Auyshaman Bharat Yojana launched in September 2018 by
Government of India, aim is to provide health insurance to all the people in
India. It provides health insurance of 5
lakh rupees to those are having low income and the category like ST/SC. It is a one of the largest government
supported scheme in the world. The
scheme is offers cashless healthcare benefits to the people upto 5 lakh rupees,
even the single in family can take the benefit of 5 lakh rupees. There is a simple registration process, can
provide the unique identity number to all peoples.
· Eligibility: Those
are in category of ST/SC and having very low income, they can apply for the
Auyshaman Bharat Yojana card. Indian
Citizenship is must.
· Cashless Card: It is a cashless card
and no need to pay at the time of hospitalization.
· Validity: The validity of the
card is 1 year or every year it need to be renewed.
· Facility: It
covers Pre-hospitalization, consultation, medical expenses, treatment expenses
and diagnostic and testing expenses etc.,
2.
Am Admi Bhima Yojna
Am Admi Bhima Yojna is a life insurance scheme
launched by Indian Government Scheme in year 2008, it is particular for those
are staying in villages and economically poor or not having permanent shelter.
· How to apply: For the application,
you can contact to nearest centre of Am Admi Bhima Yojna or you can also
contact to insurance agent.
· Eligibility: The family or an individual
should be Indian Citizen and the age limit 18 to 59 years old.
· What Cover:
o
Natural Death Rs.
30,000/-
o
Accidental Death Rs. 75,000/-
o
Permanent Disability Rs.
75,000/-
o
Partial Disability Rs. 37,500/-
Pradhan Mantri Suraksha Bhima Yojna is a accidental
scheme in India, launched and backed by Government of India in 2015. It is directly link with the bank account of
the investors. The premium of insurance
policy is Rs. 20, which directly debited from the savings account. This scheme is benefited for low salary. To avail the scheme investor’s age should be
in between 18 to 70 and Aadhar card is mandatory.
· Eligibility: The family or an individual should be Indian Citizen and the age limit 18 to 70 years old. Bank account is mandatory for auto debit facility.
· How to apply: For the application, you can contact to your bank branch or go to online website https://jansuraksha.gov.in/Forms-PMSBY.aspx
· What Cover:
o Death Rs. 2,00,000/-
o Permanent Disability Rs. 2,00,000/-
o Partial Disability Rs. 1,00,000/-
The Universal Health Insurance Scheme was launched
in year 2003 by the Government of India, the motive behind the scheme to provide
health insurance to the people of nation, most probably to lower middle class,
middle class or the poor category people.
Age group of 5 to 70 years Indian nation can avail the benefit of this
scheme.
Benefits
or Coverages:
|
Hospital
expenses (Room & ICU etc.,) |
0.5%
Per day of total sum insured |
|
Surgeon,
consultant and Specialist Fees |
15%
per disease of sum insured |
|
Diagnosis
fees like MRI, X-RAY, Medicines, Blood etc., |
15%
per disease of sum insured |
