Health Insurance Schemes in India


This scheme starts because of recommendations made by the National Health Policy. Ayushman Bharat Yojana is designed for 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 and ensure continuous care for the people of India.

There are two components related to this scheme- Health and Wellness Centres (HWC) and Pradhan Mantri Jan Arogya Yojana (PM-JAY). Up to 150000 HWCs have been set up in order to ensure better healthcare for the people. These HWCs are changed versions of earlier initiatives like Sub Centres and Primary Health Centres. The PM-JAY is a health insurance scheme for poor citizens. It offers health protection of Rs. 5 lakhs to each family on an annual basis, and the payable premium is Rs. 30.


This scheme covers migrant workers and it is initiated by the Government of Kerala. It also gives insurance for death by accident for laborers. The scheme was coming into existence in the year 2017 and targeted 5 lakh inter-state migrant laborers working in Kerala. The health insurance protection offered under Awaz Health Insurance is Rs.15000, while the protection for death is Rs.2 lakh

This policy covers 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.




This scheme includes carpentry, fishing etc. There are 48 such defined vocations. Before 2013, there were two policies which was similar in nature, AABY and Janashree Bima Yojana (JBY). After 2013, JBY was merged with AABY.

The premium for Rs.30000 insurance policy is Rs. 200 now for a year. The eligibility criteria for this policy is that one should be a family head/earning member of one’s family (around the poverty line) and should be performing one of the 48 mentioned functions


Those who are a part of the National Food Security Act (NFSA) and the Rashtriya Swasthya Bima Yojana (RSBY) are also eligible for this insurance policy. This scheme covers hospitalization expenses for general illnesses as well as critical illnesses according to terms and conditions. It covers both aspects of in-patient as well as out-patient expenses.

Rajasthan Government supports insurance initiatives towards its citizens under the Bahmashah Swasthya Bima Yojana. This scheme has cashless claim for rural people in rajasthan. There are no eligibility criteria of age under this scheme.



CGHS scheme is regulated by Central Government. Central Government employees are eligible for this policy i.e., 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 private care, are covered as per this plan’s terms and conditions. Central Government Health Insurance Scheme covers Allopathy as well as Homeopathy. It is accessible in 71 cities and the plan is to expand it to more areas.


This is a state government scheme. This Scheme is developed by Tamil Nadu Government in association with United India Insurance Company Ltd. The Chief Minister’s Comprehensive Insurance Scheme is a family floater plan originating for quality health care.

One can claim hospitalization overheads up to Rs. 5 lakhs under this policy. Government and private hospitals play a vital role under this scheme. People having residence in Tamil Nadu earning less than Rs. 75000 annually are eligible for this scheme. More than a thousand procedures are covered under this scheme i.e., Chief Minister’s Comprehensive Insurance Scheme.


Generally Kanpur and Delhi were considered, but the scope of the scheme expanded with time. This policy got an upgrade in the year 2015. At present, 7 lakhs factories are a part of this scheme.

A vast number of people worked in factories post-independence in India. The working conditions are so critical that there were injuries and deaths as well. That’s how the concept of insurance proved beneficial. Employees State Insurance Scheme was launched in 1952 to offer financial protection in case of illness, disability, or death faced by insured workers/employees. 


Those below or near the poverty line can enroll themselves for this cover. The appropriate documents i.e., aadhar card and income certificate are needed for this scheme. There were rumors that this scheme has been terminated, however, they were only rumors as this scheme is still active.

Kerala Government launched this scheme in 2012. Karunya This is directed towards providing Health Insurance for listed continual illnesses. This is a Critical illness plan for the poor and covers major diseases such as Cancer, Kidney Ailments, Heart-related medical issues, etc


This policy is commenced by the Government of Maharashtra for the betterment of its oppressed people. Rajiv Gandhi Jeevandayee Arogya Yojana was renamed as Mahatma Jyotiba Phule Jan Arogya Yojana in 2017.

Farmers from districts and people below and around the poverty line across all districts are eligible for this scheme. It is family protection with a benefit of Rs. 150000. The diseases mentioned in the scheme shall be covered from day one, without any waiting period unless specified.


The Government of Gujarat launched the Mukhyamantri Amrutum Yojana in the year 2012 for the benefit of the state’s poor people. Lower middle-class families and those living below the poverty line are eligible for this cover.

This scheme offers a cover of Rs. 3 lakhs for a year on a family floater basis. Treatment can be availed in different types of hospitals such as public hospitals, private hospitals, trust-based hospitals, Grant-in-Aid hospitals, etc.