government insurance schemes

Ayushman Yojana Bharat Sarkar (Translation: Long Live India) Yojana, Finance Minister Arun Jaitley launched this scheme in budget 2018-2019. He stated “the government is concerned about the impoverishment of poor and vulnerable families” while announcing the National Health Protection Scheme. The scheme will cover around 10 crores or more people. World’s largest government funded healthcare program Ayushman Yojana will cover up to 5 lakh a family per year per family for secondary or triennial care hospitalization. This scheme is little similar to the scheme that exists in Gujarat i.e. Mukhyamantri Amrutam MAA yojana in which beneficiaries can avail up to 3 lakh or cashless facility of the same amount in certified hospitals.

Ayushman Yojana Online Info

Ayushman Bharat Yojana is basically divided into two initiatives viz. HELATH & WELLNESS CENTRES and NATIONAL HEALTH PROTECTION SCHEME. National Health Protection Scheme will cover up to 5 lakhs of health expense per family per year. The government will establish health and wellness centres. These centres will provide complete health care including the followings.

maternal health services

child health services

free drugs

diagnostic services.

This scheme Ayushman Bharat Yojana also publicly known as MODI care scheme will be advantageous for around 10 crores poor people i.e. almost more than 35% of the country’s population. The total expense of this scheme will use the amount recovered from the people of the country as Education and Health Cess, that is approximated as 10000+ crores. Government will provide about 1200 crores for implementation of this scheme to establish 1.5 Lakh healthcare centres. The scheme will be totally cashless, braking the ‘rumours’ that “people will have to pay first then they can claim”.

The Finance Minister further said, that these two health sector initiatives under Ayushman Bharat Programme will build a New India 2022 and ensure enhanced productivity, well being and avert wage loss and impoverishment. These Schemes will also generate lakhs of jobs, particularly for women.

The government will provide cashless services up to 5 lakh rupees so that there is no chance for any corruption or any illegal activity in the scheme. As the scheme is cashless, funds will be directly transferred to the hospital and not the individual. For further implementation, Finance Minister Arun Jaitley said that the government will establish 24 new medical college in the country for smoother operation of the scheme. This will result in state wise medical facility i.e. one medical college for every 3 parliamentary constituencies.

Ayushman Bharat Yojana How to apply Online Application Form Download

There has been lots of queries regarding when we can update our data or apply online for ayushman bharat scheme. Well, this scheme will be online on June-july 2018 onwards. Official website of ayushman yojana has not been announced yet but we will update here surely when it does. Follow this page regularly and share it with your friends and family to get updated and secured.

Ayushman Yojana 2018 Jankari Information Benefits

The government of India released the official notification on 1^st February 2018 via government agency Press Information Bureau.
As we have covered almost every information for the scheme. Still, if anyone wants to read the official notification they can visit the link below for further information. http://pib.nic.in/newsite/PrintRelease.aspx?relid=176049

The government will launch the scheme registration facility via official website as a part of Digital India campaign, because online process will be easy for beneficiaries.

The launch of the official website is expected in August 2018. The process for the scheme establishment has already started.

The functioning of the scheme will emphasize not only Government Hospitals but also Private and Granted Hospitals around every corner of the country.

However, larger part of the country is curious for the initiation of the scheme for better care of their family. Please share our website for more updates and features like this. If you’re looking for Modi Insurance Scheme then follow the link.

Pradhan Mantri Accidental Insurance Scheme: Government through the budget speech announced three ambitious social security schemes concerning to the insurance and pension sectors. Namely Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY) to move towards creating a universal social security system targeted especially for the poor and under-privileged. Honourable Prime Minister launched PMJJBT & PMSBY in Kolkata on 9^th May, 2015.

Pradhan Mantri Jeevan Jyoti Bima Yojana is a one-year life insurance scheme, renewable from year to year, offering coverage for death due to any reason and is available to people in the age group of 18 to 50 years (life cover up to age 55) having a savings bank account.

Pradhan Mantri Life Insurance Schemes

It’s a life insurance scheme that covers death of the insured regardless the cause of death. It provides a cover of 2 lakh rupees for Natural death and or death by accidents. Like other schemes introduced as Pradhan Mantri Suraksha Bima Yojana and Atal Pension Yojana, this scheme also has the benefit of linking it with bank accounts. That means at the time of premium, the amount will be automatically debited from the savings account of the Subscriber. Initially, there is no amount in the JAN DHAN YOJANA accounts. By applying this scheme government is aiming to reduce the number of such zero accounts.

Under PMJJBY scheme, life cover of 2 lakhs is available for a one-year period starting from 1^st June to 31^st May at a premium of just 330/- per annum per member and renewable every year. It is being administered through LIC and other Indian Private Life Insurance Companies. For enrolment, banks have tied up with insurance companies. Participating bank is the master policy holder.

PMJJBY Benefits | Pradhan Mantri Insurance Apply Online

Pradhan Mantri Life Insurance also known as PM shuraksha Bima Yojana has tremendous benefits for Indian Citizens. We have mentioned the following selected benefits that would be helpful for you to choose if you want to subscribe for PMJJBY or not.

The assurance on the life of the member shall terminate if the age of the person attains 55, i.e. last renewal period and entries for the scheme are therefore not allowed beyond 50 years.

A person can join PMJJBY with one insurance company with one bank account only.

According to the rule, anyone can opt out at any time from the policy and re-join in the future.

Individuals who exit the scheme at any point may re-join the scheme in future years by paying the annual premium and submitting a self-declaration of good health.

As compared to other term insurance policies, this scheme offers the lowest premium per year i.e. 330 per year. Moreover, the premium is same for all age groups ranging from 18 to 50.

The claim settlement process offered by the policy is very simple and user friendly.

In a few cases the policy can be terminated. Like if the insured person is above 55, if the subscriber doesn’t have the sufficient balance and if the policy holder is insured through different banks.

As a government backed up policy with a very low premium per year, this scheme is very advantageous for the people with very low income.

This plan provides security to the family of the individual against any kind of eventuality.

The plan has simplest kind of enrollment and switching.

The best thing is anyone with lower income can opt for this scheme and because of the lowest premium rates nobody will be hassled for opting this scheme.

pmjjy vs pmsby

The plan efficiently secures the financial future of the individual and provides a backup so that they can fight again any kind of eventuality. This is certainly the best scheme to take for the low-income society. One thing to remember about this scheme is a person can join this scheme with only one bank account and this only policy. As we know that participating banks are the master policy holder, a simple and subscriber friendly administration and claim settlement policy is to be finalized by LIC or other insurance company in consultation with participating bank.

There are minor differences between the two schemes PMSBY & PMJJBY varies in age period and premiums. But the important one is that, first one is accidental /death or disability insurance whereas the latter one is given on death only regardless of the reason of death.

The scheme will be a one year cover, renewable from year to year, Insurance Scheme offering life insurance cover for death due to any reason. The scheme would be offered / administered through LIC and other Life Insurance companies willing to offer the product on similar terms with necessary approvals and tie ups with Banks for this purpose.

Important Links:

PMJJY Application Form Online PDF (English)

PMJJY Application Form Hindi

PMJJY Application Form Gujarati

PMJJY Claim Form (English)

PMJJY Claim Form in Hindi

Official Website