediPrime: This is a comprehensive health insurance plan that covers hospitalization, outpatient treatment, diagnostic tests, alternative therapies, and more.
- MediPrime Plus: This is an upgraded version of the MediPrime plan that offers additional coverage for pre-existing conditions, organ transplant, and emergency ambulance services.
To be eligible for NIACL health insurance plans, you must be a resident of India and meet the specific eligibility criteria for the plan you are interested in.
To enroll in a NIACL health insurance plan, you can visit the NIACL website or contact a NIACL agent to get more information and fill out an application form. You will also need to pay the required premium.
It’s important to point out that the NIACL health insurance plans’ coverage and qualifying requirements are subject to change. In order to receive the most recent information about these policies, it is usually a good idea to contact the relevant government agencies or insurance companies.
United India Insurance Company Limited (UIIC)
United India Insurance Company Limited (UIIC) is a government-owned general insurance company in India. It offers various health insurance plans for individuals and families, including coverage for hospitalization, outpatient treatment, and diagnostic tests.
Some of the health insurance plans offered by UIIC include:
- Family Floater Health Insurance: This is a basic health insurance plan that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures for the entire family.
- Senior Citizen Health Insurance: This is a health insurance plan designed specifically for senior citizens that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures.
- Individual Health Insurance: This is a health insurance plan for individuals that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures.
- Group Health Insurance: This is a health insurance plan for groups, such as employees of a company or members of a society, that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures.
To be eligible for UIIC health insurance plans, you must be a resident of India and meet the specific eligibility criteria for the plan you are interested in.
To enroll in a UIIC health insurance plan, you can visit the UIIC website or contact a UIIC agent to get more information and fill out an application form. You will also need to pay the required premium.
It’s crucial to remember that the UIIC health insurance plans’ qualifying requirements and coverage may vary. In order to receive the most recent information about these policies, it is usually a good idea to contact the relevant government agencies or insurance companies.
National Health Insurance Scheme (NHIS)
National Health Insurance Scheme (NHIS) is a health insurance scheme in India that provides coverage for hospitalization, outpatient treatment, and diagnostic tests. It is implemented by the Ministry of Health and Family Welfare in partnership with public sector insurance companies.
To be eligible for NHIS, you must be a resident of India and meet the specific eligibility criteria for the scheme. In general, NHIS is available to all citizens of India, but certain categories of people, such as government employees and organized sector workers, may be covered under other health insurance schemes.
To enroll in NHIS, you need to approach the nearest NHIS enrollment center and submit the necessary documents, such as proof of identity and residence. You will also need to pay the required premium.
NHIS provides cashless treatment at empaneled hospitals, which means you don’t have to pay for treatment upfront. The hospital will bill NHIS directly for the treatment provided. You can find a list of empaneled hospitals on the NHIS website or by contacting your local NHIS office.
It’s significant to remember that the NHIS’s eligibility requirements and coverage may vary. To receive the most recent information about this programme, it is usually a good idea to contact the relevant government agencies or insurance companies.
Oriental Insurance Company Limited (OICL)
Oriental Insurance Company Limited (OICL) is a government-owned general insurance company in India. It offers various health insurance plans for individuals and families, including coverage for hospitalization, outpatient treatment, and diagnostic tests.
Some of the health insurance plans offered by OICL include:
- Family Floater Health Insurance: This is a basic health insurance plan that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures for the entire family.
- Senior Citizen Health Insurance: This is a health insurance plan designed specifically for senior citizens that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures.
- Individual Health Insurance: This is a health insurance plan for individuals that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures.
- Group Health Insurance: This is a health insurance plan for groups, such as employees of a company or members of a society, that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures.
To be eligible for OICL health insurance plans, you must be a resident of India and meet the specific eligibility criteria for the plan you are interested in.
To enroll in an OICL health insurance plan, you can visit the OICL website or contact an OICL agent to get more information and fill out an application form. You will also need to pay the required premium.
It’s important to keep in mind that the OICL health insurance plans’ coverage and qualifying requirements are subject to change. In order to receive the most recent information about these policies, it is usually a good idea to contact the relevant govt ministries or insurance providers.
Star Health and Allied Insurance Company Limited
Oriental Insurance Company Limited (OICL) is a government-owned general insurance company in India. It offers various health insurance plans for individuals and families, including coverage for hospitalization, outpatient treatment, and diagnostic tests.
Some of the health insurance plans offered by OICL include:
- Family Floater Health Insurance: This is a basic health insurance plan that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures for the entire family.
- Senior Citizen Health Insurance: This is a health insurance plan designed specifically for senior citizens that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures.
- Individual Health Insurance: This is a health insurance plan for individuals that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures.
- Group Health Insurance: This is a health insurance plan for groups, such as employees of a company or members of a society, that covers hospitalization, pre- and post-hospitalization expenses, and some day-care procedures.
To be eligible for OICL govt health insurance plans, you must be a resident of India and meet the specific eligibility criteria for the plan you are interested in.
What are the Benefits of Government Health Insurance Plans In India?
Government health insurance plans in India offer a range of benefits to eligible beneficiaries. Some of the key benefits of these plans include:
- Affordable premiums: Government health insurance plans often have lower premiums compared to private insurance plans, making them more accessible for low-income families and individuals.
- Wide coverage: Government health insurance plans typically offer comprehensive coverage for hospitalization, outpatient treatment, and diagnostic tests. They may also cover pre-existing conditions and provide free treatment for a range of diseases, such as heart attacks, kidney failure, certain types of cancer, and more.
- Cashless treatment: Most government health insurance plans offer cashless treatment at empaneled hospitals, which means you don’t have to pay for treatment upfront. The hospital will bill the insurance provider directly for the treatment provided.
- Wide network of hospitals: Government health insurance plans have a wide network of empaneled hospitals across the country, making it easier for beneficiaries to access medical treatment.
- Easy enrollment: Govt health insurance plans often have simple and streamlined enrollment processes, making it easy for eligible beneficiaries to enroll.
It’s important to note that the coverage and eligibility criteria for government health insurance plans in India are subject to change. It’s always a good idea to check with the relevant authorities or insurance providers to get the most up-to-date information on these plans.
These schemes provide coverage for medical expenses related to hospitalization, surgeries, consultations, and other medical procedures. They may also cover pre-existing conditions, subject to certain terms and conditions. Eligibility for these govt health insurance plans & schemes may depend on factors such as employment status, income level, and residence.
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