Govt. Health Insurance Schemes in India

1. Presented by:
Vintee Sahni
MBA Banking and Finance
Chitkara University

2. INTRODUCTION
Government Health Insurance Schemes are the initiative
taken by the Central government of India to provide
social security to the poor families. Public investment in
health will be increased from 1.04% to 2.5% of GDP by
2020.
According to the WHO report, per capita expenditure on
health has increased from US$15 in 1995 to around US$
60 in 2015.

3. SCHEMES
Year of Launch Schemes Objective Coverage Features/ Benefits
2008 Rashtiya Swasthya
Bima Yojana
• ImproveFinancial
protection against
catastrophic costs
•BPL families( 5
members)
• Empowering
beneficiary
• Portability
1952 Employment State
Insurance Scheme
• Socio- Economic
protection
• Workers in
factories,
educational
institutions, etc.
• Cash benefits
( physical distress)
1954 Central
Government
Health Scheme
• Provide
healthcare facilities
• Central Govt.
employees and
pensioners
• Dispensary
services
• Health education
• Consultation
2007 Aam Aadmi Bima
Yojana
• Provide social
security in rural
areas
• Rural landless
household (head
of family, age 18-
59 yrs)
• Premium equally
shared by Central
and State govt.
1999 Universal Health
Insurance Scheme
• Improve the
access of health
care facilities
• BPL families • Reimbursements
• Death cover
• Compensation

4. GROWTH TREND
The overall Indian Healthcare
market is worth US$ 100 billion
and is expected to grow to US$
280 billion by 2020.
As per the Ministry of Health,
development of 50 technologies
have been targeted in 2016, for
the treatment of cancer and
tuberculosis.

6. CONCLUSION
 Initiative by government to launch numerous schemes is struggling to fetch
desired results due to poor public expenditure which is 4.1% of GDP as
compared to 17.9% in US.
 Most schemes are for BPL and poor families which demand regular
investment in the healthcare sector.
 National Health Assurance Mission is a limbo with an estimated budget of
Rs. 1.6 lakh crore for 5 years.
 NIAHS and RIAHS are good initiatives to supply skilled health workforce
but these are criticised by IMA.
 Therefore, these health insurance schemes need to be reformed and
coverage needs to be increased.
References: http://financialservices.gov.in/insurance/gssois/uhis.asp
http://www.nhp.gov.in/national-health-insurance-schemes_pg
http://indianexpress.com/photos/business-gallery/budget-2016-arun-jaitley-education-jobs-agriculture-health-rural/5/
http://www.ibef.org/industry/healthcare-india.aspx

7. THANK
YOU...