Government Health Insurance Schemes in India

2. Launched in 1986, the health insurance industry has grown significantly mainly due to
liberalization of economy and general awareness. Health Insurance in India is a growing
segment of India’s economy. The Indian Healthcare insurance industry is worth INR 60,497
crores with a compounded annual growth rate of approximately 42.3 percent between 2010
and 2015. The prime factor of growth is increase in awareness. According to World Bank
report, 99% of Indians will face financial crunch in case of any critical illness. Hence there is
a need of health insurance for everyone.
Incrores
0
20000
40000
60000
80000
Revenue
2010
2011
2012
2013
2014
2015
Total revenue forecast for Indian Health care Insurance Market 2010-
2015

3. 1. Pradhan Mantri Jeevan Jyoti Bima Yojana
• Launched by Prime Minister Narendra Modi on 9 May 2015 in Kolkata.
• As of May 2015, only 20% of India's population has any kind of insurance.
•Available to people between 18 and 50 years of age with bank accounts.
•It has an premium of Rs330 excluding service tax.
• A payment of Rs 2lakh to the nominee in case of death.
Population 2015
Insured
Uninsured
India’s population which has any kind of insurance
source:www.licindia.in

4. 2. Rashtriya Swasthiya Bima Yojana(RSBY)
•RSBY has been launched by Ministry of labour and employement on 1st April 2008.
• Provide heath insurance coverage for Below Poverty Line(BPL).
• Hospitalization coverage upto Rs 30,000 for most of the diseases.
• Beneficiaries need to pay only Rs 30 as registration fee.
0%
100%
Workers
Unorganized sector
Organized sector
3. Employement state insurance scheme(ESIS)
•Socio economic protection to worker population and their dependants.
• Any person who dies because of employement injury or occupational hazard are
entitled to a monthly pension called depedant benefit.
The rate of contribution by employer is 4.75% of the wages
payable to employees. The employees’ contribution is at the rate
of 1.75% of the wages payable to an employee.
0.00%
5.00%
Contribution
Employer
Employees
Sources: www.rsby.gov.in,www.esic.nic.in

5. 4. Central Government Health Scheme(CGHS)
• Started in New Delhi in 1954.
• CGHS provides comprehensive healthcare
facilities for the central government employees
and pensioners and their dependants residing
in CGHS covered cities CGHS
FACILITIES
248
allopathic
disp.
19
polyclinics
3 yoga
centres
65 labs
17 dental
units
5. Aam Aadmi Bima Yojana(AABY)
• Launched on 2nd October 2007.
• A Social Security Scheme for rural landless
household.
• The premium of Rs 200 per annum is shared
by central and state govt.
• The members to be covered should be aged
between 18 and 59 years.
On natural death Rs 30000
On death due to accident / on permanent disability RS 75000
On partial permanent disability due to accident Rs 37500
Sources: cghsnew.asp,nhp.gov.in

6. 6. Janashree Bima Yojana
• Janashree Bima Yojana (JBY) was launched on 10th August 2000.
• 45 occupational groups have been covered under this scheme.
• It provides life insurance protection to people who are below poverty line or
marginally above poverty line.
7.Universal Health Insurance Scheme (UHIS)
• Provides for reimbursement of medical expenses upto Rs.30,000/- towards
• Hospitalization floated amongst the entire family, death cover due to an accident @
Rs.25,000/- to the earning head of the family and compensation due to loss of earning
of the earning member @ Rs.50/- per day upto maximum of 15 days.
• Target 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.
Sources: www.nhp.gov.in,www.india.gov.in

7. 0 100 200 300
Population coverage
under various health
schemes
CGHS
ESIS
RSBY
PMJJBY
In millions
According to official data published in THE HINDU, the number of people covered by
health insurance in India could be far fewer than estimated. Only 21.62 crore people, or
17 per cent of the total population, were covered by health insurance at the end of March
2014. As there is a huge potential in the healthcare insurance industry, so the current
government is working very hard on insurance schemes. In budget 2016, government
introduces new scheme, PM Jan Aushadhi Yojana to be strengthened and 300 generic
drug store to be opened.
•2.2 lakh renal patients added every year in India.
•A new health protection scheme for health cover upto 1 lakh per family.
•National Dialysis Service Program with funds through PPP mode to provide dialysis at
all district hospitals.
Source: www.thehindu.com