some health schemes of government in india.
Answers
Answer:
Healthy India
Rashtiya Swasthiya Bima Yojana (RSBY)
Employment State Insurance Scheme (ESIS)
Central Government Health Scheme (CGHS)
Aam Aadmi Bima Yojana (AABY)
Janashree Bima Yojana (JBY)
Universal Health Insurance Scheme (UHIS)
Answer:
List of 6 Government Health Insurance Schemes in India:
1) Ayushman Bharat: This scheme came into existence because of recommendations made by the National Health Policy. Ayushman Bharat Yojana is designed keeping in mind Universal Health Coverage (UHC). Health services in India are largely segmented and Ayushman Bharat aims to make them comprehensive. It is about looking at the health sector as a whole and ensure continuous care for the people of India.
There are two components related to Ayushman Bharat: Health and Wellness Centres (HWC) and Pradhan Mantri Jan Arogya Yojana (PM-JAY). 150000 HWCs have been created in order to ensure better healthcare for the people. These HWCs are transformed versions of earlier initiatives like Sub Centres and Primary Health Centres. The PM-JAY is a health insurance scheme for the poor. It offers a health cover of Rs. 5 lakhs per family on an annual basis, and the payable premium is Rs. 30.
2) ) Awaz Health Insurance Scheme:
This is a health insurance cover for migrant workers and is initiated by the Government of Kerala. It also offers insurance for death by accident for labourers. The scheme was launched in the year 2017 and targeted 5 lakh inter-state migrant labourers working in Kerala. The health insurance coverage offered under Awaz Health Insurance is Rs.15000, while the cover for death is Rs.2 lakh.
This policy can be obtained by labourers falling in the age group of 18 to 60. They shall be provided with an Awaz Health Insurance card, post submitting and processing of enrolment details pertaining to biometric information and other work-related documents.
3) Aam Aadmi Bima Yojana:
The Aam Aadmi Bima Yojana (AABY) is meant for people involved in certain vocations such as Carpentry, Fishing, Handloom weaving, etc. There are 48 such defined vocations. Before 2013, there were two policies of similar nature, AABY and Janashree Bima Yojana (JBY). After 2013, JBY was merged with AABY.
The premium for Rs.30000 insurance policy is Rs. 200 for a year. The eligibility criteria for this policy is that one should be a family head or an earning member of one’s family (around the poverty line) and should be performing one of the 48 mentioned vocations.
4) Bhamashah Swasthya Bima Yojana:
Rajasthan Government supports insurance initiatives towards its citizens under the Bahmashah Swasthya Bima Yojana. This is a cashless claims scheme for rural people of Rajasthan. There is no prescribed age limit for availing the benefits of this scheme.
Those who are a part of the National Food Security Act (NFSA) and the Rashtriya Swasthya Bima Yojana (RSBY) are also qualified for this insurance policy. This scheme covers hospitalization expenses for general illness as well as critical illnesses as per the terms and conditions. It covers both in-patient as well as out-patient expenses.
5) Central Government Health Scheme (CGHS):
As the name suggests, this policy is initiated by India’s Central Government. Central Government employees are eligible for this policy. For example, Supreme Court judges, Certain Railway Board employees, etc. This policy has been active for six decades and has covered more than 35 lakh employees and pensioners.
Hospitalization, as well as domiciliary care, are covered as per this plan’s terms and conditions. Central Government Health Insurance Scheme covers Allopathy and Homeopathy as well. It is available in 71 cities and the plan is to expand the scope to more areas.
6) Chief Minister’s Comprehensive Insurance Scheme:
This is a state government scheme. It is promoted by Tamil Nadu Government in association with United India Insurance Company Ltd. The Chief Minister’s Comprehensive Insurance Scheme is a family floater plan designed for quality health care.
One can claim for hospitalization expenses up to Rs. 5 lakhs under this policy. Select government and private hospitals are a part of this scheme. People residing in Tamil Nadu earning less than Rs. 75000 annually are eligible for this scheme. More than a thousand procedures are covered under the Chief Minister’s Comprehensive Insurance Scheme.
These were a few health schemes by goverment of India