Government Health Insurance Schemes in India

Regular Health Insurance Plans vs Government Health Insurance Scheme

List of Government Health Insurance Schemes

Here's a quick look at all the central and state government health insurance schemes:

Although this table gives an overview of the schemes, it is necessary to consider that each of them has different eligibility criteria, different coverages, and different benefits that should be considered. It is time to focus on each of them, starting from those initiated by the central government.

Central Government Health Insurance Schemes:

1. Ayushman Bharat Yojana (PMJAY)

   The Ayushman Bharat Yojana or PMJAY is a universal health insurance program managed by the Ministry of Health and Family Welfare in the government. The program gives health coverage of up to ₹5 lakh for hospitalisation under secondary and tertiary care treatments to economically weak and vulnerable families in India. The program includes medicine, diagnostic tests, and pre-hospitalisation expenses, and the beneficiaries can get connected through an ABHA ID card.

   Category	Details
   Launched By	Ministry of Health and Family Welfare
   Coverage Amount	Up to ₹5 lakh/family/year
   Eligibility	Economically weaker families (SECC database)
   Key Benefit	Cashless hospitalisation, PED covered from day 1
   Linked To	ABHA ID Card
   Key Beneficiaries	Economically weaker families based on SECC database

2. Pradhan Mantri Suraksha Bima Yojana (PMSBY)

   PMSBY is a government-sponsored insurance plan that gives individual accident coverage for all individuals between 18 to 70 years of age with savings accounts at banks and post offices. ₹2 lakh is payable in case of death or permanent disablement, while ₹1 lakh is payable for partial disablement. The premium is deducted automatically every year.

   Category	Details
   Launched By	Ministry of Finance
   Coverage Amount	₹2 lakh (death/total disability), ₹1 lakh (partial)
   Eligibility	Bank/post office account holders, 18–70 years
   Key Benefit	Auto-debited low-cost annual premium
   Type	Personal accident insurance
   Key Beneficiaries	Bank/post office account holders aged 18-70 years

3. Aam Aadmi Bima Yojana (AABY) (Currently Inactive)

   The AABY, a governmental insurance scheme that was launched to give compensation to families in case of any accidental death and disability of the earning member who falls between the age group of 18 to 59 years. The government has largely subsumed the older social security benefits into newer schemes like the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY).

   Category	Details
   Launched	October 2007
   Coverage Amount	₹30,000 (natural death), ₹75,000 (accidental death)
   Eligibility	Rural/landless earning members, 18–59 years
   Key Benefit	Scholarships for insured's children
   Premium	₹200/year, shared by centre and state

4. Central Government Health Scheme (CGHS)

   The CGHS scheme is considered one of the earliest forms of health insurance offered by the Government, which offers full health care services to central government employees and retirees in 80+ cities. The scheme offers services like OPD services, hospitalization, reimbursement of Ayush medicines, and free diagnostic tests like X-ray and MRI.

   Category	Details
   Started In	1954
   Coverage Amount	Reimbursement-based, no fixed cap
   Eligibility	Central govt employees and pensioners
   Key Benefit	Free OPD, diagnostics, and AYUSH coverage
   Cities Covered	80+ cities
   Key Beneficiaries	Central government employees, pensioners and their dependants

5. Employees' State Insurance Scheme (ESIC)

   ESIC is a multi-dimensional government healthcare insurance program that provides medical, maternity, sickness, and disability cover to organised sector workers. The ESIC scheme applies to units having at least 10 workers and also gives a monthly pension to the dependents in the event of occupational death.

   Category	Details
   For	Factory and establishment workers
   Coverage Amount	Full medical cover + cash benefits
   Eligibility	Establishments with 10+ employees
   Key Benefit	Dependent pension on occupational death
   Extended To	Shops, restaurants, transport (20+ employees)
   Key Beneficiaries	Factory and organised sector workers and their families

6. Universal Health Insurance Scheme (UHIS) (Currently Inactive)

   UHIS was a mediclaim scheme implemented by the government for those living below the poverty line, but is now inactive for new applicants. The scheme was conducted by four insurers from the public sector. This included hospitalization up to ₹30,000 and accidental death/disability coverage for the earning member of the family.

   Category	Details
   Run By	Four public sector general insurers
   Coverage Amount	₹30,000 (hospitalisation), ₹25,000 (accidental death)
   Eligibility	Below Poverty Line (BPL) families
   Key Benefit	Disability compensation of ₹50/day
   Duration	Up to 15 days disability cover

7. Rashtriya Swasthya Bima Yojana (RSBY) (Currently Inactive)

   RSBY was an insurance initiative taken up by the Government of India’s Ministry of Labour and Employment for BPL families. It provided health insurance coverage for families, including a provision for travel expenses for reaching the hospital.

   Category	Details
   Launched By	Ministry of Labour and Employment
   Coverage Amount	₹30,000 family floater
   Eligibility	BPL families
   Key Benefit	Travel allowance of ₹100/day (up to ₹1,000)
   Type	In-patient treatment coverage

8. Pradhan Mantri Surakshit Matritva Abhiyan (PMSMA)

   PMSMA provides free and good-quality prenatal checks to all pregnant women every 9th of each month, which will help to detect any high-risk pregnancies early and decrease the mortality rate among pregnant women in India.

   Category	Details
   Launched By	Ministry of Health and Family Welfare
   Coverage Amount	Free antenatal services (no cap)
   Eligibility	All pregnant women (2nd/3rd trimester)
   Key Benefit	Monthly free check-up on the 9th
   Includes	Blood tests, ultrasound, BP monitoring
   Key Beneficiaries	All pregnant women in second and third trimester

9. Surakshit Matritva Aashwasan Yojana (SUMAN)

   PMSMA provides free and good-quality prenatal checks to all pregnant women every 9th of each month, which will help to detect any high-risk pregnancies early and decrease the mortality rate among pregnant women in India.

   Category	Details
   Launched	October 10, 2019
   Coverage Amount	Free services (no cap)
   Eligibility	All women, no income restriction
   Key Benefit	Free transport and newborn vaccination
   Duration	Up to 6 months post-delivery
   Key Beneficiaries	All pregnant women, mothers up to 6 months post-delivery and newborns

10. Pradhan Mantri Matru Vandana Yojana (PMMVY)

    PMMVY provides cash benefits to pregnant and breastfeeding women as compensation for lost income and proper nourishment, with a payment of ₹5,000 for the first child and an extra ₹6,000 if the second child is a girl.

    Category	Details
    Launched	January 1, 2017
    Coverage Amount	₹5,000 (1st child), ₹6,000 (2nd child, girl)
    Eligibility	Pregnant/lactating women above 18 years
    Key Benefit	Direct cash transfer in instalments
    Launched By	Ministry of Women and Child Development
    Key Beneficiaries	Pregnant and lactating women aged 18 years and above

11. Mission Vatsalya

    Mission Vatsalya caters to the care, rehabilitation, and protection of needy children by providing financial assistance to families adopting, sponsoring, and fostering children at the rate of ₹4,000 per month up to adulthood.

    Category	Details
    Launched	2021
    Coverage Amount	₹4,000/month per child
    Eligibility	Orphaned, abandoned, or vulnerable children
    Key Benefit	Aftercare support beyond age 18
    Launched By	Ministry of Women and Child Development
    Key Beneficiaries	Orphaned, abandoned, surrendered and vulnerable children

12. Niramaya Health Insurance Scheme

    Niramaya is an initiative that provides health insurance to citizens of India who suffer from Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities, with a limit of ₹1 lakh without any age bar and without any pre-medical examination.

    Category	Details
    Run By	National Trust, Ministry of Social Justice
    Coverage Amount	Up to ₹1 lakh (reimbursement)
    Eligibility	Persons with specified disabilities, any age
    Key Benefit	Same premium across all age groups
    Special Feature	No pre-medical check-up needed
    Key Beneficiaries	Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities

13. Janani Suraksha Yojana (JSY)

    JSY aims to promote institutional delivery amongst poor pregnant mothers through cash incentives of up to ₹1,400 in rural areas and ₹1,000 in urban areas in order to minimise maternal and child mortality.

    Category	Details
    Launched	2005, under National Rural Health Mission
    Coverage Amount	₹1,400 (rural), ₹1,000 (urban)
    Eligibility	BPL women, aged 19+, up to 2 live births
    Key Benefit	Encourages institutional deliveries
    Limit	Up to two live births
    Key Beneficiaries	BPL pregnant women aged 19 and above, up to two live births

14. Rashtriya Arogya Nidhi (RAN)

    RAN is a financial assistance program for BPL patients suffering from terminal illnesses such as cancer and kidney failure being treated in super-speciality government hospitals, with financial support of up to ₹20 lakh for each individual.

    Category	Details
    Launched	1997
    Coverage Amount	Up to ₹20 lakh per patient
    Eligibility	BPL patients with life-threatening diseases
    Key Benefit	Direct hospital-level fund approval up to ₹2 lakh
    Fund per Hospital	₹50 lakh (₹90 lakh for AIIMS Delhi)
    Key Beneficiaries	BPL patients with life-threatening diseases at government super-specialty hospitals

15. Scheme for Adolescent Girls (SAG) (Integrated With Saksham Anganwadi & Poshan 2.0)

    Nutrition and Life Skills Programme is being provided to girls aged 11-14 years who are not enrolled in schools through Anganwadi Centres by SAG for providing nutrition support, health care and menstrual hygiene awareness. But, this earlier scheme has been stopped from 31st March, 2022 and this new scheme has been brought into existence as part of Saksham Anganwadi & Poshan 2.0.

    Category	Details
    Launched	2010
    Coverage Amount	600 calories, 18-20g protein daily
    Eligibility	Out-of-school girls, 11–14 years
    Key Benefit	300 days of nutritional support annually
    Earlier Known As	SABLA / RGSEAG

16. Nikshay Poshan Yojana (NPY)

    Nutritional support for the Treatment (NPT) program is provided to TB patients on a monthly basis through financial assistance for fulfilling their nutritional requirements.

    Category	Details
    Launched	2018, under NTEP
    Coverage Amount	₹1,000/month
    Eligibility	Registered TB patients
    Key Benefit	Direct benefit transfer throughout treatment
    Goal	Improve nutrition and treatment success
    Key Beneficiaries	All registered TB patients throughout treatment

State Government Health Insurance Schemes

1. West Bengal Health Scheme (WBHS)

   The WBHS scheme offers individuals and their families up to ₹2 lakh per indoor treatment for government employees and pensioners of the West Bengal state government, with cashless treatment being provided since 2014.

   Category	Details
   State	West Bengal
   Launched	2008
   Coverage Amount	Up to ₹2 lakh/indoor treatment
   Eligibility	State employees and pensioners
   Key Benefit	OPD cover for 18 diseases
   Key Beneficiaries	State government employees, pensioners and their dependants

2. Yeshasvini Health Insurance Scheme

   The Yeshasvini scheme covers 2,128 procedures performed in hospitals in the network hospitals for heart, orthopedic, and women's ailments of farmers and co-operative societies of Karnataka.

   Category	Details
   State	Karnataka
   Procedures Covered	2,128
   Coverage Amount	1,650 medical + 478 ICU procedures
   Eligibility	Farmers and co-op society members
   Key Benefit	Extendable to family members

3. Mahatma Jyotirao Phule Jan Arogya Yojana (MJPJAY) (Integrated with AB-PMJAY)

   The MJP JAY scheme offers family health insurance of up to ₹5 lakh to BPL families and farmers in Maharashtra without any waiting period for pre-existing conditions. It has now been integrated with Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PMJAY). 

   Category	Details
   State	Maharashtra
   Coverage Amount	Up to ₹5 lakh/family
   Eligibility	BPL families and farmers
   Key Benefit	1,209 treatments, PED covered from day 1
   Waiting Period	None for pre-existing diseases
   Key Beneficiaries	BPL families and farmers in Maharashtra

4. Mukhyamantri Amrutum (MA) Yojana (Integrated with AB-PMJAY)

   The MA Yojana scheme covers the health of poor families in Gujarat through floater insurance of up to ₹3 lakh per annum for major ailments, including heart ailments, cancer, and kidney problems, along with organ transplant costs up to ₹5 lakh.

   Category	Details
   State	Gujarat
   Launched	2012
   Coverage Amount	Up to ₹3 lakh/year (₹5 lakh for transplants)
   Eligibility	Below poverty line families
   Key Benefit	698 procedures including transplants
   Key Beneficiaries	BPL families in Gujarat

5. Telangana Employees and Journalists Health Scheme

   This scheme offers cashless treatment for government employees, journalists, and pensioners of the Telangana government in the Rajiv Aarogyasri Trust hospitals for chronic ailments in OPD and inpatient settings.

   Category	Details
   State	Telangana
   Coverage Amount	Cashless, no fixed cap
   Eligibility	Govt employees, journalists, pensioners
   Key Benefit	OPD cover for chronic illnesses
   Network	Rajiv Aarogyasri Health Care Trust hospitals
   Key Beneficiaries	State government employees, journalists and pensioners in Telangana

6. Dr YSR Aarogyasri Health Scheme (Integrated with AB-PMJAY)

   The insurance scheme has been completely operationalized through AB-PMJAY in the state of Andhra Pradesh. The name of the insurance scheme had been changed in 2024, in which end-to-end cashless insurance had been made available for the BPL families in Andhra Pradesh costing ₹5 lakh for 31 headings and 3,257 treatments.

   Category	Details
   State	Andhra Pradesh
   Launched	2007
   Coverage Amount	Up to ₹5 lakh
   Eligibility	BPL families
   Key Benefit	Free screening and OPD consultations
   Key Beneficiaries	BPL families with white ration card in Andhra Pradesh

7. Awaz Health Insurance Scheme

   Awaz insures migrant workers in Kerala between 18 and 60 years of age against their medical and accident needs, offering them ₹25,000 towards medical assistance and ₹2 lakh in case of an accident.

   Category	Details
   State	Kerala
   Launched	2017
   Coverage Amount	₹25,000 (medical), ₹2 lakh (accidental death)
   Eligibility	Migrant workers, 18–60 years
   Key Benefit	Disability compensation up to ₹1 lakh
   Key Beneficiaries	Migrant workers aged 18-60 years in Kerala

8. Bhamashah Swasthya Bima Yojana (BSBY) (Currently Inactive)

   Ayushman Bharat: Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) and Bhamashah Swasthya Bima Yojana (BSBY) were integrated to form the AB-MGRSBY. BSBY provided the general and critical health insurance cover for NFSA and RSBY families in Rajasthan with pre-hospitalisation cover of 7 days and post-hospitalisation cover of 15 days.

   Category	Details
   State	Rajasthan
   Coverage Amount	₹30,000 (general), ₹3 lakh (critical illness)
   Eligibility	NFSA and RSBY-listed families
   Key Benefit	1,715 treatment packages
   Pre/Post Hospitalisation	7 days / 15 days

9. Chirayu Ayushman Haryana

   The Chirayu Ayushman Haryana Scheme is completely integrated with the national scheme known as Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). Under this scheme in Haryana, Chirayu Scheme is offering additional features of Ayushman Bharat to offer cashless hospitalization cover of ₹5 lakh to families earning up to ₹1.8 lakh for free and to those earning ₹6 lakh at nominal premium rates.

   Category	Details
   State	Haryana
   Launched	2022
   Coverage Amount	Up to ₹5 lakh
   Eligibility	Families earning up to ₹6 lakh/year
   Key Benefit	Free for income up to ₹1.8 lakh
   Key Beneficiaries	Families with annual income up to ₹6 lakh in Haryana

10. Chief Minister's Comprehensive Health Insurance Scheme (CMCHIS)

    CMCHIS provides cashless medical cover up to ₹5 lakh along with neo-natal and maternity benefits, without any waiting period to claim the benefits, for poor families in Tamil Nadu.

    Category	Details
    State	Tamil Nadu
    Launched	2009
    Coverage Amount	Up to ₹5 lakh
    Eligibility	Income below ₹1,20,000/year
    Key Benefit	1,090+ procedures, maternity cover included
    Key Beneficiaries	Families with annual income below ₹1,20,000 in Tamil Nadu

11. Aarogyasri

    Aarogyasri provides Rs. 5,00,000/- per year for medical expenditure, such as day care, out-of-door and in-patient benefits to BPL families in Andhra Pradesh from day one.

    Category	Details
    State	Andhra Pradesh
    Launched	2007
    Coverage Amount	₹5 lakh/family/year
    Eligibility	White ration card holders, land under 35 acres
    Key Benefit	PED covered from day 1
    Key Beneficiaries	BPL families with white ration card in Andhra Pradesh

12. HIMCARE

    The scheme of HIMCARE offers a benefit of ₹5 lakhs to the BPL families of Himachal Pradesh, which is not covered under the Ayushman Bharat scheme, who can avail cashless hospitalization within and outside HP at the empanelled hospital without any hassle.

    Category	Details
    State	Himachal Pradesh
    Launched	2019
    Coverage Amount	₹5 lakh/family
    Eligibility	Non-BPL families needing financial support
    Key Benefit	Coverage extends to a few hospitals outside HP
    Key Beneficiaries	Himachal Pradesh residents not covered under Ayushman Bharat

13. Rajiv Aarogyasri Scheme, Telangana

    The scheme provides free cashless treatment for up to ₹10 lakhs per BPL family in Telangana State for critical illnesses, with a specific cover of ₹6.5 lakhs for cochlear implants.

    Category	Details
    State	Telangana
    Launched	2007
    Coverage Amount	Up to ₹10 lakh/family/year
    Eligibility	BPL families, resident 18+ months
    Key Benefit	1,835 treatments, cochlear implant cover
    Key Beneficiaries	BPL families resident in Telangana for 18+ months

14. Karunya Arogya Suraksha Padhathi (Integrated With AB-PMJAY)

    The KASP scheme was introduced by the Government of Kerala, providing health insurance cover for critical illnesses to poor families with cashless treatment cover in empanelled hospitals, whether private or government. It has now been integrated with the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY).

    Category	Details
    State	Kerala
    Launched	2019
    Coverage Amount	Up to ₹5 lakh/family
    Eligibility	Economically vulnerable families
    Key Benefit	Secondary and tertiary medical care covered

15. Arogya Karnataka Scheme (Integrated with AB-PMJAY)

    This scheme of the state of Karnataka, now it has been officially merged with the central government’s Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). The integrated scheme is referred to as Ayushman Bharat - Arogya Karnataka (AB-ArK). AB-ArK, covers all BPL families with a ₹5 lakh cover and 30% cover (up to ₹1.5 lakhs) for APL families.

    Category	Details
    State	Karnataka
    Launched	2018
    Coverage Amount	₹5 lakh (BPL), 30% subsidy (APL)
    Eligibility	All Karnataka residents
    Key Benefit	Now integrated with Ayushman Bharat
    Key Beneficiaries	BPL families and APL families in Karnataka

16. Ayushman Bharat Yojana Uttar Pradesh

    It is the UP-specific version of the Ayushman Bharat, providing ₹5 lakhs cashless cover for 1,900+ treatment packages which can be used at any empanelled hospital in India. 

    Category	Details
    State	Uttar Pradesh
    Coverage Amount	₹5 lakh
    Eligibility	Low-income households
    Key Benefit	Pan-India hospital portability
    PED Cover	From day 1
    Key Beneficiaries	Low-income households in Uttar Pradesh

17. Atal Amrit Abhiyan (Integrated with AB-PMJAY)

    Atal Amrit Abhiyan helps the poorer families in Assam by providing coverage of ₹2 lakh per person for six costly disease categories, including cardiovascular and renal diseases.

    Category	Details
    State	Assam
    Launched	2016
    Coverage Amount	₹2 lakh/individual
    Eligibility	BPL and low-income APL families
    Key Benefit	Covers 6 high-cost disease categories
    Key Beneficiaries	BPL and low-income APL families in Assam

18. Gopabandhu Jan Arogya Yojana (GJAY) (Integrated with AB-PMJAY) 

    Under the GJAY program, the citizens of Odisha will get free cashless treatment with ₹5 lakh insurance coverage in the rural area and ₹6 lakh insurance coverage in urban areas along with additional ₹5 lakh coverage for female beneficiaries. The Odisha Government Scheme GJAY is completely operational and integrated with the central government’s scheme AB PM-JAY.

    Category	Details
    State	Odisha
    Coverage Amount	₹5–6 lakh/family
    Eligibility	All Odisha residents
    Key Benefit	Extra ₹5 lakh cover for women
    Treatment	Free, cashless
    Key Beneficiaries	All Odisha residents including rural and urban poor families

19. Mukh Mantri Sarbat Sehat Bima Yojana (MMSSBY) (Integrated with AB-PMJAY)

    The Mukh Mantri Sarbat Sehat Bima Yojana (earlier known as AB-PMJAY MMSBY) is updated and included in the Mukh Mantri Sehat Yojana (MMSY). It continues to be a very active scheme and is very much linked with AB-PMJAY. The MMSSBY scheme offers cashless treatments for 2,000 packages to economically weaker sections of Punjab. The scheme is combined with the Mukh Matri Sehat Yojna scheme in 2026 with coverage of ₹10 lakhs for each household.

    Category	Details
    State	Punjab
    Launched	2019 (upgraded 2026)
    Coverage Amount	Up to ₹10 lakh
    Eligibility	All bonafide Punjab households
    Key Benefit	PED covered from day 1
    Key Beneficiaries	All bonafide Punjab households

Enrollment and Claim under a Government Health Insurance

Although there may be slight differences in each state, government health insurance schemes follow an almost identical procedure across the country.

1. Check Eligibility 

   Depending on the income (BPL/APL), Occupation, residence in the state or Category (senior citizen, pregnant women, migrant laborers, etc.) This can normally be done using the SECC database or ration cards.

   Eligibilities and Government Assistance:

   • Poor economic section based on income
   • Occupations/Employee based on Occupation
   • Senior citizens (Age Based)
   • This will be eligibility based on residence and not for the specific state schemes.
   • Complete or partial government assistance, depending on the scheme

2. Documents needed

   Aadhaar Card, Ration Card/Income certificate, Family information, photo, bank details, state domicile certificate (specific to the state).

3. Enrollment Online/Offline

   Online through the official website (pmjay.gov.in) and offline via the CSCs, empanelled hospitals and enrolment camps, etc., post-Aadhaar/OTP verification.

4. Verification & Card Issuance

   Application is digitally or manually verified, beneficiaries receive a health card and unique ID, typically 2–14 days later.

5. Cashless Treatment

   Present the health card and ID at the help-desk of an empanelled hospital, and the treatment is given without having to pay anything upfront.

6. Claim Processing (Reimbursement Schemes)

   In these schemes, such as CGHS, submit bills, prescription details and discharge reports for reimbursement and it takes 30-45 days.

   Common Reasons for Rejection:

   • Non-empanelled hospital used
   • Aadhaar/document mismatch
   • Failure to pay bills or discharge summary
   • There is a procedure that is not listed in the covered package list.
   • Late claim submission

Note: Ensure empanelment with hospitals before admission, update all information like Aadhaar/bank details and keep all original bills/papers.

Benefits of Government Health Insurance Schemes

1. Financial Safety in Case of Emergencies

   The primary benefit of government health insurance schemes is financial safety in case of emergency situations. Admission to hospitalisation, surgeries, and other critical procedures can easily cost lakhs of rupees, which no poor family can afford. This scheme covers such expenses, thereby preventing families from going into debt.

2. Access to High-Quality Health Care Nationwide

   Many of the government health insurance schemes give patients access not only to hospitals in their home state but also throughout the country via an entire network of government and private hospitals.

3. Insurance of Vulnerable and Marginalised Groups

   It often happens that senior citizens, migrants, differently abled people, and poor families face difficulties when trying to get insured through private health insurance. Govt health insurance schemes are specially tailored to accommodate such people.

4. Prevention of Disease and Early Diagnostics

   In addition, some health insurance schemes pay particular attention to preventive healthcare – screening, diagnostic tests, and timely detection of diseases.

5. Easy Registration Online and Offline

   Most health insurance schemes can be registered online, using Aadhar and mobile authentication as well as offline at CSCs, hospitals, and government enrollment camps.

How Government Health Plans Are Shaping Universal Healthcare Access

With the cost of healthcare services in India on the rise, government health insurance becomes even more significant. It is believed that in the future, through the development of hospital networks, improved IT infrastructure, and regular improvements to the scheme, existing coverage shortcomings will be addressed. Provided that the appropriate government health insurance scheme is in place, citizens can enjoy adequate healthcare regardless of their financial condition in the future.