Micro Insurance

How micro Insurance works

Adv
 Public
Life Risk

Accidental Risk

Health Risk

Gov
Gov
Ayushman Bharat - National Health Protection
Mission
• Ayushman Bharat, a National Health Protection Scheme, will offer cover to
more than 10 Crore vulnerable and poor families offering coverage up to
Rs. 5 Lakh per family every year for tertiary and secondary care
hospitalisation. This scheme aims at subsuming the schemes that are in
progress and are sponsored by the Central Government such as Senior
Citizen Health Insurance Scheme (SCHIS) along with Rashtriya Swasthya
Bima Yojana (RSYB).
• Ayushman Bharat - National Health Protection Mission will have benefit
cover of 5 Lakh rupees per family every year. Under this scheme, the
benefits can be availed at any empanelled private and public facilities by
the beneficiaries.
• The main principle of this scheme is to cooperative flexibility and
federalism to the states. In order to implement this scheme, the states
would require to have the State Health Agency (SHA).
Challenges
• Restrict Ayushman Bharat to the private sector: IMA

• Chhattisgarh: 'Ayushman Bharat' refuses to treat patients, embattled

in government and private hospitals