Government Health and Insurance Schemes (2026)
9 schemes · central & state · official links
Data last verified against official sources:
These are the government schemes tracked on Nagarik that health & insurance can use: hospital cover, low-cost medicines, TB nutrition support, doorstep care, and accident and life insurance. 6 are central schemes that apply across India and 3 are run by state governments. Each scheme links to its own page with eligibility, status and the official website. Apply only on official government portals; you do not need an agent.
Central government schemes
| Scheme | Run by | What it offers | Official link |
|---|---|---|---|
| Ayushman Bharat — PM Jan Arogya Yojana (PM-JAY) | Government of India | Health insurance scheme providing ₹5 lakh per year per family for secondary and tertiary hospitalisation across public and empanelled private hospitals. | beneficiary.nha.gov.in ↗ |
| Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) | Government of India | Sells quality generic medicines at lower prices through Jan Aushadhi Kendras. | janaushadhi.gov.in ↗ |
| Ni-kshay Poshan Yojana (TB Nutrition Support) | Government of India | Monthly direct bank transfer to people being treated for tuberculosis, to support nutrition during treatment. | nikshay.in ↗ |
| Pradhan Mantri Suraksha Bima Yojana (PMSBY) | Government of India | Low-cost accident insurance for bank account holders aged 18–70. | jansuraksha.gov.in ↗ |
| Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) | Government of India | Life insurance for bank account holders aged 18–50, covering death from any cause. | jansuraksha.gov.in ↗ |
| PM RAHAT (Cashless Treatment of Road Accident Victims) | Government of India | Ministry of Road Transport & Highways scheme (Road Accident Victim Hospitalization and Assured Treatment) giving road accident victims cashless treatment of up to ₹1.5 lakh for 7 days at designated hospitals. | pib.gov.in ↗ |
State government schemes
| Scheme | Run by | What it offers | Official link |
|---|---|---|---|
| Rajiv Arogya Sri (Healthcare) | Telangana | Telangana's long-standing health insurance scheme providing cashless hospitalisation for BPL families. | aarogyasri.telangana.gov.in ↗ |
| Gopabandhu Jan Arogya Yojana | Odisha | Odisha health insurance scheme integrated with Ayushman Bharat PM-JAY, launched in April 2025. | gjay.odisha.gov.in ↗ |
| Makkalai Thedi Maruthuvam | Tamil Nadu | Doorstep healthcare for elderly (65+), bedridden, and differently abled patients. | nhm.tn.gov.in ↗ |
Schemes for others
Frequently asked questions
Which government schemes are there for health & insurance in India?
Schemes tracked on Nagarik include Ayushman Bharat — PM Jan Arogya Yojana (PM-JAY), Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP), Ni-kshay Poshan Yojana (TB Nutrition Support), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), PM RAHAT (Cashless Treatment of Road Accident Victims), Rajiv Arogya Sri (Healthcare) and Gopabandhu Jan Arogya Yojana.
Which central government schemes are for health & insurance?
Central schemes include Ayushman Bharat — PM Jan Arogya Yojana (PM-JAY), Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP), Ni-kshay Poshan Yojana (TB Nutrition Support), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and PM RAHAT (Cashless Treatment of Road Accident Victims).
Where can I apply?
Apply only on the official portal of each scheme. For example: Ayushman Bharat — PM Jan Arogya Yojana (PM-JAY) (beneficiary.nha.gov.in); Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) (janaushadhi.gov.in); Pradhan Mantri Suraksha Bima Yojana (PMSBY) (jansuraksha.gov.in); Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) (jansuraksha.gov.in).