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Dhruv sharma


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Government Health Insurance Schemes in India

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Dhruv sharma

  1. 1. GOVERNMENT HEALTH INSURANCE SCHEMES IN INDIA Submitted to : Presented By : Dhruv Sharma
  2. 2. BRIEFING • The National Health Insurance scheme in INDIA is a growing segment in the economy. Policies and schemes are available that offer both individual and family cover by the government. Launched in 1986 the segment has grown due to liberalization and general awareness but despite this fact only around 21.6 crore people i.e less than one-fifth of India's population are covered under health insurance. • Apart from this around 15.5 crore people are covered under the three Central government-funded health schemes - Central Government Health Scheme, Employees' State Insurance Scheme and Rashtriya Swasthya Bima Yojana . sources :
  3. 3. NO. SCHEME OBJECTIVE LAUNCH 1) Rashtiya Swasthiya Bima Yojana (RSBY) Health insurance to poor (BPL), Domestic workers, MGNERGA workers etc. with no age limit. It had been launched by Ministry of Labour and Employment, but now transferred to ministry of Ministry of Health and family welfare from April 1, 2015 1 April 2008 2) Employment State Insurance Scheme (ESIS) It’s main aim is to provide socio-economic protection to worker population and their dependants. . Dependants of insured persons who die in industrial accidents or because of employment injury are entitled to a monthly pension called the dependants benefit. 25 February 1952 3) Central Government Health Scheme (CGHS) This scheme provides comprehensive health care facilities for the Central Govt. employee and pensioners and their dependents. It includes dispensary services, Hospitalization, Health Education to beneficiaries. 1954
  4. 4. NO SCHEME OBJECTIVE LAUNCH 4) Aam Aadmi Bima Yojana (AABY) Scheme extends the benefit of life insurance coverage as well as coverage of partial and permanent disability to the head of the family or an earning member of the family of rural landless households and educational assistance to their children studying from 9th to 12th standard as an extended benefit. 2nd October, 2007 5) Janashree Bima Yojana (JBY) It provides life insurance protection to people who are below poverty line or marginally above poverty line. . Persons between aged 18 years and 59 years and who are the members of the identified 45 occupational groups are eligible to be covered under the Scheme. 10th August 2000 6) Universal Health Insurance Scheme (UHIS) The Universal Health Insurance Scheme (UHIS) has been redesigned targeting only the BPL families. The premium subsidy has been enhanced from Rs.100 to Rs.200 for an individual, Rs.300 for a family of five and Rs.400 for a family of seven, without any reduction in benefits. May 1999
  5. 5. NO SCHEME OBJECTIVE LAUNCH 7) Pradhan Mantri Suraksha Bima Yojana Accidental Insurance with a premium of Rs. 12 per year. All savings bank account holders in the age 18 to 70 years are entitled to join. May 9, 2015 8) Pradhan Mantri Jeevan Jyoti Bima Yojana Life insurance of Rs. 2 lakh with a premium of Rs. 330 per year. All savings bank account holders in the age 18 to 50 years are entitled to join. May 9, 2015 Sources :
  6. 6. • The Budget allocation for the health ministry went up from Rs 33,765 crore in 2015-16 to Rs 38,892 crore. The budget for the current financial year (2016- 17) is Rs 35,534 crore. This is apart from Rs 1,326.20 crore for AYUSH that brought the total sectoral allocation to Rs 38,892. • Catastrophic health events are the single most important cause of unforeseen out-of-pocket expenditure which pushes lakhs of households below the poverty line every year….In order to help such families, the government will launch a new health protection scheme which will provide health cover up to Rs 1 lakh per family. For senior citizens…an additional top-up package up to Rs 30,000 will be provided. • With the introduction of health cover of Rs 1 lakh per family to a national dialysis programme, the sector gets a helping hand. Sources : OVERVIEW ON HEALTH CARE AS PER 2016 UNION BUDGET
  7. 7. CONCLUSION To conclude it can be said • The schemes and the budget assigned by the Government focus the BPL families, low class of the society with age limit or saving bank accounts being mandatory to exercise the scheme. • No such specific scheme that focus the middle class of the society and benefits the non- government working section of the country. 0 5000 10000 15000 20000 25000 30000 35000 40000 45000 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 crores years union budget allocation THANK YOU