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Best Health Insurance from the Government Research Team | Posted On Saturday, September 07,2019, 05:24 PM

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Best Health Insurance from the Government



Ayushman Bharat - Best Health Insurance from the government

Several good health schemes are provided by the government of India that cater to the healthcare needs of the different section of people. But with the launch of Ayushman Bharat National Health Protection Scheme, the healthcare scenario will undergo a major transformation. This scheme will provide an insurance cover of up to Rs.5 lakh and the poor and vulnerable family can avail secondary and tertiary care hospitalization including the establishment of more than 1.5 lakh wellness centers in India. The scheme is mainly launched to provide good and efficient healthcare services to the economically backward classes of the society and establish an efficient way through which the healthcare needs of the population can be addressed.

What is Ayushman Bharat health insurance?

The Ayushman Bharat is a central government scheme that aims to provide health insurance for nearly 10 crore beneficiaries. The scheme was launched to implement the vision of Prime Minister Shri. Narendra Modi and its main objective are to provide social security to poor and vulnerable citizens of India and help them avail healthcare services at public and private empanelled hospitals.

The scheme offers coverage of Rs. 5 lakh to vulnerable families for helping them avail primary, secondary and tertiary care, and medical services. The sum assured is valid for all the insured family members of the beneficiary. The scheme is implemented and managed through national insurance companies. The beneficiary has no liability of premium payment as the premiums are paid partly by the central government and partly by the state government.

Key features of the Ayushman Bharat scheme:

Given below is the list of features and benefits that will allow you to understand the scheme in a better way:

  • The scheme offers a sum assured of Rs. 5 lakh per family each year
  • The beneficiary family can avail any form of healthcare service at empanelled private and public hospitals anywhere in the country.
  • One of the main features of the scheme is that the benefit of the scheme is portable and can be accessed throughout the country.
  • The beneficiaries can avail cashless treatment facility at empanelled hospitals and will not have to wait for reimbursement claims.
  • The participant states are requested to make health agencies to make sure proper implementation of the scheme.
  • The expenses like the cost of transportation and pre and post hospitalization cost are also covered under the scheme.
  • There are very few ailments that are excluded from the scheme. The beneficiary is eligible to get insurance cover for pre-existing diseases illnesses.
  • The scheme also provides coverage for expenses for daycare treatments thus further reducing the out-of-pocket expenditure of the beneficiary.

How to apply for the scheme?

The scheme is based on entitlements and does not require any kind of registration. Therefore eligible persons do not need to apply for this scheme. Families identified under the SECC database automatically become eligible for the scheme. Eligible persons can also visit the Ayushman Bharat website and click on ‘check eligibility’ link to find out whether or not their names features in the list of beneficiaries. This will confirm the candidature and will help the person to enroll under the scheme.

The scheme aims to transform the way healthcare schemes were provided to vulnerable and BPL households. With this scheme, people will be able to avail better medical services at empanelled hospitals without spending money from their own pockets. This way a large number of people can avail appropriate and timely treatment and avail proper medical attention from professionals. The scheme will help the country nurture a healthy population.

See Also: Ayushman Bharat Yojana - National Health Protection Scheme

Documents required:

The scheme has a set of pre-specified eligibility criteria that will help the beneficiaries identify their candidature. The eligibility criteria are based on data collected under the SECC in the year 2011. Although the scheme is meant for poor and vulnerable families, there are certain distinctions specified for people belonging to the rural and urban areas. The documents required for enrolling under the Ayushman Bharat scheme are:

  • Caste certificate
  • Proof of age
  • Scanned copy of the Aadhaar
  • Special category certificate
  • Identification details
  • Copy of the Aadhaar card
  • Contact details

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