This scheme has been implemented by the government recognizing the need for providing social security to workers in the unorganized sectors. The Rashtiya Swasthiya Bima Yojana had been launched by the Ministry of Labour and Employment to provide health insurance coverage to families living below the poverty line (BPL). The RSBY is a family floater policy that provides coverage to the BPL households for almost all diseases that requires hospitalization. The beneficiaries of the RSBY scheme are required to submit proper documents for identification and soon after they are issued smart cards, so that they can avail the benefits of the scheme.
The RSBY scheme differs from other health insurance schemes for BPL households in several ways. The main features of this scheme are listed below:
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The benefits of the RSBY scheme are designed by the State Government considering the requirement and geography of the state. However, they must integrate the following minimum benefits in their scheme:
The ESIC scheme is one of the oldest government insurance schemes launched on 24th February by Prime Minister Jawaharlal Nehru with the aim of providing health coverage to workers in case of ailments, maternity, injury, death during employment or partial/ permanent disability. This is an employee insurance scheme that applies to workers working in an organization where 10 or more employees are employed.
Mentioned below are the benefits of employment state insurance scheme:
Given below is the list of documents that needs to be submitted to enroll for the ESIC scheme:
Aam Aadmi Bima Yojana is an initiative taken by the Government to provide financial aid and social security to rural households and is a part of rural development schemes in India. The scheme is designed to encompass the rural landless households where access to healthcare facilities like hospitals and pharmacies are limited.
The scheme provides coverage to only the earning member/ head of the family. Any individual falling in the age bracket of 18- 59 years, can enroll in the AABY scheme. The contribution is made by both the central and the state governments to make sure the insured does not have to pay any premiums.
To apply for this scheme you must submit the following documents:
The Janashree Bima Yojana was launched on 10th of August 2000 to provide life insurance cover to people in rural and urban areas, who are below and marginally above poverty line. This scheme is a joint venture by the government of India and the life insurance corporation (LIC) which includes a total of 45 occupational groups. Any individual of age 18-59 years can enroll in this scheme. However, the policy holder must be a member of the vocational group/ occupation approved by the nodal agency.
SEE ALSO: How to Buy health insurance policy?
SEE ALSO: Family Health Insurance Plan
The benefits of this scheme are the compensation given under the insurance plan. These are outlined below:
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