GST will not be required on health insurance in these 5 government schemes, common man will get relief from expensive treatment..

The cost of health services in India is continuously increasing. The rising cost of treatment and the expensive bills of hospitals have become a cause of concern for the common man. In such a situation, health insurance plans are very useful. But due to 18% GST on the insurance policies of private companies, it becomes more expensive.

The good thing is that the government has started many such schemes for the weaker sections of society, on which GST is not levied. Let us tell you about 5 such government health insurance schemes in India today.

1. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana is the major health insurance scheme of the country. Under this, every family gets an insurance cover of up to Rs 5 lakh annually. It also includes expenses (such as tests and medicines) for 3 days before hospitalization and up to 15 days after discharge.

The special thing is that all pre-existing diseases are covered from the beginning. However, this scheme is only for economically weaker families. This scheme is available for garbage pickers, domestic workers, cart pullers, hawkers, cobblers, etc., in urban areas.

2. Rashtriya Swasthya Bima Yojana
This scheme is especially for unorganised sector workers and below poverty line (BPL) families. In this, a family (maximum 5 members) gets a cover of up to Rs 30,000 annually. For this, the beneficiary has to pay only Rs 30 as registration/renewal fee. Different states can make changes in this scheme according to their needs.

3. Niramaya Health Insurance Scheme
This scheme is especially for PwDs - Persons with Disabilities. In this, they get a cover of up to Rs 1 lakh. Its specialty is that there is no pre-insurance medical test in it. OPD treatment, medicines, diagnostic tests, and regular medical checkups are also included under this. The limit of OPD expenses is up to Rs 15,000. Preventive Dentistry expenses are covered up to Rs 4,000.

4. Jan Arogya Bima Policy
This scheme is also for the economically weaker sections. In this, every person gets an insurance cover of Rs 5,000. This policy is for 1 year. The premium for the head of the family (if his age is up to 46 years) is only Rs 81. The premium for those above 66 years of age is Rs 162. However, pre-existing diseases are covered only after 36 months. Apart from this, there is a waiting period of 90 days for the treatment of diabetes, high blood pressure, and heart-related diseases.

5. Universal Health Insurance Policy
This scheme, launched in 2003, benefits both families above the poverty line (APL) and below the poverty line (BPL). People aged 3 months to 65 years are eligible for this insurance. Its premium is very low –

Rs 422 per annum for a single person

Only Rs 633 per annum for a family of 5 people

(Husband-wife and 3 dependent children can be included in this.)

If you or your family is financially weak and cannot afford expensive private health insurance, then these schemes can prove to be very beneficial for you. By choosing the right plan, you can secure the future of yourself and your family.

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