Plain-language guide to health insurance in India.
Ayushman Bharat – PM-JAY
₹5 lakh/family/year
Bottom 40% of India's population (~55 crore people). BPL + some above-BPL.
CGHS (Central Govt. Health Scheme)
Unlimited (OPD + IPD)
Central government employees, pensioners and their dependents.
ESI (Employees' State Insurance)
Unlimited medical care
Private sector employees earning ≤₹21,000/month. Contribution: 0.75% of salary (employee) + 3.25% (employer).
State Government Schemes
Varies by state (₹2–25 lakh)
State residents — criteria vary. Examples: Mahatma Jyotiba Phule Jan Arogya (Maharashtra), Chief Minister's Comprehensive Insurance (Tamil Nadu), Bhamashah (Rajasthan).