Today, health insurance is a necessity. Due to the recent Covid-19 pandemic affecting people across continents and climes, having a health insurance policy is more important than ever. However, increasing medical expenses and challenging socioeconomic conditions make access to affordable health care difficult for those in developing countries like India.

As a result, the Government of India has introduced several health insurance policies that provide financial assistance and regular income to those in need. It is possible for any Indian citizen, regardless of their financial standing, to purchase these insurance policies.

Unlike private insurance plans, government insurance schemes in India are more attractive, affordable, and available throughout the country. The purpose of this post is to describe the different features and benefits of government insurance schemes in India.

The Features And Benefits Of The Best Government Health Insurance Plan

Indian citizens who hold a government health insurance scheme in India can avail of the following features and benefits:

Nationally applicable- A government health insurance scheme can apply to all regions within the country. People can access health insurance services throughout India through schemes sponsored by the central and state governments.

A comprehensive coverage plan- The government of India offers comprehensive health insurance schemes. Thousands of Indians can choose between individual coverage or family floater options per their personal and medical needs. In addition, the family's main breadwinner can choose between several income options under these health insurance schemes.

Insurance coverage for hospitalization- Health insurance schemes sponsored by the Government of India offer hospitalization benefits that provide complete medical assistance at a lower cost in government-recognized hospitals across the country. It covers charges related to pre-and post-hospitalization, external and daycare medical procedures, surgery, and pharmacy bills.

Covers underlying medical conditions- A pre-existing or underlying disease is covered by government health insurance schemes, unlike most private general and life insurance companies. There is no waiting period for illnesses arising out of underlying medical conditions, and coverage begins at the start of the policy term.

Domiciliary Treatment Benefit- The feature is extremely useful when one considers the vastness of India and the difficulty getting to a clinic or hospital in some of its more remote locations. Medical intervention can be affordably accessed even by those living in the farthest reaches of India.

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