India has a complex and unique health insurance scheme. There are 17 different types of schemes that cover different categories of citizens.
There are many government health insurance schemes in India, which help the common people in different ways. You can choose any one of them to get the benefits of the scheme. The government provides different types of medical insurance schemes to help the common people.
The Central Government Health Scheme (CHGS) provides healthcare to the employees and pensioners of the Central Government that are enrolled under this scheme. It covers health care under different systems of medicine, ranging from allopathy and homeopathy to Ayurveda, Unani, Siddha, and Yoga.
What is a Government Health Insurance Scheme?
A government health insurance scheme is a type of medical insurance where the government provides coverage. It is usually free of cost to the individual.
Health insurance schemes in India have evolved from the earlier one-time benefit plans which were aimed at providing financial security for the treatment of sickness and injury to the members. The insurance scheme was introduced as a result of the need for protection against unforeseen events and accidents. The first government-sponsored health insurance schemes in India were the Employees’ State Insurance (ESI) in 1952 and the National Health Service in 1953.
Some companies offer this policy as an annual benefit. This means that they will pay you an amount equal to your salary every year, no matter what happens to the stock market. However, there are some companies that offer this benefit on a quarterly basis.
List of 3 Government Health Insurance Schemes in India:
1) Ayushman Bharat:
This is one of the reasons why the national health policy was developed. This was based on recommendations made by doctors.
Ayushman Bharat Yojana is a government health scheme launched in India to provide free healthcare for poor citizens. It was aimed at providing healthcare to the poorest and marginalized sections of society.
Health care in India is largely segmented and the Ayushman Bharat (AB) aims to make health care comprehensive.
The government should help look at the whole healthcare sector as a whole and ensure that it continues to provide continuous care for the people of India.
The health and wellness centers are two separate programs under the Ayushman Bharat scheme. They were created to provide better healthcare to the rural poor.
These health care centers are transformed versions of earlier initiatives like primary health centers and sub centers.
The PM-JAY is a government health insurance program for the poor.
It offers a health cover of Rs. 5 lakhs per family on an annual basis, a payable premium of Rs. 30.
Health insurance for Coronavirus is also recommended, to protect you from any unexpected costs.
2) Awaz Health Insurance Scheme:
This scheme was launched in the year 2017 and targeted 5 lakh inter-state migrant laborers working in Kerala.
Awaz Health Insurance is a health insurance plan that is offered by Awaz and it is available for those who fall in the age group of 18 to 60 years and who are employed as laborers. This insurance covers hospitalization costs and also provides a death benefit of Rs. 2 lakh for the family members of the deceased.
3) Aam Aadmi Bima Yojana:
In January 2013, the Government of India rolled out the Janashree Bima Yojana, which is a scheme to provide insurance cover for the self-employed and those engaged in occupations covered under the Aam Aadmi Bima Yojana.
The company has launched a new insurance product which is called “JBY-AABY”. The premium for the policy is Rs. 30000 for a year. This policy is for the family head or the earning member of the family.
FAQ
What are the benefits of the Central Government health scheme?
Benefits of Central Government Health Scheme Cashless treatment at impanelled hospitals and diagnostic centers. Medical investigations are conducted at government or empanelled diagnostic centers. Specialist consultations at polyclinic or government hospitals. Outpatient treatment (OPD) including expenses for medications.
Who is eligible for CGHS in India?
1. All Central Government employees are paid from the Central Civil Estimates (except Railways and Delhi Administration), including their dependant family members residing in CGHS-covered areas. 2. Pensioners of Central Government (except pensioners belonging to Railways and the Armed Forces) and their families.
What is the meaning of health scheme?
Health Scheme provides comprehensive health care to the CGHS Beneficiaries in India. The medical facilities are provided through Wellness Centres (previously referred to as CGHS Dispensaries) /polyclinics under Allopathic, Ayurveda, Yoga, Unani, Sidha and Homeopathic systems of medicines.
Who can be dependent in CGHS?
Dependant Family Members include: parents (female employee can have either her parents or her parents-in -law as dependents), sisters, widowed sisters, widowed daughters, minor brothers and minor sister, children and step-children wholly dependent upon the Government Servant and are normally residing with the …
What is the health scheme recently introduced by Central Government?
Ayushman Bharat Yojana: Ayushman Bharat is a universal health insurance scheme of the Ministry of Health and Family Welfare, Government of India. PMJAY was launched to provide free healthcare services to more than 40% population of the country. The scheme offers a health cover of Rs 5 Lakh.
Are medicines covered under CGHS?
CGHS maintains a formulary of drugs. If the dispensary has in its stock medicines prescribed by the specialist, then the same is issued to the beneficiary. If, however, the medicine with the same active salt ingredient but of different firm is available in the stock, then that medicine is issued to the beneficiary.
When was CGHS introduced?
Central Government Health Scheme (CGHS) is a health scheme for serving / retired Central Government employees and their families. The scheme was started in 1954 in Delhi.
What is the procedure of CGHS treatment?
CGHS beneficiaries can now get treatment at pvt hospitals without referral letter. Earlier, an individual had to consult at a local dispensary that would refer the patient to a bigger government hospital in which the paperwork had to be done to avail treatment at a CGHS empanelled private hospital.
What are the documents required for CGHS card?
A printout of the duly filled up online Application Form by visiting the website cghs.nic.in. Copy of the PPO. Copy of the LPC (Last Pay Certificate). Proof of residence. Documents for proof of age for all applicants. Legal documents for widowed or divorced daughter. Aadhar card copy.