government skeems

government skeems

Anshree Bima Yojana (JBY)

• Started in 2000 and merged with Aam Admi Bima Yojana in 2012, for better convergence.
• Provided Life insurance protection to the rural and urban poor persons below poverty line and
marginally above the poverty line.
• Insurance cover 30k (natural death)
• Rs.75k (accidental death/disability)
• implemented via LIC.

Universal Health Insurance Scheme (UHIS)

• Started in 2003
• Healthcare for BPL
• Medical expenses upto Rs.25k
• Maternity benefit given
• Pre-existing diseases also covered.

Rashtriya Swasthya Bima Yojana (RSBY)

• Started in 2007
• Smart card based cashless health insurance.
• BPL family (upto 5 members) in unorganized sector.
• In Budget 2013, Chidambaram extended this scheme to rickshaw, auto-rickshaw and taxi drivers,
sanitation workers, rag pickers and mine workers.
• For medical expenses upto Rs.30k per year.
• Premium sharing: centre vs State=75:25, incase of North east, 90:10.

Pravasi Bharatiya Bima Yojana.

• For emigrant workers
• Minimum Rs.10 lakh insurance cover
• Applicable during employment contract period abroad.
• For sickness, accidental death, disability while being abroad.
• Also cover expenses for transporting dead
• Also for legal expenses related to employment contract dispute abroad.
• body/sick/disabled person back home.

Agro Insurance.

• Two schemes:
• 1) NAIS (National agriculture insurance scheme): available to all farmers, irrespective of their farm size.
Protects them against crop losses due to
natural calamity.
• 2) Weather based crop insurance scheme
• Both are run by Agricultural insurance company (AIC)

Rajiv Gandhi Shilpi Swasthya.

• Provides health insurance to handicraft artisan’s family. (man, wife and two children only).