National Health Insurance Schemes

Health care should be within the reach of every citizen. For offering basic health facilities to all citizens, Government of india have introduced and implemented various health schemes and programmes. Care Curious presents you with some of National Health Insurance Schemes which can help beneficiaries like  children, women, senior citizens, and many others.

Employees’ State Insurance Scheme(ESIS):

Employees’ State Insurance Scheme of India, is a multidimensional social safety scheme tailor-made to provide socio-financial safety to working class and their families. Besides complete clinical care for self and dependents, this is admissible from day one in every of insurable employment, the insured persons are also entitled to cash benefits in times of temporary or permanent disablement, physical distress due to sickness etc. resulting in loss of earning capacity, the confinement in respect of insured women, dependants of insured persons who die in industrial accidents or because of employment injury or occupational hazard are entitled to a monthly pension called the dependants benefit.

Acceptability:

  • The Act is applicable to non-seasonal factories employing 10 or more persons.
  • The Scheme has been extended to shops, hotels, restaurants, cinemas including preview theatres, road-motor transport undertakings and newspaper establishments employing 20* or more persons.
  • The Scheme has been extended to Private Medical and Educational institutions employing 20 or more persons in certain States/UTs.

Rashtiya Swasthiya Bima Yojana (RSBY)

RSBY ( Rashtriya Swasthiya Bima Yojana) has been released by Ministry of Labour and Employment, Government of India to provide medical insurance for Below Poverty Line (BPL) households, which covers  five members of the family which includes the head of household, spouse and up to three dependents. Beneficiaries need to pay only Rs. 30/- as registration fee while Central and State Government pays the premium to the insurer selected by the State Government on the basis of a competitive bidding.

Beneficiaries under RSBY get  hospitalization coverage up to Rs. 30,000/- for most of the diseases that require hospitalization. RSBY provides the participating BPL household with freedom of choice between public and private hospitals

Central Government Health Scheme (CGHS)

The “Central Government Health Scheme” (CGHS) Started in New Delhi in 1954, Central Govt. Health Scheme is now  in operation in Allahabad, Ahemdabad ,Bangalore ,Bhubhaneshwar ,Bhopal ,Chandigarh , Chennai ,Delhi , Dehradun ,Guwahati ,Hyderabad, Jaipur , Jabalpur , Kanpur , Kolkatta , Lucknow , Meerut , Mumbai , Nagpur , Patna , Pune , Ranchi , Shillong , Trivandrum and Jammu. This Scheme provides provides comprehensive health care facilities for the Central Govt. employees and pensioners and their dependents residing in CGHS covered cities. The medical facilities are provided through Wellness Centres/polyclinics under  Allopathic, AyurvedaYoga,UnaniSidha and  Homeopathic systems of medicines.

Aam Aadmi Bima Yojana(AABY)

Aam admi bima yojana was launched on 2nd October, 2007, a Social Security Scheme for rural landless household aged between 18 and 59 years.The premium of Rs.200/- per person per annum is shared equally by the Central Government and the State Government.

Janashree Bima Yojana (JBY)

Janashree Bima Yojana (JBY) was launched on 10th August 2000. The Scheme replaced Social Security Group Insurance Scheme (SSGIS) and Rural Group Life Insurance Scheme (RGLIS). 45 occupational groups have been covered under this scheme which includes  persons between age of 18 years and 59 years.

Universal Health Insurance Scheme (UHIS)

New India Assurance Company Limited (NIA), United India Insurance Company Limited (UIL), Oriental Insurance Company Limited (OICL) and National Insurance Company Limited (NICL) joined hands to implement Universal Health Insurance Scheme for improving the access of health care to poor families. Beneficiaries will  get reimbursement of medical expenses up to 30,000/-  towards hospitalization floated among-st the entire family, death cover due to an accident @ Rs.25,000/- to the earning head of the family.

 

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