Pradhan Mantri Jan Arogya Yojana under Ayushman Bharat
As recommended by the National Health Policy 2017, Ayushman Bharat, a flagship of the Indian government, was initiated to achieve the vision of Universal Health Coverage (UHCC). The government suggests health coverage of up to Rs 5,00,000 per family per year. Over 10.74 crore disadvantaged and needy qualified households are entitled to these benefits.
Girls, women and the elderly have priority under this program. Hospitals are not allowed to charge recipients extra money for care. Any pre-existing disease that falls under the system. It covers pre-hospital costs such as medication and diagnostics for up to 3 days. This insurance system covers fees for diagnostic care, prescriptions, room costs, medical fees, surgeon fees, equipment, intensive care and OT fees. Fertility treatments, cosmetic surgery, organ transplants and outpatient costs are not covered by the scheme.
Aam Aadmi Bima Yojana
The Indian government set up the Aam Aadmi Bima Yojana (AABY) in October 2007 with the aim of offering social security to professional classes in this market. It includes people who fall into such professions and covers insurance in the event of natural or accidental death and injury. The system protects participants from 48 categories listed for coverage purposes. The policy can be purchased from India’s Life Insurance Corporation (LIC), which is currently the only insurer to offer the system.
The individual should belong to the Below Poverty Line (BPL) family or a family belonging to the professional community above the poverty line. The age limit of the system is between 18 and 59 years. In the case of natural death, a benefit of Rs 30,000 is paid. In addition, Rs 75,000 is payable in the event of sudden death or absolute permanent disability. In the event of permanent partial injury due to injury, the win is limited to Rs 37,500.
Rashtriya Swasthiya Bima Yojana (RSBY)
The Indian government will provide health insurance for the Below Poverty Line (BPL) families. RSBY’s aim is to protect BPL households from financial obligations resulting from health shocks that require hospitalization. On a family floater basis, it offers a gross amount of Rs / – 30,000 per family per year.
It also offers transportation costs under a total cap of Rs. 1000 (currently with a daily limit of Rs 100 per visit). The beneficiary would pay Rs 30 per year as a registration or renewal fee.
Pradhan Mantri Suraksha Bima Yojana
After the successful appearance of Jan Dhan Yojana, our government launched “Pradhan Mantri Suraksha Bima Yojana” with a view to the poor masses. The system was introduced with the aim of increasing insurance coverage for the masses. The main highlight of this service is its low premium which is Rs 12 pa
Coverage of Rs 2,00,000 and Rs 1,00,000 in the case of partial disability is granted in the event of total disability or accidental death. An account holder between the ages of 18 and 70 who has given their consent to join or activate the auto debit feature of the PMBSY system can sign up for this system. The income generated under this system receives a tax exemption of 10 r / s (10D). In addition, the premium paid is tax-free in accordance with Section 80C EStG.
State Employment Insurance Scheme (ESIS)
The ESI program is financed by employer and employee contributions. The employer’s share is 4.75% of the employer’s wages. The employee’s contribution is 1.75% of the employee’s salary. Employees who receive less than Rs 137 / -a day as a regular salary are exempt from paying their contribution share. The law now extends to more than 7.83 factories and facilities across the country, benefiting more than 2.13 million insured individuals / family units. As of now, the cumulative recipient is over 8.28 crores. Sickness compensation in the form of cash payments equal to 70% of earnings includes employees for a maximum of 91 days per year during periods of certified illness.
Central Government Health System (CGHS)
The Central Government Health Scheme (CGHS) is a system for health facilities for current and retired employees of the Indian central government. Coverage is broad and includes hospital stays, home treatments, counseling programs, health education, etc. The program also includes allopathy as well as AYUSH non-allopathic therapies. It also offers refunds for prescriptions, purchases of items like hearing aids, artificial limbs, etc.
Universal Health Insurance System (UHIS)
On behalf of the organization / association / institution, a schedule is provided to Group Policy with the names of the members and their qualified family members who are part of the policy. It is a public health insurance system that insures groups with lower incomes so that they can afford hospital costs. It also provides personal accident insurance and compensates a family in the event of the breadwinner’s death and payment of medical bills.
The insurer will provide a medical reimbursement of Rs 30,000 in the event of hospitalization due to illness or injury. This sum insured includes Rs 2500 for normal maternity allowance and Rs 5000 for caesarean section. However, Rs 15,000 is the maximum amount that can be claimed per illness and this excludes Maternity Allowance.
State government insurance
Awaz health insurance system
The specific health insurance system that the government of Kerala set up. The system provides health insurance coverage for workers working in Kerala who are migrants. The treatment limit for hospital costs is Rs 15,000 and Rs 1 lakh for permanent accidental disability and Rs 2 lakh for accidental death.
The aim of the program is to provide the rural population of the state with cashless hospital facilities. A Bhamashah card is required to access cashless therapies. Up to Rs 30,000 may be covered under the General Illness Scheme and the limit increases to Rs 3 for Critical Illnesses.
Yeshasvini health insurance system
The government of Karnataka is offering farmers affiliated with co-operatives to join this system and seek treatment in hospitals, which are part of the network for nearly 800 medical procedures.
Mahatma Jyotiba Phule Jan Arogya Yojana
Farmers in selected districts of Maharashtra who are either below or around the poverty line are eligible for health insurance of Rs 1.5 billion.
West Bengal Health Scheme
Medical costs are reimbursed for insured beneficiaries, regardless of whether inpatient hospital stays are required in West Bengal or in nine specific hospitals outside of West Bengal. In 2014 the system was renamed West Bengal Health for all employees and retirees. The 2014 cashless medical care program enabled cashless treatment per insured member for up to Rs 1 lakh.
Rajiv Aarogyasri Community Health Insurance Scheme (RACHI)
For the rural population of Andhra Pradesh, the RACHI system is health insurance. As part of the Hospitalization and Recovery Program, the program is up to Rs 2 lakhs. In order for all family members to receive benefits under the program, family-based coverage is available.
Mukhyamantri Amrutam Yojana
The Mukhyamantri Amrutam Yojana is a health insurance program offered by the Gujarat government to families below the poverty line. Cardiovascular interventions, neurosurgery, wounds, injuries, tumors, neonatal diseases and kidney diseases are protected by the program.