That is a great question - deciding on the best government health insurance plan can be a difficult decision.
In India, the most popular health insurance plans offered by the Government are the Employees' State Insurance Corporation (ESIC), Aam Aadmi Bima Yojana (AABY), Jan Arogya Bima Yojana (JABY), Central Government Health Scheme (CGHS), Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), Pradhan Mantri Garib Kalyan Bima Yojana (PMGKBY) and Rashtriya Swasthya Bima Yojana (RSBY).
The ESIC plan is designed for employees working in factories or establishments that employ 10 or more persons and covered under the Employees' State Insurance Act, 1948. This plan provides benefits for medical treatment, maternity and other health-related benefits.
The Aam Aadmi Bima Yojana is a crop and life insurance scheme for rural landless households, especially agricultural and dairy workers. This plan provides financial assistance in case of death or disability due to an accident and also provides life insurance benefit in case of death of the insured person.
The Jan Arogya Bima Yojana is a health insurance scheme for the poorest of the poor in Indian society. Under this plan, those households whose annual income is less than Rs. 30,000 are provided with free health insurance coverage of Rs. 30,000 each year for medical treatment in government health facilities.
The Central Government Health Scheme is a comprehensive health insurance scheme for central government employee including their family members. This plan provides them with financial assistance for medical treatment in any empanelled government health facilities.
The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana is an ambitious scheme that provides health coverage of up to Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization. The scheme intends to target poor and vulnerable families, especially those living in rural areas.
The Pradhan Mantri Garib Kalyan Bima Yojana is a government-sponsored health insurance plan for the poor and economically backward sections of society. It provides financial assistance of Rs. 1.5 lakh to the family of the insured for critical illnesses or accidents.
The Rashtriya Swasthya Bima Yojana is a health insurance scheme for unemployed people belonging to the Below Poverty Line (BPL) category. This plan provides financial assistance of up to Rs. 1 lakh for hospitalization and emergency care for BPL families.
These are the most popular government health insurance plans available in India. Depending on your circumstances, your needs and financial situation, you can decide on the best plan for you that meets all of your requirements.