19 Government Health Insurance Schemes in India

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19 Popular Government Health Insurance Schemes in India 2024

We know that nowadays Health is not a luxury, but it has become a necessity….

And hence, the government of India is taking significant steps to create a healthier nation. In 2019, only around 472 million individuals in India had valid medical insurance coverage, which has now increased to 500 million Indians, according to the latest report of 2023.

So, here are 19 important schemes to consider, which have allowed millions of Indians to afford quality medical treatments without fear of financial stress.

What is Government Health Insurance?
Regular vs Government Scheme
List of Government Health Insurance Schemes
Documents Required
Frequently Asked Questions

What is a Government Health Insurance Scheme?

As the name implies, a government health insurance scheme is a medical insurance plan that is funded or sponsored by the Government at any level such as federal, state, or local.

India’s healthcare and insurance systems in rural areas are lacking in development, and thus, the national and state governments have introduced and supported several health insurance plans.

These schemes are designed to help low-income families, senior citizens, and people who can't afford private health insurance premiums.

Difference Between Regular and Government Health Insurance Schemes

The objectives of regular and government health insurance programs are the same: to keep you covered in an emergency and to make healthcare accessible. Nonetheless, the offerings of both types of policies vary greatly.

Here are some basic differences between a regular health insurance plan and a government health insurance scheme.

Factors	Regular Health Insurance	Government Health Insurance Scheme
Premium	Comparatively higher Eg: Starts from ₹200 per month (based on the plan)	Lower and Affordable Eg: Starts from ₹30 per month or paid by Government
Medical Coverage	Offers a wide range of coverage	Offers limited coverage
Sum Insured Amount	Higher amount of sum insured	Comparatively lower sum insured
Eligibility	Every Indian citizen is eligible	Only eligible for a limited section of the society
Duration for Policy Purchase	Instantly purchase	Takes a long procedure to purchase
Network Hospitals	A wide range of private hospitals	To all the Government and limited private hospitals
Hospital Room	Private hospital rooms available (as per plan)	Private hospital rooms are rarely available
Ambulance Charges	Covered under most of the plans	Covered only in limited plans
Domiciliary Hospitalization Cover	Available (as per plan)	Not available
Health Check-ups	Covered in most of the plans	Not Covered
Cumulative Bonus	Provided only if no claims were made in the previous policy year	Not provided
Renewal	Online renewal option available	Rarely Renewed online
Maternity Benefits	Available (as per the plan)	Rarely available & limited to a single child
Tax Benefit	Can avail tax benefits under the Income Tax Act 1961	Cannot be availed

List of Government Health Insurance Schemes in India 2024

India has a number of government health insurance programs that provide access to quality healthcare to different segments of the population. These programs guarantee that medical care must be accessible and affordable to underserved groups.

Here is a list of health schemes in India provided by the Government in 2024.

Pradhan Mantri Jan Arogya Yojana Under Ayushman Bharat

PM-JAY refers to a specialised health insurance policy, which is available to all economically-challenged citizens of India.

One such household can claim medical insurance coverage of up to Rs.5 lakh per year. This plan covers pre-hospitalization bills, prescription drugs, diagnostic fees, and medical care. It is one of the senior citizen health insurance schemes that is covered by the government of India.

Besides this medical coverage, the scheme has also led to the construction of around 1.5 lakh Health and Wellness Centres across the nation.

Website: Pradhan Mantri Ayushman Bharat
Coverage: Rs. 5 lakh per family per year
Helpline Number: 1800-11-4477

Number of States and Union Territories Covered:

Andaman and Nicobar Islands	Andhra Pradesh	Arunachal Pradesh	Assam	Bihar
Chandigarh	Chhattisgarh	DNH and DD	Goa	Gujarat
Haryana	Himachal Pradesh	Jammu And Kashmir	Jharkhand	Karnataka
Kerala	Ladakh	Lakshadweep	Madhya Pradesh	Maharashtra
Manipur	Meghalaya	Mizoram	Nagaland	Puducherry
Punjab	Rajasthan	Sikkim	Tamil Nadu	Telangana
Tripura	Uttar Pradesh	Uttarakhand

Awaz Health Insurance Scheme

Launched by the Kerala government in 2017, this particular insurance policy targets the inter-state labourers in Kerala, who are without medical coverage.

Besides financial assistance during medical emergencies, this scheme also offers a death benefit feature to the policyholder’s family members.

This policy is available to migrant workers who are between the ages of 18 and 60, residing in the state of Kerala. Every policyholder has access to free medical care in state-run facilities for up to Rs. 15,000.

The death benefit feature provides a payout of Rs.2 lakh to surviving family members after the policyholder’s death.

However, this facility is only available to labourers aged between 18 and 60 years. Therefore, senior citizens do not qualify for such coverage.

Age: 18-60 years of age
Website: Awaz Health Insurance
Coverage: ₹15,000 for medical care and ₹2 lakh after policyholder’s demise
Helpline Number: 1800 42555 214
States/UTs Covered: Kerala

Bhamashah Swasthya Bima Yojana

Bhamashah Swasthya Bima Yojana is a specific initiative to offer healthcare coverage to rural residents of Rajasthan.

One of the policy's features is a Rs. 5 lakh sum guaranteed for medical emergencies and treatments. The fact that female policyholders can use their Bhamashah Swasthya Bima Yojana policy cards to buy rations from approved PDS stores gives them additional benefits.

Another important aspect is that this scheme has no upper limit regarding a policyholder’s age.

Website: Bhamashah Swasthya Bima Yojana
Coverage: ₹5 lakh
Helpline Number: 0141-2693814, 9829123223
States/UTs Covered: Rajasthan

Chief Minister’s Comprehensive Insurance Scheme

In association with the United India Insurance Company, Tamil Nadu offers this impressive family floater medical insurance to the needy public in the state.

The CMCHIS, previously known as Amma Health Insurance, helps low-income families (earning less than 1,20,000/- per annum) afford healthcare by paying for hospital stays, diagnostic tests, and follow-up care.

They can claim hospitalization costs of up to Rs. 5 lakhs, which includes hospitals run by the government and private sector.

Website: Chief Minister’s Comprehensive Insurance Scheme
Coverage: ₹5 lakh
Helpline Number: 1800 425 3993
States/UTs covered: Tamil Nadu

Aam Aadmi Bima Yojana

Another highly useful health insurance scheme at a nominal price is the Aam Aadmi Bima Yojana or AABY. However, it is only available to individuals engaged in select professions.

The scheme supports 48 different vocations, mostly related to waving, carpentry, fishing and more. Apart from one of the vocations being your profession, the applicant must also be the earning family head.

Policyholders can claim coverage up to Rs.30000 in case of natural death and Rs. 75,000 in case of accidental health from such a plan by paying an annual premium of Rs.200.

Age: 18 - 59 years old
Website: Aam Admi Bima Yojna
Coverage: ₹30,000 (natural death) & ₹75,000 (accidental death)
Helpline: aabybor@gmail.com

Number of States and Union Territories Covered:

Andaman and Nicobar Islands	Andhra Pradesh	Arunachal Pradesh	Assam	Bihar
Chandigarh	Chhattisgarh	Daman & Diu	Dadra & Nagar Haveli	Delhi
Goa	Gujarat	Haryana	Himachal Pradesh	Jammu And Kashmir
Jharkhand	Karnataka	Kerala	Lakshadweep	Madhya Pradesh
Maharashtra	Manipur	Meghalaya	Mizoram	Nagaland
Odisha	Puducherry	Punjab	Rajasthan	Sikkim
Tamil Nadu	Telangana	Tripura	Uttar Pradesh	Uttarakhand
West Bengal

Central Government Health Scheme

Operated by the central government, this particular insurance plan is aimed to cater to central government employees only.

High ranking employees of Indian Railways, Supreme Court judges and other such important workers under the central government can avail benefits from this plan.

It offers hospitalization benefits, as well as domiciliary treatment coverage. Moreover, you can seek homoeopathy and allopathy expenses from such a policy as well.

Presently, CGHS is available in 82 Indian cities, covering more than 42 lakh government employees and pensioners.

Website: Central Government Health Scheme
Helpline Number: 1800-208-8900
Cities Covered: A total of 80 cities are covered

Number of Cities Covered:

Guntur	Nellore	Rajahmundry	Vijayawada	Tirupati
Vishakhapatnam	Dibrugarh	Guwahati	Silchar	Chhapra
Darbhanga	Gaya	Muzzafarpur	Patna	Chandigarh
Raipur	Delhi	Faridabad	Ghaziabad	Greater Noida
Gurgaon	Indirapuram	Sahibabad	Panaji	Ahmedabad
Gandhinagar	Sonepat	Shimla	Jammu	Srinagar
Ranchi	Dhanbad	Bengaluru	Thiruvananthapuram	Bhopal
Gwalior	Indore	Jabalpur	Mumbai	Nagpur
Pune	Imphal	Shillong	Aizwal	Kohima
Bhubaneshwar	Cuttack	Berhampur	Ambala	Amritsar
Jalandhar	Puducherry	Ajmer	Jaipur	Jodhpur
Kota	Gangtok	Chennai	Tiruchirapalli	Tirunelveli
Hyderabad	Agartala	Agra	Aligarh	Prayagraj
Bareilly	Gorakhpur	Kanpur	Moradabad	Lucknow
Meerut	Saharanpur	Varanasi	Baghpat	Dehradun
Kolkata	Jalpaiguri

Karunya Health Scheme

Karunya Health Scheme is another popular initiative by the Kerala government, the Karunya medical insurance plan offers critical illness coverage to individuals from the economically weaker sections of society.

It offers coverage for secondary and tertiary care hospitalization in both public and private hospitals, up to Rs. 5 lakhs per family annually. It pays for up to 3 days of pre-hospitalization and 15 days of post-hospitalization costs, including medications and diagnostics.

Website: Karunya Health Scheme
Coverage: ₹5 lakhs per family
Helpline Number: 0471 4063121
Cities Covered: Kerala

Employees’ State Insurance Scheme

After India’s freedom, a vast number of people were employed in factories because of the working circumstances. This is when the Employees’ state insurance scheme came into existence.

It was established in 1952 to provide financial protection for covered workers and employees in the event of illness, incapacity, or death.

While the plan was initially restricted to Kanpur and Delhi factories only, it has since been upgraded to support more than 7 lakh factories across India.

Website: Employees State Insurance Scheme
Helpline Number: 1800-11-2526

Number of States and Union Territories Covered:

Andaman and Nicobar Islands	Andhra Pradesh	Arunachal Pradesh	Assam	Bihar
Chandigarh	Chhattisgarh	Daman & Diu	Dadra & Nagar Haveli	Delhi
Goa	Gujarat	Haryana	Himachal Pradesh	Jammu And Kashmir
Jharkhand	Karnataka	Kerala	Madhya Pradesh	Maharashtra
Manipur	Meghalaya	Mizoram	Nagaland	Odisha
Puducherry	Punjab	Rajasthan	Sikkim	Tamil Nadu
Telangana	Tripura	Uttar Pradesh	Uttarakhand	West Bengal

Pradhan Mantri Suraksha Bima Yojana

The government of India vowed to increase the number of medically covered individuals in the country. The Pradhan Mantri Suraksha Bima Yojana is a step in this direction, offering accidental death and disability benefits to policyholders.

Individuals suffering from partial disabilities can claim up to Rs.1 lakh from the scheme, while those who suffer from total disability can opt for benefits of up to Rs.2 lakh. In case of sudden death, the individuals are offered Rs. 2 lakh. To receive such coverage, you would have to pay yearly premiums of Rs.20, which is directly debited from the account.

Applicants aged between 18 and 70 years holding a savings account in any bank are eligible to avail scheme-related benefits.

Age: 18 - 70 years old
Website: Pradhan Mantri Suraksha Bima Yojna
Coverage: Upto ₹2 lakh in case of sudden death and total disability
Helpline Number: 18003450330

Number of States and Union Territories Covered:

Andaman and Nicobar Islands	Andhra Pradesh	Arunachal Pradesh	Assam	Bihar
Chandigarh	Chhattisgarh	Daman & Diu	Dadra & Nagar Haveli	Delhi
Goa	Gujarat	Haryana	Himachal Pradesh	Jammu And Kashmir
Jharkhand	Karnataka	Kerala	Lakshadweep	Madhya Pradesh
Maharashtra	Manipur	Meghalaya	Mizoram	Nagaland
Odisha	Puducherry	Punjab	Rajasthan	Sikkim
Tamil Nadu	Telangana	Tripura	Uttar Pradesh	Uttarakhand
West Bengal

Mahatma Jyotiba Phule Jan Arogya Yojana

The Maharashtra government launched the Mahatma Jyotiba Phule Jan Arogya Yojana medical insurance plan for individuals below the poverty line.

However, only select district residents of Maharashtra can apply. The main objective is to give lower-class patients access to high-quality healthcare and cashless medical facilities.

The program provides health coverage of Rs. 1.5 lakh to 5 lakh per family year for treatment that necessitates hospitalization.

Website: Mahatma Jyotiba Phule Jan Arogya Yojana
Coverage: ₹1.5 lakh to ₹5 lakh for different categories
Helpline Number: 1800 233 2200
States/UTs Covered: Maharashtra

Dr YSR Aarogyasri Health Care Trust Andhra Pradesh State Government

The government launched this scheme for those who are unable to pay standard health insurance plans and seeks to guarantee access to medical care.

It offers coverage of up to Rs. 5 lakhs annually per family, and policyholders can receive cashless treatment at government hospitals by showing their health cards.

This scheme is an umbrella plan that includes different kinds of policies for Andhra Pradesh residents:

Dr YSR Aarogyasri
Employees Health Scheme(Ehs)
Working Journalists Health Scheme (WJHS)
Amaravathi Residents Health Scheme (ARHS)
Aarogya Raksha Scheme
Amrutha Health Scheme (For Orphans And Destitute)
Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB PM-Jay)

Know More about Dr YSR Aarogyasri Health Care Trust Andhra Pradesh State Government

Website: Dr YSR Aarogyasri Health Care Trust
Coverage: Upto 5 Lakhs annually per family
Helpline Number: 0863-225 9861
States/UTs Covered: Andhra Pradesh

Mukhyamantri Amrutum Yojana

Mukhyamantri Amrutum Yojana is specific scheme which was launched in 2012 as part of a Gujarat government initiative. It aims to assist the state’s citizens belonging to the lower middle class and those below the poverty line.

All policyholders receive an amount insured of Rs. 3 lakh as a part of the family floater policy. However, in the event of specialized treatments, such as a kidney, liver, or pancreas transplant, the sum insured rises to Rs. 5 lakhs.

Website: Mukhyamantri Amrutum Yojana
Coverage: ₹3 lakh to ₹5 lakh, depending on the type of treatment
Helpline Number: 1800-233-1022
States/UTs Covered: Gujarat

Rashtriya Swasthya Bima Yojana

Labourers and those individuals working in the unorganised sector often lack any health insurance coverage. However, like others, these people also face sickness and accidents. Thus, the need for medical coverage is just as pronounced for them as it is for others.

The Ministry of Labour and Employment of the Indian Government launched the Rashtriya Swasthya Bima Yojana, offering a coverage of Rs. 30,000 per family in a year on a family floater basis by paying a premium of just Rs. 30 per annum. However, only 5 family members are covered under this yojana.

Website: Rashtriya Swasthya Bima Yojana
Coverage: ₹30,000 per family per annum
Helpline: indiaportal@gov.in

Number of States and Union Territories Covered:

Assam	Bihar	Chandigarh	Chhattisgarh	Gujarat
Haryana	Himachal Pradesh	Jharkhand	Karnataka	Kerala
Madhya Pradesh	Manipur	Meghalaya	Mizoram	Nagaland
Odisha	Pondicherry	Punjab	Rajasthan	Tripura
Uttar Pradesh	Uttarakhand	West Bengal

West Bengal Health Scheme

In 2008, the West Bengal government introduced the West Bengal Health Scheme for its workers and pensioners. It was renamed in 2014 as “West Bengal Health for All Employees and Pensioners Cashless Medical Treatment Scheme 2014”.

It offers a sum insured of Rs. 2 lakh to the employee and his/her family members. The plan supports surgery costs and OPD treatments in certain cases.

Another vital point to remember is that apart from present employees, this plan also has provisions similar to those of pensioners.

Website: West Bengal Health Scheme
Coverage: ₹2 lakh per family
Helpline Number: (033)2254-4123/ (033)2254-4034
States/UTs Covered: West Bengal

Universal Health Insurance Scheme

This is one of the most affordable government health insurance schemes backed by the Indian government. Applicants aged between 5 and 70 years can opt for such coverage.

Also, individuals who can be categorized as below the poverty line can avail its benefits after submitting the necessary documents.

Hospitalization, accidental disability and more are covered under this policy. However, the policy premium depends on the size of your family and the number of covered individuals.

Know More about Universal Health Insurance Scheme

Age: 3 months - 65 years old
Website: Universal Health Insurance Scheme
Helpline Number: 1800-425 333 33

Yeshasvini Health Insurance Scheme

The Karnataka State Government promotes the Yeshasvini Health Insurance Scheme. It is intended for peasants and farmers who are part of cooperative societies.

This insurance package covers approximately 800 treatments, including angioplasty, neurology, and orthopaedics.

However, beneficiaries need to visit network medical facilities only to seek the necessary financial assistance during treatment.

Website: Yeshasvini Health Insurance Scheme
Helpline Number: 080 22269637
States/UTs Covered: Karnataka

Telangana State Government – Employees and Journalists Health Scheme

The Telangana state government offers comprehensive medical coverage to its employees and journalists. Besides existing employees, this policy covers retired or ex-employees as well.

Cashless treatment is the primary advantage of this scheme, enabling policyholders to seek treatment without facing financial shortcomings.

Government health insurance schemes in India are desirable primarily because they are available at a fraction of the cost of typical plans.

Website: Telangana - Employees and Journalists Health Scheme
Helpline Number: 040-27654107
States/UTs Covered: Telangana

Rajiv Aarogyasri Community Health Insurance Scheme (RACHI)

The Andhra Pradesh government used a novel approach to introduce the Rajiv Aarogyasri Community Health Insurance Scheme (RACHI), one of the most well-known government health insurance programs.

The Trust aims to give low-income individuals who cannot afford health insurance access to medical coverage. Under the Aarogyasri Health Insurance Scheme, any household with a yearly income of INR 5 lakh or less is eligible for coverage.

The recipients receive health cards, which they can use to receive cashless care at any network hospital.

Website: RACHI
Helpline Number: 040 - 23547107
States/UTs Covered: Andhra Pradesh

Jyothi Sanjeevini Scheme

To give all government employees access to healthcare, the Karnataka government created the Jyothi Sanjeevini Scheme (JSS). Employees will need to register with the Arogya Suraksha Trust in order to participate in the initiative.

The goal of this scheme is offering state government employees and their families cashless healthcare services. This plan provides coverage for catastrophic illnesses needing tertiary care up to Rs. 1.5 lakh annually.

Website: Jyothi Sanjeevini Scheme
Coverage: ₹1.5 lakh annually
Helpline Number: 1800 425 8330
States/UTs Covered: Karnataka

Can you Buy Government Health Insurance Schemes Online in India?

Yes! You can buy certain government health insurance schemes online in India. Some are absolutely free of cost, and some are available for affordable premiums. You just have to match the eligibility criteria to buy the particular government health insurance.

Wondering how to buy?

So, there are a few platforms that make the process of getting a Government health insurance scheme easier. It includes:

Government Websites: Most of the government health schemes are accessible throughout thier original government portals. Eg: Ayushman Bharat
Third-Party Platforms: Some government policies are also available through third-party platforms, which makes insurance policies easily available.

Documents Required to avail Government Health Insurance

Different government health insurance schemes in India require different registration documents. Here are some of the most important documents typically required for government health insurance registration.

Identity Proof: Adhar Card, PAN Card, Voter ID or Passport
Address Proof: Adhar Card or Rental Agreements
Income Certificate: Proof of Income or Below Poverty Line (BPL) certificate
Age Proof: Birth Certificate, Class 10th Marksheet or Adhar Card
Medical Reports: Diagnosis tests report or pre-existing disease documents
Bank Account Details: Passbook history for premiums payment proof

FAQs about Govt Health Insurance Schemes in India

All

How are the premiums for government health insurance policies determined?

The premiums for such plans differ based on the number of individuals covered. In some cases, schemes need beneficiaries to pay a pre-determined sum as a premium each year.

You should check the terms and conditions carefully based on the scheme you are interested in acquiring.

Are all government health insurance policies baked by the Central government?

Government initiatives offering medical insurance can either be from the state government or central government.

For instance, state government employees are only eligible to acquire medical insurance coverage provided by the state and vice versa.

What was the previous name for the Mahatma Jyotiba Phule Jan Arogya Yojana?

This particular scheme was previously known as the Rajiv Gandhi Jeevandayee Arogya Yojana. It was renamed the Mahatma Jyotiba Phule Jan Arogya Yojana in 2017.

What are the eligibility criteria for the Chief Minister’s Comprehensive Insurance Scheme?

To become eligible for this scheme, you must fulfil two major criteria. Firstly, you must be a resident of Tamil Nadu. Secondly, your household income is limited to up to Rs.1,20,000 a year.

What medical expenses are typically covered under these government schemes?

Certain medical expenses that are covered under the government schemes include medical examination, treatment, consultation, pre-hospitalization, medicine, medical consumables, non-intensive and intensive care services, diagnostic, etc.

However, not all government schemes cover these medical expenses. Before opting for a scheme, it is advised to read its policy wordings.

Can senior citizens avail of government health insurance schemes?

Yes, many health insurance schemes provide coverage for senior citizens. Under PM-JAY, all seniors above 70 years of age, regardless of their socioeconomic situation, will receive health coverage up to Rs. 5 lakh.

Are pre-existing conditions covered under these government schemes?

Yes, pre-existing conditions are covered under government health insurance schemes with zero waiting periods. These policies include Ayushman Bharat, Rashtriya Swasthya Bima Yojana (RSBY), and state-specific schemes.

The pre-existing diseases covered include high blood pressure, diabetes, asthma, thyroid disorders, heart conditions, and cancer.

Do government health insurance schemes cover maternity and newborn care?

Yes, some government health insurance schemes, such as Mahatma Jyotiba Phule Jan Arogya Yojana, Mukhyamantri Amrutam Yojana, and Universal Health Insurance Scheme, cover maternity and newborn care.

What happens if I relocate to another state? Will my coverage change?

Yes, moving to a new state will change your coverage if you have opted for any state-specific government scheme. However, any state can cover a nationwide scheme.

How do I renew my government health insurance policy?

The renewal process of government health insurance policy is done in some easy steps:

Step 1: Visit the government website to learn about the scheme you want to renew.
Step 2: Click on the “Quick renewal tab” or “Renewal” option
Step 3: Enter your details as per requirement
Step 4: Review your policy thoroughly for clauses and limits
Step 5: Make payment for renewal premium (if any)

Are government health insurance schemes available nationwide or restricted to specific states?

Some government health insurance schemes are available nationwide, whereas some are restricted to a specific state.

The schemes like the Rashtriya Swasthya Bima Yojana (RSBY) and Ayushman Bharat Yojana is to offer universal health coverage nationwide. State-specific programs like the Mahatma Jyotiba Phule Jan Arogya Yojana and the Mukhyamantri Amrutam Yojana meet regional healthcare requirements.

Are outpatient treatments covered under these schemes?

Yes, some schemes provide coverage for outpatient treatments such as Rashtriya Swasthya Bima Yojana, Karnataka Arogya Sanjeevini Scheme, etc.

Outpatient care includes diagnostic tests, minor procedures, dialysis, health checks, etc.

What are the eligibility criteria for government health insurance schemes?

The eligibility criteria for purchasing government health insurance depend on age, income, domicile, the number of people in the family, and the type of treatment.

However, the eligibility criteria for each government health insurance scheme are different based on these factors.

Are government health insurance schemes applicable to self-employed individuals?

Yes, there are certain health insurance schemes applicable for self-employed individuals, such as:

Pradhan Mantri Jan Arogya Yojana (PM-JAY)
Awaz Health Insurance Scheme
Aam Aadmi Bima Yojana

How can I check if I qualify for a specific government health insurance scheme?

To check if you qualify for a specific government health insurance scheme, you can visit their official website and read about the eligibility procedure. Factors you can check for eligibility include:

Age
Income
Employment status
Family size
State of Residence
Treatments Covered

What are the key benefits of opting for government health insurance over private plans?

There are many benefits of opting for government health insurance over private plans. It includes:

Lower or no premiums applicable
Easily affordable by BPL citizens.
Access to advanced medical care
Financial security backed by the Government

Do government health insurance schemes cover alternative therapies like Ayurveda or Homeopathy?

Yes, most government health insurance schemes cover alternative therapies like Ayurveda & homeopathy under AYUSH treatment.

Central government employees and retirees who are eligible for medical care under the Central Government Health Scheme can take AYUSH treatment. This includes medical care from several medicinal systems, such as Siddha, Yoga, Allopathy, Homoeopathy, and Ayurveda.

How long does it take for coverage to start after enrolling in a government health insurance scheme?

A government scheme's time period (waiting period) can differ from policy to policy. It can vary from 15 days to 60 days, depending on the government insurance you have.

For example, under the Yeshasvini Health Insurance Scheme (YCFHS), coverage starts on day 1 of your policy, whereas others can take a few days.

However, all Pre-existing diseases covered by health insurance are covered from day one of your policy.

Are there any exclusions or limitations to coverage under these schemes?

Yes, Government health insurance is limited to certain criteria, including age, state, income, type of treatment required, and number of family members. Each government scheme has different limitations, and hence, it is required to read the policy before proceeding.

How can I find out which hospitals or healthcare providers accept government health insurance?

If you are looking for hospitals that accept government health insurance, you must visit their website and look for the list of empaneled hospitals. You can also contact your insurer to find out the list of hospitals that are employed by your government health insurance.

For example, if you are covered under the PM-JAY Ayushman Bharat scheme, you can visit their official website and click on the list of impanelled hospitals column. After filling out your details, you can check the nearest hospitals empaneled with PM-JAY at your location.

What documents do I need to submit when applying for a government health insurance scheme?

There are certain documents that are required while applying for a government health insurance scheme. It includes:

Your Identity Proof: Aadhar Card, PAN Card
Age Certificate: 10th mark sheet, birth certificate
Income Proof: Salary Slip, BPL certificate
Bank Account Information: Passbook copy

Are there any provisions for emergency medical care under these schemes?

Yes, some government schemes provide provisions for emergency medical care, such as:

Central Government Health Scheme (CGHS)
Ayushman Bharat (Pradhan Mantri Jan Arogya Yojana - PMJAY)

Emergency medical care is provided for accidents, heart strokes, childbirth complications, etc. However, all hospitals in India (private or government) are required to accept any patient who needs emergency medical care, with or without the scheme.

How are claims processed under government health insurance schemes?

To claim any insurance from the government, you need to follow these simple steps:

Submit the documents: The required documents for each policy are different, and you have to submit them as per the requirements.
Approval: The documents are verified and forwarded for the payment process, which can take up to 15 days.
Payment: The payment can take a few days to process after the approval.

However, some government schemes, such as PM-JAY, provide cashless covers, in which you do not have to submit any documents for approval. You can visit the hospital, show your health card, and the insurer will take care of the rest.

Are there any age limits for enrolling in these schemes?

Yes, there are age limits for enrolling in government health schemes. The age can vary from policy to policy. People between the age of 5 months and 70+ can claim these benefits.

Can non-Indian citizens or NRIs avail of government health insurance schemes?

No, non-Indian citizens or NRIs cannot take advantage of government health insurance schemes. Still, they can buy specific private health insurance policies with restrictions on coverage, hospitals, high premiums, etc.

What is PM Modi 5 lakh health insurance card?

PM Modi's 5 lakh health insurance card is none other than the Ayushman Card provided under the Pradhan Mantri Jan Arogya Yojana. This scheme offers Indian citizens a sum of Rs. 5 lakh per family below the poverty line to help the citizens receive quality healthcare without any problem.

Who is eligible for Ayushman Bharat Yojana?

The eligibility criteria for Ayushman Bharat Yojana differ in rural and urban areas.

In urban areas: Only 11 occupational categories are eligible, such as beggar, ragpicker, driver, delivery assistance, etc.

In rural areas: SC/ST households, families with no earning members, landless households, families with physically challenged members, etc.

Carefully review the policy wording to know if you are eligible for this scheme.

How can I get free medical insurance in India?

The government provides various free medical insurance plans in India to ensure quality care for all individuals.

Some of these medical insurance in India include Ayushman Bharat, Pradhan Mantri Jan Arogya Yojana, Central Government Health Scheme, Rashtriya Swasthya Bima Yojana (RSBY), the Aam Aadmi Bima Yojana (AABY), etc.

How to get Pradhan Mantri medical insurance?

To get Pradhan Mantri medical insurance, you can follow these mentioned steps:

Step 1: Visit PM-JAY's official website
Step 2: Enter your mobile number and the captcha code on the screen
Step 3: Enter the OTP sent to your registered mobile number
Step 4: Now, choose the state for this program
Step 5: Update your information: Name, Ration card number, RSBY URN, or mobile number
Step 6: If you qualify, your name will appear on the website's right side
Step 7: Choose the 'Family Members' option to see the beneficiary information.

Can I use my Aadhaar card as an Identity proof to buy a Government Health Insurance Scheme?

Yes, you can use your Aadhaar card as proof of identity to buy a government health insurance scheme. However, you might need additional important documents for the scheme, such as address proof, income certificate, PAN card, age certificate, medical reports, etc.

Are there any limitations to the government health insurance schemes?

Yes, there are certain limitations to the government health insurance schemes. It is based on age, income, type of healthcare needs, location, hospital you choose, etc.

However, policy exclusions may differ among plans. As a result, it is advised to evaluate various medical plans and carefully review the policy wording to ensure that you are aware of all limitations and benefits.

What is the purpose of launching government health insurance schemes?

The Indian government established public health insurance programs to promote the well-being of its citizens. These programs make it affordable for people to access standard healthcare and provide financial support to cover healthcare expenses.

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Download Health Insurance Policy Wordings

Click here for Policy wordings | Digit Health Care plus policy - Benefit illustration

Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.

Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

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19 Popular Government Health Insurance Schemes in India 2024

Table of Contents

What is a Government Health Insurance Scheme?

Difference Between Regular and Government Health Insurance Schemes

List of Government Health Insurance Schemes in India 2024

Pradhan Mantri Jan Arogya Yojana Under Ayushman Bharat

Awaz Health Insurance Scheme

Bhamashah Swasthya Bima Yojana

Chief Minister’s Comprehensive Insurance Scheme

Aam Aadmi Bima Yojana

Central Government Health Scheme

Karunya Health Scheme

Employees’ State Insurance Scheme

Pradhan Mantri Suraksha Bima Yojana

Mahatma Jyotiba Phule Jan Arogya Yojana

Dr YSR Aarogyasri Health Care Trust Andhra Pradesh State Government

Mukhyamantri Amrutum Yojana

Rashtriya Swasthya Bima Yojana

West Bengal Health Scheme

Universal Health Insurance Scheme

Yeshasvini Health Insurance Scheme

Telangana State Government – Employees and Journalists Health Scheme

Rajiv Aarogyasri Community Health Insurance Scheme (RACHI)

Jyothi Sanjeevini Scheme

Can you Buy Government Health Insurance Schemes Online in India?

Documents Required to avail Government Health Insurance

FAQs about Govt Health Insurance Schemes in India

How are the premiums for government health insurance policies determined?

Are all government health insurance policies baked by the Central government?

What was the previous name for the Mahatma Jyotiba Phule Jan Arogya Yojana?

What are the eligibility criteria for the Chief Minister’s Comprehensive Insurance Scheme?

What medical expenses are typically covered under these government schemes?

Can senior citizens avail of government health insurance schemes?

Are pre-existing conditions covered under these government schemes?

Do government health insurance schemes cover maternity and newborn care?

What happens if I relocate to another state? Will my coverage change?

How do I renew my government health insurance policy?

Are government health insurance schemes available nationwide or restricted to specific states?

Are outpatient treatments covered under these schemes?

What are the eligibility criteria for government health insurance schemes?

Are government health insurance schemes applicable to self-employed individuals?

How can I check if I qualify for a specific government health insurance scheme?

What are the key benefits of opting for government health insurance over private plans?

Do government health insurance schemes cover alternative therapies like Ayurveda or Homeopathy?

How long does it take for coverage to start after enrolling in a government health insurance scheme?

Are there any exclusions or limitations to coverage under these schemes?

How can I find out which hospitals or healthcare providers accept government health insurance?

What documents do I need to submit when applying for a government health insurance scheme?

Are there any provisions for emergency medical care under these schemes?

How are claims processed under government health insurance schemes?

Are there any age limits for enrolling in these schemes?

Can non-Indian citizens or NRIs avail of government health insurance schemes?

What is PM Modi 5 lakh health insurance card?

Who is eligible for Ayushman Bharat Yojana?

How can I get free medical insurance in India?

How to get Pradhan Mantri medical insurance?

Can I use my Aadhaar card as an Identity proof to buy a Government Health Insurance Scheme?

Are there any limitations to the government health insurance schemes?

What is the purpose of launching government health insurance schemes?

Download Health Insurance Policy Wordings

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