How can I get free health insurance: We need to have insurance for our bodies just as we need to keep our bodies healthy in our daily life, And if you want to know about free health insurance then I think you have come to a good site. And if you want to get free health insurance, you have to join the Indian Government Health Insurance Scheme. Let’s see how you get involved with the government health insurance scheme.
Governments around the world work to provide good quality health care to their people. Creating awareness about health issues, ensuring strong infrastructure, and promoting health insurance are productive activities conducted by the authorities for the welfare of the people. The Government of India also takes such measures from time to time. Read on to know more about government health insurance schemes in India.
What is a Government Health Insurance Scheme? – (How can I get free health insurance?)
It is a central or state government scheme designed to provide adequate coverage in low-cost insurance coverage. This type of health insurance policy is usually offered on an annual basis.
If your financial situation is very bad then you have no worries and if you are thinking of getting free insurance then you can join the government insurance scheme. You can get good treatment at a low cost in the government insurance scheme and you will get financial help in case of an accident.
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Regular Health Insurance Plans vs Government Health Insurance Scheme:
| Features | Basic Health Insurance | Government Health Insurance Scheme |
| Eligibility | Available to all sections of society | Available to lower-income groups only |
| Sum Insured | Maximum sum insured of up to Rs 1 crore | Maximum sum insured of up to Rs 5 lakh |
| Premium | Rs 200 per month onwards (depending on the plan) | Rs 100 per month onwards or fully paid by the government(depending on the plan) |
| Coverage | Offers a broader coverage | Offers a narrow coverage |
| Private Hospital Room | Available(depending on the plan) | Mayor may not be available |
| Policy Purchase | A policy can be purchased instantly | Policy purchase may take time |
| Network Hospitals | Wide network of impaneled private hospitals | A large number of public and private network hospitals |
| Maternity Benefits | Available(depending on the plan) | Available(Only for a single child in some cases) |
| Ambulance Charges | Available under most plans | Available under a few plans |
| Domiciliary Hospitalization Cover | Available(depending on the plan) | Not available (How can I get free health insurance?) |
| Online Renewal | Can be renewed online | Mayor may not be renewed online |
| Cumulative Bonus | Available if no claim was filed in the previous policy year | Not available |
| Health Check-up | Covered under some plans | Not covered |
| Monthly Premium Instalment Facility | Available under some plans | Not available |
| Tax Benefits | Available under Income Tax Act 1961 | Not available (How can I get free health insurance?) |
Types of Government Health Insurance Schemes:
The Government of India’s Health Insurance Scheme aims to provide financial and medical assistance to the middle class and the poor. Not only India Soccer but also the state government has started or is doing this insurance scheme.
Read ahead to know more about the several health insurance schemes by the Government of India:
1. Ayushman Bharat Yojana:
Ayushman Bharat Yojana is a universal health insurance scheme of the Ministry of Health and Family Welfare, Government of India. PMJAY was launched to provide free healthcare to over 40% of the country’s population. The scheme offers a healthy cover of Rs 5 lakh. Under this scheme, it covers drug diagnostic costs, and medical and hospitalization costs. Poor families in India can benefit from this health care project.
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2. Pradhan Mantri Suraksha Bima Yojana: How can I get free health insurance in India?
The Prime Minister’s Suraksha Bima Yojana aims to provide accident insurance cover to the people of India. People between the ages of 18 and 60 who have a bank account can avail the benefits of this scheme. The policy pays Rs 2 lakh per annum for total disability and death cover and Rs 1 lakh for partial disability. The policy premium is automatically debited from the policyholder’s bank account.
3. Aam Aadmi Bima Yojana (AABY): (How can I get free health insurance?)
It is one of the latest national health insurance schemes established in October 2006. It covers people between the ages of 18 and 59. The AABY insurance scheme is designed for advice and all citizens living in rural areas. It covers landless citizens who are tenants living in both urban and rural areas. This includes providing scholarships to disadvantaged children.
Basically, the head of the household or the earning member is protected by this scheme. The premium of Rs.200 per annum is shared equally between the state and the central government. In case of normal death, the family has compensated Rs. 30,000. However, in case of death due to permanent disability, 75,000 compensation is paid to the family.
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4. Central Government Health Scheme (CGHS): (How can I get free health insurance?)
This scheme once began in the 12 months of 1954 and gives comprehensive health care facilities for central govt officers and pensioners dwelling in towns. Operations of this scheme take place in towns corresponding to Kolkata, Mumbai, Lucknow, Delphi, Nagpur, and Pune. The people coated by this scheme are required to be dwelling in India.
This is a National Health Company Online Renewal program that incorporates the privilege of health schooling to the beneficiaries. This scheme has the next major parts: All dispensary-related products and services together with domiciliary care.
How can I get free health insurance? (How can I get free health insurance?)
In addition, the beneficiaries of this scheme have the privilege of being hospitalized every time they get ill.
On the opposite hand, every time you might have an X-ray or laboratory examination necessities, they would be supplied free beneath this particular scheme. The most important benefit of this National Health Insurance scheme is that it provides unfastened experts consultations each at health facility degrees and dispensaries.
5. Employment State Insurance Scheme:
It is a multidimensional national health insurance scheme because it provides social security as well as socio-economic protection to all workers in India. In addition, it provides the same benefits to those who rely on protected workers under the scheme.
This insurance scheme starts on the first day of each worker’s insurable employment. Full medical care insurance is provided for themselves and their families.
On the other hand, those who are covered under this scheme (mainly workers) are also entitled to a wide range of cash benefits. They include cash during physical distress such as illness or even when someone is disabled it can be temporary or permanent.
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How can I get free health insurance?
In addition, any woman who loses her ability to earn or is dependent on people injured in a professional accident is entitled to a monthly pension, commonly referred to as a dependent benefit. This scheme does not apply to every individual or company. This only applies to all permanent factories employing more than ten employees.
Recently, the scheme has expanded to various businesses including shops, restaurants, road and motor transport, and newspaper companies employing more than 20 people.
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How can I get free health insurance in India?
6. Janshree Bima Yojana: How can I get free health insurance in India?
Janshree Bima Yojana is designed for individuals in the poor category who are within the age group of 18-59 years. The scheme includes special features like Women SHG Groups and Shiksha Sahyog Yojana. At present, there are 45 occupational groups under this scheme.
7. Chief Minister’s Comprehensive Insurance Scheme: How can I get free health insurance in India?
The Chief Minister’s Comprehensive Insurance Scheme is a scheme of the Tamil Nadu State Government. It was launched in association with United India Insurance Company Limited. It is a family floater policy designed to provide quality healthcare services to the people. This scheme covers more than one thousand medical procedures.
Under this policy, you can claim up to Rs 5 lakh for hospitalization costs. Beneficiaries can choose from private and government hospitals under this scheme. Residents of Tamil Nadu with an annual income of less than Rs 75,000 per annum are eligible to register under this scheme.
8. Universal Health Insurance Scheme (UHIS):
This type of project was implemented to help families living below the poverty line. It covers the medical expenses of each member of the family. In case of death due to an accident, a cover is provided.
The main drivers of the Universal Health Insurance Scheme are the four public sector general insurance companies that aim to improve the healthcare of the disadvantaged and especially the economically disabled citizens of India.
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Once a family member is admitted to the hospital, the scheme can save up to Rs 30,000. However, when the family earner is admitted to the main hospital, the universal health insurance scheme pays a total of Rs. 50 daily for a maximum of 15 days. So we can say that this insurance scheme is designed for families below the poverty line.
9. West Bengal Health Scheme: How can I get free health insurance in India?
The Government of West Bengal launched this scheme for its workers in the 12 months in 2008. It may be available for the pensioners. This coverage is equipped on both person and family floater basis up to a sum insured of Rs 1 lakh. The policy covers OPD treatment and scientific surgeries in step with the policy terms and conditions.
10. Yeshasvini Health Insurance Scheme: How can I get free health insurance in India?
The Karnataka State Government promotes the Yashswini Health Insurance Scheme. This project is useful for farmers and cultivators and those who are associated with a cooperative society. This health insurance scheme covers more than 800 medical procedures such as neurology, orthopedic, angioplasty, etc.
Cooperative societies help farmers to enroll in the health insurance scheme. Beneficiaries can get healthcare services through the network hospital and the coverage facility is extended to the family members of the beneficiary.
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11. Mahatma Jyotiba Phule Jan Arogya Yojana: How can I get free health insurance in India?
The Maharashtra government has introduced this health insurance policy for the benefit of the people of the surrounding states. The scheme is going to help the people below the poverty line and farmers in Maharashtra were noticed.
The policy offers family health cover up to Rs 1.5 lakh for certain illnesses. The best part of this policy is that there is no waiting period, and it can be claimed after the first day unless it is specifically mentioned in the terms of the policy.
12. Mukhyamantri Amrutam Yojana: How can I get free health insurance in India?
The Chief Minister Amritam Yojana was launched by the Gujarat government in 2012 for the benefit of the poor people living in Gujarat. Lower middle-income groups and people below the poverty line are eligible to enroll under this scheme.
This is a family floater health insurance policy that provides coverage up to Rs 3 lakh per time. Policyholders can avail treatment from private or government hospitals as well as trust-run hospitals.
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13. Karunya Health Scheme:
The scheme was launched by the Kerala government in 2012 to provide health cover for listed chronic diseases. It is a critical illness plan for the poor and covers major diseases like kidney, cancer, cardiovascular disease, etc.
People below the poverty line can enroll in this scheme. The beneficiary must provide proof of income and a copy of the Aadhaar card.
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14. Telangana State Government Employees and Journalists Health Scheme: How can I get free health insurance in India?
The Telangana government has introduced this scheme for its journalists and employees. It is beneficial for working, retired, and pensioners. Beneficiaries of this scheme can avail of cashless treatment at registered hospitals. Beneficiaries do not have to rush to raise funds for emergency medical expenses.
15. Dr. YSR Aarogyasri Health Care Trust:
Andhra Pradesh government launches four health welfare projects with Dr. YSR Arogyashree Trust. These schemes offer medical cover to different people and help them in a medical emergency.
The schemes are given below:
- Dr. YSR Aarogyasri’s scheme for the welfare of the poor
- Arogya Raksha scheme is for Above the Poverty Line (APL)
- Working Journalist Health Scheme that provides cashless treatment cover for specified procedures
- Employee Health Scheme provides health cover to the state government employees
16. Bhamashah Swasthya Bima Yojana:
This is a specific initiative to provide healthcare coverage to rural residents of Rajasthan. Individuals who are eligible to avail of benefits from the State Health Insurance Scheme and National Food Security Act (NFSA) are also eligible to opt for this scheme. Another important aspect to keep in mind is that there is no upper limit on the age of the policyholder.
17. Awaz Health Insurance Scheme:
It is a health insurance cover for migrant workers and the Kerala government has introduced it. It provides insurance for workers who die in an accident. The project was launched in 2017 and targets 5 lakh inter-state migrant workers working in Kerala. The health insurance coverage provided under Awaaz Health Insurance is Rs. 15000 whereas death cover is Rs. 2 lakhs.
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This policy can be obtained by workers between the ages of 18 and 60. They will be provided with a sound health insurance card, biometric information, and other work-related documents after submission of enrollment details and will be processed.
Features and Benefits of Government Health Insurance Schemes: How can I get free health insurance in India?
The features and benefits of government health insurance schemes are given below:
- Government health insurance schemes are offered at a low price
- With this policy, BPL families can also avail of insurance benefits
- The policy ensures coverage for the poor people
- The policy includes treatment in both private and government hospitals for better healthcare.