If you are the sole breadwinner of the family, you must take care of your health properly. If something happens to you, your family will be in big trouble. Another thing that you must do is to buy a health insurance policy at the earliest. Even if you fall sick and have to be hospitalized, health insurance will help you to save money as it will provide you coverage for the hospital expenses.
Talking about the health insurance policies, you can choose from the various Government health schemes in India. So, let us take a look at them.
Aam Aadmi Bima Yojana (AABY)
Launched in 2007, this national health insurance scheme provides coverage to people in the age range of 18 years to 59 years. Citizens who live in the upcountry or in the backward areas can opt for this scheme. Under this plan, the underprivileged kids living in rural areas are provided scholarships. Tenants living in urban or rural areas are also covered. The premium that has to be paid annually is INR 200. The health of the head of the family is protected under this scheme. If the insured passes away and if it is a natural death, his/her family will be provided with an amount of INR 30,000 as support. If the death has been caused because of permanent disability, his/her family will be offered INR 75,000.
Employment State Insurance Scheme
This government-backed health insurance scheme is specifically for the workers and comes up with socio-economic protection. People who are dependent on workers also get some of the privileges under this scheme. The insured will get benefits like monthly pension, cash benefits, dependent benefits, and many more. It is offered to permanent factories that employ a minimum of 10 employees and the scope is being extended to some more ventures.
Pradhan Mantri Suraksha Bima Yojana
Under this scheme, citizens of the country get accident cover and the age group is between 18 years to 70 years. A bank account is opened in their name. For complete disability, the insured will get a cover of INR 2 lakh, and for partial disability, the cover is INR 1 lakh. The premium amount will be automatically debited from the bank account of the insured.
Janshree Bima Yojana
Under this health insurance scheme, the benefits can be availed of by people of the age group of 18 years to 59 years. This scheme is for the poor category of people in India. The scheme also comes with some special benefits such as Shiksha sahyog yojana, women SHG groups, etc. Under this government scheme, more than 45 occupational groups are provided coverage.
Ayushman Bharat Yojana
This is a universal government health insurance scheme and comes with healthcare facilities for over 40% of the population in India. The scheme provides coverage of around INR 5 lakhs and takes care of the costs of medicines, hospitalization, diagnosis, and many more. It is one of the best health insurance policies for the poor section of the society in India since it provides comprehensive coverage to those people at a super affordable price.
Apart from these five, there are several health insurance schemes offered by the Government of India. These are actually some of the best options for people who need financial support for medical expenses but cannot afford privately owned health insurance policies. The premiums of these plans are extremely affordable for almost everyone. To educate yourself about more such health insurance schemes offered by the government of the country, you can take a look at the IIFL website. You can even find out the premium that you have to pay under the particular health insurance schemes by using the health insurance premium calculator.
