Buy Health Insurance Online

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.

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.

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.

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 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

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

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

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

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:

1. Dr YSR Aarogyasri 
2. Employees Health Scheme(Ehs)
3. Working Journalists Health Scheme (WJHS)
4. Amaravathi Residents Health Scheme (ARHS)
5. Aarogya Raksha Scheme
6. Amrutha Health Scheme (For Orphans And Destitute)
7. 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 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

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

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

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

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

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

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

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.

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