Government health and medical insurance programs safeguard citizens against catastrophic out-of-pocket medical expenditures during major illnesses, surgeries, and critical hospitalizations. The National Health Authority (NHA) operates the world's largest public health insurance scheme, Ayushman Bharat PM-JAY.
Beneficiary families receive up to ₹5 Lakh per year in cashless, paperless secondary and tertiary hospitalization coverage across thousands of empaneled public and private hospitals across India.
State healthcare schemes (such as Swasthya Sathi in West Bengal, Mukhyamantri Amrutum in Gujarat, and Aarogyasri in Telangana) complement central coverage by extending cashless treatment to state residents.