Top 10 Famous Government Health Schemes in India

For some, healthcare is a necessity, and for some, it is kinda a luxury thing, you know what we mean right? See, there are many countries around the globe, where healthcare is just a luxury thing for millions and only the ones with the biggest pockets can have healthcare facilities. Morally, this isn’t a fair thing at all, but thankfully, India is not one of those countries where people can’t even pay hospital bills because that’ll just make them financially weak. That’s mainly because right here in India, there are these things called government health schemes. These are the programs in place to make sure healthcare is affordable and accessible to every corner of the country, no matter what. And today’s the day when we are going to take a good look at the top 10 government health schemes in India as of 2024. Alright, here we go now.

Top Government Health Schemes in India

1. Ayushman Bharat Yojana

Ayushman Bharat Yojana

First off, we've got this game-changer called Ayushman Bharat Yojana, rolled out in the autumn of 2018. It's like the best one out there as a health scheme right here in India, aiming to flip the whole script on how folks get medical help. This one, also known as Pradhan Mantri Jan Arogya Yojana (PMJAY), is all about throwing a lifeline to over 50 crore people from the not-so-lucky side of the tracks. What's the deal? It promises to cover medical bills up to 5 lakhs per family per year, focusing on serious hospital visits. And hey, if your family's in the mix of the Socio-Economic Caste Census (SECC), you're in for this benefit, making sure no one's left hanging when it comes to health.

2. Pradhan Mantri Suraksha Bima Yojana

Next up, in 2015, the government dropped Pradhan Mantri Suraksha Bima Yojana (PMSBY), kinda like their way of saying, "We've got your back if things go south." For just 12 rupees a year, yeah, you heard that right, you get a safety net of 2 lakhs for the big unfortunate events like accidental death or getting seriously hurt, and 1 lakh if it's a bit less grim. Open to anyone aged 18 to 70 with a bank account, it's pretty much a no-brainer for a vast chunk of the crowd, offering a cushion for families against life's unforeseen events, which we all wish never to see in our life. But, as you know, it is life and we can't do much about it, things happen, right?

3. Aam Aadmi Bima Yojana

Now, if you're wandering around looking for something that's got the back of the common man, you gotta check out the Aam Aadmi Bima Yojana. Kicked off on a pretty significant day, 2nd October 2007, this one's all about lending a helping hand to our folks in the rural and urban low-income brackets. We're talking about a bunch of jobs here that usually don't get much love from the insurance world like fishermen, the everyday heroes driving autos, and the cobblers keeping our shoes in shape. What's the deal, you ask? Well, for just a tiny bit out of their pocket every year, it offers protection against the rough patches life throws, like accidents or even deaths.

4. Central Government Health Scheme (CGHS)

Oh, and then there’s this old-timer, the Central Government Health Scheme, or CGHS for short, that’s been around since 1954. This is the real deal for taking care of central government employees, the retired crowd, and their families. It’s like this big umbrella covering a bunch of cities, offering everything from a doctor’s visit for a nasty cold to getting patched up in a hospital, and even dipping into the treasure trove of traditional medicine you know? If you’ve ever clocked in for the central government, or you're enjoying the retired life after doing so, this scheme’s got your name on it.

5. Mukhyamantri Amrutum Yojana

Rolled out back in 2012 from Govt of Gujurat, this one's all about giving a helping hand to the folks not sitting too pretty on the income ladder, especially those families that are really feeling the pinch. We're talking about a sweet deal of health coverage that goes all the way up to Rs. 3 lakhs for the whole family every year. Whether it's big-time surgeries, those expensive treatments, or illnesses that just won't quit, this scheme's got it covered. The big idea? Making sure nobody in Gujarat has to think twice about getting better just because their wallet's a bit light.

6. Awaz Health Insurance Scheme

Next up, we've got something special from Kerala called the Awaz Health Insurance Scheme, kicking off in 2017. This one's a shoutout to the hard-hitting migrant workers, recognizing their hustle and making sure they're looked after. With this scheme, health insurance is on the table for Rs. 15,000, and if things take a turn for the worse with an accident, there's Rs. 2 lakh to help out. If you're a migrant worker between 18 and 60, clocking in those hours in Kerala, this scheme's like a safety net, making sure you and your health are in good hands, no matter what.

7. Dr YSR Aarogyasri Health Care Trust

And then, there's this one from Andhra Pradesh, the Dr YSR Aarogyasri Health Care Trust, named to honor the late Chief Minister Dr. Y.S. Rajasekhara Reddy. It's not just one scheme; it's a whole umbrella of them, aiming to throw a lifeline to the less fortunate, state employees, and the folks in the media. From cashless treatment to a wide net of medical procedures covered, it's all about making sure that quality healthcare isn't just a dream for those in need across the state.

8. Karunya Health Plan

Now, this is something you gotta know about, especially if you're tuning in from Kerala. Started back in 2012 by the local government, the Karunya Health Plan is like a shining light for folks struggling with big-time health issues but find the hospital bills too steep to handle. This one's all about helping out with serious stuff like cancer, heart trouble, kidney problems, and other scary health battles, offering a helping hand to cover costs that would otherwise knock many off their feet financially.

9. Rashtriya Swasthya Bima Yojana (RSBY)

Okay, so here's the deal with the Rashtriya Swasthya Bima Yojana, kicked off in 2008. It's this big-deal health insurance thing aiming to shield India's most vulnerable families from the crazy costs that come with hospital stays. Each family gets coverage up to Rs. 30,000 a year, which is supposed to cut down on how much they have to pay from their own pockets for health care and make sure they can get their hands on decent medical help.

10. Universal Health Insurance Scheme (UHIS)

Last on the list but definitely not least, we've got the Universal Health Insurance Scheme, rolled out by the Government of India. This one's a big umbrella meant to keep families, especially those hustling to make ends meet, safe from health troubles, accidents, and even gives a bit of cash if someone can't work because of an injury. It's all about making sure the folks who can least afford to get sick have some backup.


There are literally a dozen more of these health schemes in India, but these are by far the top ones that are covering millions of people in the country. Sure, many people sometimes face issues with these schemes, but that’s just because we have a literal population of over 1.4 billion people. So yeah, sometimes things don’t go as they should in the system, you know?

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