Government Health Insurance Schemes and Their Benefits to The Indian Population: An Overview

Authors

DOI:

https://doi.org/10.55489/njcm.140520232743

Keywords:

Health insurance schemes, Indian government health insurance schemes, Health insurance benefits

Abstract

In today’s scenario accelerating cost of health significantly impact the health of people and the populace creating a monetary burden on poor households. One of the key concerns while tackling healthcare disparities is out-of-pocket expenses (OOPE). Providing financial safety and provide universal coverage to the entire populace are the main goal of health schemes. Health policies in India are based on equity prioritising the needs of the poor and underprivileged. Likewise, there is a discrepancy in the consistency of information and knowledge regarding the scheme among the beneficiaries. A review was created to help medical and nursing professionals to gain comprehensive knowledge of various health schemes. We tried to give an overview of various health schemes including Ayushman Bharat Yojana, Aam Aadmi Bima Yojana (AABY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Rashtriya Swasthya BimaYojana (RSBY), Central Government Health Scheme (CGHS), Employees State Insurance Scheme (ESIC), Employee Health Scheme and various state-level health schemes.  include, Yeshasvini Health Insurance Scheme, Mahatma Jyotiba Phule Jan Arogya Yojana, Chief Minister Comprehensive Health Insurance Scheme, Mukhyamantri Amrutum Yojana, Karunya Health Scheme, Awaz Health Insurance Scheme, Telangana State Govt Employees and Journalist Health Scheme, Dr Ysr Aarogyastri Health Care Trust, Mukhyamantri Chiranjeevi Yojana, Rajasthan Government Health Scheme (RGHS), and Aarogya Raksha.

References

Universal Health Coverage [Internet]. [cited 2023 Jan 7]. Available from: https://www.who.int/health-topics/universal-health-coverage

Health insurance in India. In: Wikipedia [Internet]. 2022 [cited 2023 Jan 7]. Available from: https://en.wikipedia.org/w/index.php?title=Health_insurance_in_India&oldid=1128546173

Hooda SK. Out-of-pocket Payments for Healthcare in India: Who Have Affected the Most and Why? J Health Manag. 2017 Mar 1;19(1):1-15. Doi: https://doi.org/10.1177/0972063416682535

Zodpey S, Farooqui HH. Universal Health Coverage in India: Progress achieved & the way forward. Indian J Med Res. 2018 Apr;147(4):327-9. Doi: https://doi.org/10.4103/ijmr.IJMR_616_18 PMid:29998865 PMCid:PMC6057252

Nandi S, Schneider H, Dixit P. Hospital utilization and out of pocket expenditure in public and private sectors under the universal government health insurance scheme in Chhattisgarh State, India: Lessons for universal health coverage. PloS One. 2017;12(11):e0187904. Doi: https://doi.org/10.1371/journal.pone.0187904 PMid:29149181 PMCid:PMC5693461

Ayushman Bharat Yojana | National Health Portal Of India [Internet]. [cited 2023 Jan 7]. Available from: https://www.nhp.gov.in/ayushman-bharat-yojana_pg

Aam Aadmi Bima Yojana by Department of Financial Services| National Portal of India [Internet]. [cited 2023 Jan 7]. Available from: https://www.india.gov.in/aam-aadmi-bima-yojana-department-financial-services

Pradhan Mantri Suraksha Bima Yojana (PMSBY) | Department of Financial Services | Ministry of Finance | Government of India [In-ternet]. [cited 2023 Jan 7]. Available from: https://financialservices.gov.in/insurance-divisions/Government-Sponsored-Socially-Oriented-Insurance-Schemes/Pradhan-Mantri-Suraksha-Bima-Yojana(PMSBY)

Rashtriya Swasthya Bima Yojana| National Portal of India [Internet]. [cited 2023 Jan 7]. Available from: https://www.india.gov.in/spotlight/rashtriya-swasthya-bima-yojana

Home - CGHS: Central Government Health Scheme [Internet]. [cited 2023 Jan 7]. Available from: https://cghs.gov.in/CghsGovIn/faces/ViewPage.xhtml

Employees' State Insurance Corporation, Ministry of Labour & Employment, Government of India [Internet]. [cited 2023 Jan 7]. Available from: https://www.esic.gov.in/

EHS: Employees Health Scheme [Internet]. [cited 2023 Jan 7]. Available from: https://www.ehs.ap.gov.in/EHSAP/loginAction.do?actionFlag=loginPage&theme=navyblue#

Team PMY. Yashasvini Health Insurance Scheme: Registration, Yashaswini Card Benefits [Internet]. PmmodiYojana.in. 2022 [cited 2023 Jan 7]. Available from: https://pmmodiyojana.in/yashasvini-health-insurance-scheme/

Mahatma Jyotirao Phule Jan Arogya Yojana [Internet]. [cited 2023 Jan 7]. Available from: https://www.jeevandayee.gov.in/

Chief Ministers Comprehensive Health Insurance Scheme | Madurai District, Government of Tamilnadu | India [Internet]. [cited 2023 Jan 7]. Available from: https://madurai.nic.in/scheme/chief-ministers-comprehensive-health-insurance-scheme/

Mukhyamantri Amrutum Yojana | Eligibility, Coverage, Benefits in 2023 [Internet]. PolicyX. [cited 2023 Jan 7]. Available from: https://www.policyx.com/health-insurance/articles/mukhyamantri-amrutum/

Karunya Arogya Suraksha Padhathi - sha [Internet]. [cited 2023 Jan 7]. Available from: https://sha.kerala.gov.in/karunya-arogya-suraksha-padhathi/

Awaz Health Insurance Initiated by State Government of Kerala [Internet]. [cited 2023 Jan 7]. Available from: https://www.bankbazaarinsurance.com/health-insurance/awaz-health-insurance.html

Home - Employees and Journalists Health Scheme [Internet]. [cited 2023 Jan 7]. Available from: https://ehf.telangana.gov.in/HomePage/

Arogyaraksha [Internet]. Dr. YSR Aarogyasri Health Care Trust. [cited 2023 Jan 7]. Available from: https://www.ysraarogyasri.ap.gov.in/arogyaraksha

Chiranjeevi Yojana - Chiranjeevi Health Insurance Scheme Rajasthan 2023: Eligibility & Coverage [Internet]. [cited 2023 Jan 7]. Available from: https://www.insurancedekho.com/health-insurance/government-schemes/chiranjeevi

Rajasthan Government Health Scheme [Internet]. [cited 2023 Jan 7]. Available from: https://rghs.rajasthan.gov.in/RGHS/home/

Downloads

Published

2023-05-01

How to Cite

1.
Uma Phalswal, Neeraja VK, Dixit P, Ashok Kumar Bishnoi. Government Health Insurance Schemes and Their Benefits to The Indian Population: An Overview. Natl J Community Med [Internet]. 2023 May 1 [cited 2024 Jun. 23];14(05):340-5. Available from: https://njcmindia.com/index.php/file/article/view/2743

Issue

Section

Narrative Review