Insurance schemes

Health Insurance

Schemes offered by Indian Goverment

  •  Life Insurance

Government Life Insurance and pensionschemes 

Forms are to be filled in & submitted to the bank , each bank has its own form can guide 

1) Pradhan Mantri Jeevan Jyoti Bima Yojana is a government-backed Life insurance scheme in India. Pradhan Mantri Jeevan Jyoti Bima Yojana is available to people between 18 and 50 years of age with bank accounts. It has an annual premium of ₹330. In case of death due to any cause, the payment to the nominee will be ₹2 lakh.
This scheme will be linked also to the bank accounts opened under the Pradhan Mantri Jan Dhan Yojana scheme. where zero balance is also permitted
 Pradhan Mantri Suraksha Bima Yojana  PMSBY is a government-backed accident insurance scheme in India.
This Yojana is available to people (Indian Resident or NRI) between 18 and 70 years of age with bank accounts. It has an annual premium of ₹12 exclusive of taxes. The amount is automatically debited from the account.
In case of unexpected death or full disability, the payment to the nominee will be ₹2 lakh  and in case of partial Permanent disability ₹1 lakh.
2) PENSION – Atal Pension Yojana is a government-backed pension scheme in India, primarily targeted at the unorganised sector.
The minimum eligible age for a person joining APY is 18 years and the maximum is 40 years. An enrolled person would start receiving pension on attaining the age of 60 years. Therefore, a minimum period of contribution by the subscriber under APY would be 20 years or more.

The Pradhan Mantri Jan Arogya Yojana (PMJAY) popularly known as Ayushman Bharat Yojana Scheme is the flagship scheme by the Government of India. It is essentially a health insurance scheme to cater to the poor, lower section of the society and the vulnerable population. The scheme offers financial protection in case of hospitalization due to medical emergencies.
Website for more info
Govt website

4) MAA Card (Mukhyamantri Amrutam Yojana)
 Ayushman Bharat Golden Card. The government also provides FREE health card under  “swast sewa yojna” if your Annual income is below INR 2 lacs per annum . in Gujarat as Mukhyamantri Amrutam Yojana i.e. MA Yojana.
Download help manual (PDF)
Eligibility For Mukhyamantri Amrutum Yojana:
MA Amrutam Yojana eligibility is limited to certain families that have low annual income. If your income exceeds the pre-decided amount, or you do not belong to a specific occupation, you may not be allowed to enrol under the scheme. Take a look at the following conditions of eligibility:A family that is listed in the Below Poverty Line (BPL) list. This list is created by the State Government. All the members of the family must be present in order to get enrolled under the MA Yojana.Eligibility For MA Vatsalya Yojana:Families belonging marginally above the poverty line can enrol under the MA Vatsalya Yojana. Other beneficiaries can also enrol in this scheme. Here are the conditions of eligibility:Family’s annual income is up to Rs. 4 LakhAccredited Social Health Activist (ASHA) workers
Accredited Reporters
Class 3 & 4 employees appointed by the state government who are on a fixed payU-win Card holdersSenior citizens belonging to families where the annual income is up to Rs. 6 Lakh
The website is here You can apply
However an Income certificate is required for which the Tehsil is to be approached
17 Types of Health Insurance schemes of Government click here

Goverment Schemes

Other Schemes


1) Central Government Health Scheme (CGHS):
As the name suggests, this policy is initiated by India’s Central Government. Central Government employees are eligible for this policy. For example,
Supreme Court judges, Certain Railway Board employees, etc. This policy has been active for six decades and has covered more than 35 lakh
employees and pensioners.
Hospitalization, as well as domiciliary care, are covered as per this plan’s terms and conditions. Central Government Health Insurance Scheme covers
Allopathy and Homeopathy as well. It is available in 71 cities and the plan is to expand the scope to more areas.
 2)  Employees’ State Insurance Scheme:
A huge number of people worked in factories post-independence in India. The working conditions were such that there were injuries and deaths as well. This is where the concept of insurance proved beneficial. Employees’ State Insurance Scheme was launched in the year 1952 to offer a financial cover in case of illness, disability or death faced by insured workers/employees.
Initially, only Kanpur and Delhi were considered, but the scope of the scheme expanded with time. This policy got an upgrade in the year 2015. Now, more than 7 lakh factories are a part of this scheme.
3) Rashtriya Swasthya Bima Yojana:
This scheme is directed towards people working in the unorganized sector. Often, they are not covered under any insurance policy. And in such a scenario, if they fall ill – which happens frequently – their savings get exhausted. Thus, they are never able to ensure they have savings in the bank. This is where health insurance can prove helpful to them.
Rashtriya Swasthya Bima Yojana is initiated by the Indian Government’s Ministry of Labour and Employment. Individuals workers in the unorganized sector and below the poverty line are covered under this scheme. The cover also extends to their family (maximum of five members).

4) EWS reservation

 The Central Government has recently introduced 10% reservation quota for the Economically Weaker Sections (EWS) among General Category candidates in government jobs and educational institutions. However, many are unsure about the EWS Reservation Eligibility.
If you are a deserving candidate from the Economically Weaker Section (EWS), we truly wish you should not miss the EWS quota with respect to the seats in Government Jobs (like IAS, IPS etc) and Government institutes (like the IIMs and IITs). Read this post to know in detail about the criteria to be included in the EWS Quota.
For more information


How to fill the Applicant Form

Guidelines to fill Epi Applicant form

The form is to be filled in English and will permit Urdu and Hindi in future.

The main mandatory field is marked with asterix* Full name and correct mobile number to contact is mandatory.

Form can be filled by student or parent /guardian or any person on their behalf.

In case the person filling the form is not the Applicant or guardian then please enter the name and number in the remarks at end of form

The mobile number entered of the student is an important field and organization will contact the Applicant on this number
This is also the number based on which the form can be accessed in future by Applicant .

The form has following Sections
-Student details
-Parent Guardian details
-Student education history
-Student education funding request
-Recommendation person details
-Attachments ie photo marksheet
-General remarks

In case some details are not available the same can be left blank
The form can also be saved and changed or updated later by using the student phone number
Only upon completion of all sections correctly the form will be saved and submitted.

In case you need help to fill the form please contact +91 98078 11612


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Link to download application form is

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