Government Health Insurance Schemes in india


The Indian government has implemented several health insurance schemes to provide affordable healthcare coverage to its citizens. One prominent scheme is the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), also known as the National Health Protection Scheme (NHPS). Launched in September 2018, AB-PMJAY is one of the world's largest government-funded health insurance schemes.

Under the Ayushman Bharat scheme, eligible beneficiaries receive cashless coverage for secondary and tertiary healthcare services. The coverage extends to hospitalization expenses, including pre-existing conditions, and beneficiaries are entitled to treatment at empaneled public and private hospitals across India.

The scheme primarily targets economically vulnerable families identified based on the Socio-Economic Caste Census (SECC) database, covering approximately 500 million individuals. Beneficiary families are provided with an e-card containing their unique identification number, which facilitates cashless treatment at empaneled hospitals.

Additionally, the Indian government also operates other health insurance schemes, such as the Rashtriya Swasthya Bima Yojana (RSBY), which primarily targets workers in the unorganized sector and provides coverage for hospitalization expenses up to a certain limit.

These health insurance schemes aim to reduce out-of-pocket healthcare expenses, improve access to quality healthcare services, and provide financial protection to vulnerable sections of society. They play a crucial role in advancing the government's goal of achieving Universal Health Coverage (UHC) and promoting the overall well-being of Indian citizens.


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