What is the official online portal of ECHS?

Category: Health Insurance

West Bengal Health Scheme (WBHS) – A Complete Guide

Post author By parastar
Post date October 11, 2022

West Bengal Health Scheme (WBHS) – A Complete Guide

The West Bengal Health Scheme (WBHS) is health scheme for State Government Employees in West Bengal. This scheme was introduced by The State Government of West Bengal in 2008, in association with the state’s finance department. WBHS provides cashless health coverage to eligible state government employees of West Bengal.

This is one of the most important social healthcare schemes in the state, and has proved to be beneficial to lacs of state government employees in West Bengal.

Let us now discuss about some of the most important aspects of this scheme and provide you with a complete and detailed overview of the scheme. Topics discussed below are:

Features and benefits of WBHS
Coverage under this scheme
How to register under WBHS?
How to apply for a claim under WBHS?
WBHS Eligibility criteria
WBHS Portal
How to login to WBHS
WBHS Hospital list
WBHS Rate Chart
WBHS Downloads
WBHS Online Claims
WBHS Contact Details

Features and benefits of WBHS

Mentioned below are some of the most important and notable benefits and features of The West Bengal Health Scheme (WBHS):

Cashless indoor treatment coverage up to Rs.1.5 Lakhs per beneficiary. If the treatment cost goes beyond Rs.1.5 Lakhs, reimbursement is subject to clauses mentioned within the scheme.
Option for OPD treatments and consultations are also available.
Surgical treatment is covered.
A total of 1014 different medical conditions are covered under WBHS.
Cashless treatment is provided, but the beneficiary will need to visit a network hospital in order to avail cashless coverage. Further, if a scheme beneficiary gets treatment in a non-network hospital, he/she will only be eligible to receive reimbursement up to a certain percentage of the treatment cost.

Notable statistics of this scheme

Some notable stats include (As of 2022):
888985 beneficiaries of these scheme
175 Private Hospitals Empaneled under this scheme
There are over 500+ treatments at any given time

Coverage under this scheme

A wide variety of diseases and disorders are covered under this scheme. Let us list some of the most common diseases covered under the scheme:

Neurology
Cardiology
Laparoscopic/Endoscopic operations
E.N.T
Ophthalmology
General Surgery
Nephrology
Vascular Surgery
Dental treatment
Burns
Respiratory disorders
Skin disorders
Obstetric disorders
Gynecology
Malaria
Tuberculosis
Crohn’s Disease
Rheumatoid Arthritis
Hepatitis
COPD (Chronic obstructive pulmonary disease)
Diabetes
Renal failure
Thalassemia
Animal bites
Accidents
LUPUS

You can get a complete list of all diseases covered here.

How to register under WBHS?

You can register under The WBHS Scheme in the following simple steps:

Step 1) Visit the official WBHS Website

Step 2) Hover over the ‘Online Enrolment’ tab and click on ‘Govt Employee’

Step 3) Enter your date of employment

Step 4) Enter your personal details and family details and proceed

Step 5) Upload the requested documents to the website

Step 6) Save all the details and take a print of the application form

Your registration is now complete.

How to apply for a claim under WBHS?

You can file a claim under WBHS using the below mentioned simple steps:

Step 1) First, you will need to show your WBHS Card to your hospital

Step 2) The hospital will verify your WBHS Card

Step 3) Upon completion of treatment, the government will disburse the treatment cost to the hospital

WBHS Eligibility Criteria

The below mentioned people are eligible for enrolling under WBHS:

Employees of The State Government of West Bengal, their families, pensioners and their families
All India Service Officers and pensioners
IPS, IAS, and IFS Officers
Beneficiaries who have opted for this scheme as medical allowance

WBHS Portal

This scheme scheme is tech-savy and a lot the scheme features and benefits can be handled through the online WBHS Portal. Further, all scheme related documents, forms, information, and additional features can be accessed through the portal. You can access the portal here.

How to login to WBHS

You will need to login to the WBHS Portal in order to access scheme related features like submitting a claim, uploading your documents, monitoring your claim status and more. Let us now find out how you can login to your account.

Step 1) Visit the official WBHS Portal

Step 2) Click on the green ‘Login’ button on the top right hand side

Step 3) Enter your User ID, Password, Captcha and press on OK

You will now be logged into your WBHS Account

WBHS Hospital list

All Government Hospitals, clinics, diagnostic centers that come under the management of The State Government of West Bengal are empaneled under this scheme.

There are also certain selected private hospitals that are empaneled under this scheme. You can find a list of all of the empaneled hospitals here.

Some notable hospitals empaneled with WBHS include:

Sr. No	Notable Hospitals Empanelled under WBHS
1	Ruby General Hospital
2	Desun Hospital and Heart Institute
3	Charnock Hospitals
4	ECO Hospital and Diagnostics
5	Nightingale Diagnostic and Medicare
6	Vivekananda Hospital
7	Sanjiban Hospital
8	Glocal Hospital
9	Dreamland Nursing Home
10	K.P.C Medical College and Hospital
11	Paramount Hospital
12	The Calcutta Medical Research Institute
13	Malda Nursing Home
14	Mission of Mercy Hospital
15	Citylife Hospital

WBHS rate chart

All procedures covered have a maximum rate chart that they need to adhere to. You can access the entire rate chart of all procedures and surgeries, and their associated maximum coverage rate here.

WBHS Downloads

You can download all necessary forms from here.

Downloadable forms include the following:

Application form
Claim submission form
E-payment mandate form
Rate chart
Claim reimbursement form

WBHS Online Claims

You can initiate an online claim through the WBHS Online Claim page. But first, you will need to login to your WBHS Account.

WBHS Contact Details

Department	Contact Details
Technical Helpline	support.hshed-wb@nic.in, 18001028014
Government Offices	wbhsgovt.officeassist@gmail.com
All Hospitals	wbhshospitalassist@gmail.com

Officials	Contact Details
Mr. Aloke Kumar Mukherjee (WBA & AS Joint Secretary)	033-2254-4197, js1med.fd-wb@gov.in
Mr. Swayambhu Dey (Accounts Officer and Ex-Officio Assistant Secretary)	033-2254-4730, 033-2254-4730
Mr. Manikratan Dey (OSD & EO Joint Secretary)	033-2254-5049, dsmed.fd-wb@gov.in

Ex Servicemen Contributory Health Scheme (ECHS) – A Complete Guide

Swavlamban Health Insurance Scheme (Enrolment, Benefits & Eligibility)

Niramaya Health Insurance Scheme (Benefits, Coverage & Enrolment)

Awaz Health Insurance Scheme (Enrollment, Benefits and Features)

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Frequently asked questions

The full form of WBHS is West Bengal Health Scheme.

2008

Mamata Banerjee

Yes, it is solely available to state government employees in Bengal.

https://wbhealthscheme.gov.in/

Health Insurance

Ex Servicemen Contributory Health Scheme (ECHS) – A Complete Guide

Post author By parastar
Post date October 9, 2022

Ex Servicemen Contributory Health Scheme (ECHS) – A Complete Guide

The Ex Servicemen Contributory Health Scheme (ECHS) is a social welfare scheme designed to provide Medicare to Ex-servicemen and their dependents. This scheme was launched in the year 2003 by The Department of Ex-servicemen Welfare and currently has 427 Polyclinics and medical treatment centers and hospitals across the nation.

The scheme is completely financed by The Government of India, and is currently headed by MAJ General NR Indurkar – Managing Director of ECHS.

Let us talk about the most important benefits and features of the scheme. Further, we will discuss in detail about some of the other most important aspects of the scheme, such as:

What is ECHS?
Benefits and features of ECHS
How to apply for ECHS
ECHS eligibility criteria
How to login to your ECHS account
ECHS card status
How to submit a claim
How to check your ECHS claim status
List of network hospitals and polyclinics
Contact details

What is ECHS?

The Government along with the Armed Forces realized that the current systems of state sponsored Medicare were not enough for our nation’s soldiers, hence they introduced The Ex Servicemen Contributory Health Scheme (ECHS)

Under this scheme, eligible personal will be entitled towards quality medical treatment and medical coverage to the retirees of the Indian Armed Forces. The ECHS not only covers Ex-servicemen but it also extends its coverage to the person/family that is in receipt of thee Ex-servicemen’s pension (after his/her death)

Benefits and features of ECHS

The following are the core benefits and features of ECHS:

The ECHS Scheme is a comprehensive medical care scheme covering all of the major disorders and diseases, including cancer, neurological conditions, cardiac conditions, renal disorders, joint replacement surgeries and many more. Further, there is no cap on treatment costs.
The is a fully financed scheme by The Government of India.
Scheme beneficiaries can avail medical treatment in over 427 Polyclinics and medical treatment centers and hospitals across the country.
OPD treatment is also covered under this scheme, and is completely free of cost.
Although treatment is completely free of charge and borne by the Government, the beneficiaries of the ECHS Scheme will need to pay a one-time contribution fee (mentioned below) at the time of enrolling under this scheme.

How to apply for ECHS

As mentioned before, all Ex-servicemen are eligible to enroll under this scheme. Let us now understand the steps involved for applying towards this scheme:

Offline process

Step 1) Collect the ECHS application form and fill it

Step 2) Make the one-time contribution fee

Step 3) You will need to furnish an affidavit (if needed)

Step 4) Collect your ECHS Smart Card

Online process

You can also register under this scheme through the official ECHS website. Let us guide you through the steps.

Step 1) Visit the official website

Step 2) Navigate to the ‘useful links’ tab and click on ‘ECHS Smart Card Online Application.’

Step 3) Fill-up the registration form

You will now need to populate the requested details within the form.

Step 4) Your ECHS account will now be registered

Once filled and submitted, your ECHS account will now be registered

Step 5) You will now be required to submit all relevant documents either physically or online through the portal

You can now login to your ECHS portal with your username and password and upload the requested documents to the portal.

Step 6) Documents will now be vetted

Once all documents are vetted, you can download your ECHS Card through the portal.

ECHS eligibility criteria

The following are eligible towards ECHS:

All Ex-servicemen of the Indian Armed Forces (Army, Navy, and Air Force) that are receiving pension or disability pension, as well as their dependants.
Members of the military Nursing Service (MNS)
Whole time officers (WTOs) of The National Cadet Corps (NCC)
Short Service Commissioned Officers (SSCOs)

To learn about the entire eligibility requirements kindly visit the following link and scroll down to the ‘Eligibility section.’

How to login to your ECHS account

Step 1) Visit the official ECHS website

Step 2) Navigate to the ‘useful links’ tab and click on ‘ECHS Smart Card Online Application.’

Step 3) Click on ‘Click to Login’

Step 4) Enter your login details and press on ‘Login’

You can also reach out to their customer support team through the following contact details below:

How to check your ECHS claim status

ECHS claim status

You can easily check your ECHS claim status by visiting their ‘Online Claim Status Checker’ page. Once on the page, kindly enter the following details:

Service number
Claim ID
Captcha code
And press ‘Submit’

ECHS Card status

Once you have registered under the scheme, you can login to your ECHS account and download your ECHS card. You can also check your card status through the portal after logging-in.

ECHS Android and IOS App

With a view to improve the user experience, various features and benefits of The ECHS scheme can be accessed through The Official ECHS Android and IOS Apps respectively. Kindly download the apps on your phone and access the portal through it.

How to submit a claim

Your claim can be submitted online through their claim submission page on The ECHS portal.

Ensure that you have below mentioned documents at hand before submitting you claim:

List of network hospitals and polyclinics

It is important that you are well versed with the nearest hospitals and polyclinics affiliated under this scheme. You can get a complete list of all hospitals here.

Contact details

You can locate your nearest nearest ECHS Regional center here. Lastly, you can reach out to the major scheme officials here.

Swavlamban Health Insurance Scheme (Enrolment, Benefits & Eligibility)

Niramaya Health Insurance Scheme (Benefits, Coverage & Enrolment)

Awaz Health Insurance Scheme (Enrollment, Benefits and Features)

Rashtriya Swasthya Bima Yojana (Name Check, Benefits & Hospital List)

Experience the power of Artificial Intelligence (A.I)

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Frequently asked questions

The full form of ECHS is Ex-Servicemen Contributory Health Scheme (ECHS)

2003

MAJ General NR Indurkar (As of 2022)

Yes, it is solely available to Ex-servicemen and their dependents.

Health Insurance

Mahatma Jyotiba Phule Jan Arogya Yojana- MJPJAY (Complete Guide)

Post author By parastar
Post date October 7, 2022

Mahatma Jyotiba Phule Jan Arogya Yojana- MJPJAY (Complete Guide)

The Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) is one of the most important flagship health insurance schemes in the State of Maharashtra. The MJPJAY Scheme was launched by The State Government of Maharashtra in 2012, with the aim of providing free medical care to the underprivileged in the State of Maharashtra.

MJPJAY provides health care coverage up to a sum assured of ₹1,50,000 for eligible people. Let us now discuss about some of the most important aspects of MJPJAY, such as:

Features and benefits
Eligibility
List of diseases covered
How to apply for MJPJAY

Features and benefits

The Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY) was introduced with the objective to provide good quality health insurance coverage to the poor and underprivileged people in Maharashtra.
Under this scheme, eligible personal can avail completely free health care treatment up to a sum of ₹1,50,000.
Pre-existing diseases and disorders are covered under this scheme from the 1st day itself.
Both, diagnostics as well as surgical intervention is covered under MJPJAY.
The scheme beneficiary will have the choice to either get admitted in a government hospital or a private hospital (will have to be empaneled.) The choice remains with the scheme beneficiary.
Most major diseases, disorders, and conditions are covered under this scheme.
Further, there is a list of surgeries that will only be conducted at government authorized hospitals. Apart from these surgeries, the beneficiary is free to choose his hospital.
Both individual as well as family floater options can be availed under this scheme.

Eligibility

This scheme can be availed by anyone that matches all the below criteria:

A person/family living in a distressed area of Maharashtra
A person having a Ration Card, Annapurna Card, and Antyodaya Anna Yojana Card (AAY)

Even farmers that belong to distressed areas can apply under this scheme.

List of diseases covered

Let us now list some of the major diseases covered under MJPJAY:

Burns
Craniological diseases
General surgery
Opthamology Surgery
Pediatric Surgery
Surgical Oncology
Plastic Surgery
Infectious Disease
Gastroenterology
Nephrology
Neurological disorders
Dermatology
Thyomectomy
Refractory Cardiac Failure
Renal Angioplasty
Snake Bite Requiring Ventilator Support
Tb Tympanoplasty
Meningitis
Severe anemia

Here is a complete list of all covered diseases.

How to apply for MJPJAY and get The MJPJAY Card?

Visit your nearest government hospital (has to be a network hospital) and ask to speak with an Arogyamitra. An Arogyamitra is a person that will assist you in enrolling under The MJPJAY scheme and getting your MJPJAY Health Card.
Submit the requested documents to your Arogyamitra.
Once your documents are submitted and approved by your Arogyamitra, your health card will be disbursed to you.
You can now use this health card at any network hospital while availing treatment.

Swavlamban Health Insurance Scheme (Enrolment, Benefits & Eligibility)

Niramaya Health Insurance Scheme (Benefits, Coverage & Enrolment)

Awaz Health Insurance Scheme (Enrollment, Benefits and Features)

Rashtriya Swasthya Bima Yojana (Name Check, Benefits & Hospital List)

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Chat with our super-intelligent A.I model and ask it anything about insurance and related products.

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Health Insurance

Chiranjeevi Health Insurance Scheme (Get Complete Details)

Post author By parastar
Post date October 7, 2022

Chiranjeevi Health Insurance Scheme (Get Complete Details)

The Chiranjeevi Health Insurance Scheme also known as the Mukhyamantri Chiranjeevi Yojana is a notable social scheme launched by the Government of Rajasthan in 2021. Eligible persons can avail health insurance at a highly subsidized rate. Under this scheme, all permanent residents of Rajasthan can apply towards this scheme.

Also, poor Rajasthani residents (under BPL, SECC and NFS) will be eligible to receive health insurance coverage free of charge. Let’s talk about the most important aspects of The Chiranjeevi Health Insurance Scheme, such as:

Features and benefits
Scheme eligibility
Scheme application process

Features and benefits

The Chiranjeevi Health Insurance provides health insurance coverage to Rajasthani residents up to ₹10 Lakhs at an extremely nominal and subsidized premium of ₹850 / year. Also, Rajasthani natives that fall under BPL, SECC and NFS will get health insurance coverage completely free of cost.
The policyholder will be covered against more than 1500+ medical treatments.
The policyholders under this scheme can avail cashless hospitalization. This is a highly beneficial feature as the policyholder will not need to bear out-of-pocket expenses.
This scheme provides both post and pre hospitalization coverage.
Policyholders can avail medical treatment in government as well as private hospitals, the choice is theirs.

Scheme eligibility

This is a rather straight-forward scheme; the scheme beneficiaries will need to be permanent residents of the State of Rajasthan. Further, poor Rajasthani residents (under BPL, SECC and NFS) will be eligible to receive scheme benefits completely free of cost.

Scheme application process

Let us now find out how to apply for this scheme.

Step 1) Visit the official scheme website and click on ‘Online Registration’

chiranjeevi health insurance scheme website — Chiranjeevi health insurance scheme website

First, you will need to visit the official scheme website.
Next, click on ‘Online Registration.’

Step 2) Make your unique SSO ID

Now, You will need to click on ‘Redirect to SSO’
Redirect to SSO
Once clicked, now you will need to register for your SSO ID.

Click on either ‘Jan Aadhar’ or ‘Google’ button.
Enter your Aadhar number or Google ID and click on ‘Next.’
Now, the system will send you a unique SSO ID link. Fill-up the requested details on this link and click on ‘Register.’
SSO registration

You have now registered on the portal. You can also view a complete video demo on how to register here.

Step 3) Sign-in to the portal

Now you can sign-in to the portal using your login and password credentials.

Step 4) Upload your documents

After logging into your account, you will now need to upload all the relevant documents to the portal.
After the documents are uploaded, the same will be vetted and if eligible, you will become a policyholder under The Chiranjeevi Health Insurance Scheme.

The following documents will be requested to be uploaded, ensure they are on-hand. Aadhaar card, Income certificate, Passport size photograph, bank statement, phone number, BPL certificate, ration card, address proof.

Step 5) Check your status

You can now check your application status through the online portal.

Swavlamban Health Insurance Scheme (Enrolment, Benefits & Eligibility)

Niramaya Health Insurance Scheme (Benefits, Coverage & Enrolment)

Awaz Health Insurance Scheme (Enrollment, Benefits and Features)

Rashtriya Swasthya Bima Yojana (Name Check, Benefits & Hospital List)

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Frequently asked questions

2021

Ashok Gehlot

INR 850 / year

No, it is only available to Rajasthani Natives.

Health Insurance

Swavlamban Health Insurance Scheme (Enrolment, Benefits & Eligibility)

Post author By parastar
Post date October 5, 2022

Swavlamban Health Insurance Scheme (Enrolment, Benefits & Eligibility)

The Swavlamban Health Insurance Scheme, launched in 2016, is a public health insurance scheme that provides health care coverage for people with disabilities (PwDs). PwDs have a hard time getting covered by private insurance companies, this leads them to be excluded from the helpful umbrella of insurance.

The Government of India realized this and in an attempt to ensure that PwDs get adequate insurance coverage came up with The Swavlamban Health Insurance Scheme. PwDs include people with blindness, leprosy, motion disabilities, mental illness and disorders, hearing impairments, and similar disorders.

Let us now learn about the most important topics concerning The Swavlamban Health Insurance Scheme, including:

Features and Benefits of the scheme
How to enrol under the scheme
Scheme eligibility

Features and Benefits of the scheme

The Swavlamban Health Insurance Scheme provides a health coverage of Rs.2 Lakhs for people with disabilities at a very low premium of Rs.357/year.
The scheme also provides a family floater option that can extend coverage of the scheme to the entire family.
PwDs do not need to undergo any medical tests or check ups in order to enroll themselves in this scheme.
Coverage will be extended to pre-existing conditions and disorders.
Both, pre and post hospitalizations are covered under this scheme.
OPD coverage (up to Rs.10,000 / year.)
Cashless coverage will be extended to PwDs

How to enroll under the scheme

The scheme is run through The New India Assurance Company limited, which is running the scheme in association with The Ministry Of Social Justice, Department of Empowerment of Persons with Disabilities.

Step 1 – Visit your nearest New India Assurance Company limited branch and ask them to furnish you with the scheme form.

Step 2 – Fill-up the form, submit it, and make your first premium payment.

Ensure that all required documents like your PwD certificate and Identification and address proof documents are with you while approaching the insurance officer.

Scheme eligibility

PwDs will need to fall under all of the below criteria in order to be eligible towards The Swavlamban Health Insurance Scheme:

People with disabilities between the age of 0 – 65 years of age
PwDs will need to have a government authorized disability certificate (PwD certificate)
The family income of the PwD should not exceed Rs.3 lakhs / year

You can visit your nearest New India Assurance branch to know more about this scheme.

Niramaya Health Insurance Scheme (Benefits, Coverage & Enrolment)

Awaz Health Insurance Scheme (Enrollment, Benefits and Features)

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Frequently asked questions

New India Assurance Company

2016

Yes, cashless hospitalization feature is available under this scheme.

Health Insurance

Niramaya Health Insurance Scheme (Benefits, Coverage & Enrolment)

Post author By parastar
Post date October 5, 2022

Niramaya Health Insurance Scheme (Enrolment, Benefits and Coverage)

The Niramaya Health Insurance Scheme is a health scheme floated by The Department of Empowerment of Persons with Disabilities (Divyangjan). Under this scheme, people having disabilities like autism, mental retardation, cerebral palsy, and certain other mental disorders can avail health insurance coverage up to Rs.1 Lakh.

We will talk about some of the most important aspects of The The Niramaya Health Insurance Scheme like:

Benefits of the scheme
Scheme coverage
How to enroll under the scheme?
Who is eligible for this scheme?

Benefits of the scheme

The Niramaya Health Insurance Scheme provides health insurance coverage to people with mental disabilities. The importance of this cannot be underestimated as private health insurance companies generally do not extend their services to people with mental disorders. Affordable and good quality healthcare is their right also.
The scheme provides a health insurance coverage of Rs.1 Lakh. Although at this time of rising medical inflation, a coverage of just 1 Lakh could be considered quite less, but some coverage is better than no coverage.
This is a nationwide scheme.
Eligible people do not need to undergo any medical check-up in order to enroll under this scheme.
This scheme provides pre and post hospitalization coverage.

Scheme coverage

The scheme covers the following:

Hospitalization that results in surgery
Non-surgical hospitalization
Out Patient Treatment (OPD)
Medical check-up
Dental treatment
Ambulance costs
Alternative medicine

You should also check the limits and sub-limits of coverage below:

niramaya scheme coverage limit — Coverage limits

How to enroll under the scheme?

1.) Visit the official Niramaya Health Insurance Scheme online page

niramaya health insurance scheme official website — Official Niramaya Website

Choose your preferred search engine and search for the official Niramaya Scheme website. The website should look like the above image. Once on the website, click on the “Download” button.

2.) Download the enrolment form

Once on the download page, click on “Download Enrolment Form.”

3.) Fill-up the form and submit it

Download the enrolment form, read it properly, find out what kind of documents and details are required, then fill-up the form.
Take a hard-copy of the filled-up form and submit to your nearest registered office of The National Trust.

4.) Get your application ID

Once your documents are vetted, The National Trust will issue you an application ID. If your application is approved, you can now download your Nirmaya E-card from the online portal.

5.) Click on “Download Niramaya E-card of the beneficiary”

To download your E-card, click on “Download Nirmaya E-card of the beneficiary.”

6.) Click on the “Nirmaya Card” tab

click on Niramaya Card tab — Niramaya Card Tab

7.) Enter your application number and download E-card

Enter your application number and click on “Download.” If your application is approved, your Nirmaya E-card will be downloaded on your system. You can then use your E-card as and when required.

Who is eligible for this scheme?

All Persons With Disabilities (PwDs) are eligible under the Niramaya Scheme. All they have to do is fill-up the application form and pay a registration fee.

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Farmers Accident Insurance Scheme in Maharashtra

PMJJBY: The 330 Rupees Insurance Scheme

PMSBY Scheme: The 12 Rupees Insurance Scheme

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Frequently asked questions

Rs.1 Lakh

Yes, both OPD as well as actual hospitalizations are covered under this scheme

Yes, medical check ups are covered under the scheme.

Niramaya means healthy and disease free.

Health Insurance

Awaz Health Insurance Scheme (Enrollment, Benefits and Features)

Post author By parastar
Post date October 4, 2022

Awaz Health Insurance Scheme (Enrollment, benefits and Features)

The Awaz Health Insurance Scheme was launched in 2017 by the State Government of Kerala. This scheme was introduced with the aim of providing medical coverage to migrant workers within the Indian State of Kerala. Kerala is a state that has a considerable migrant work-force that contributes towards moving the economic needle of the State. In fact, Kerala has over 31 Lakh migrants, that consist of over 25% of the total workforce of Kerala.

These migrant works, generally do not have a proper medical plan in place to safeguard their medical interests. The Awaz Health Insurance Scheme, introduced by the Kerala State Government, took this into consideration while launching this scheme. In fact, over 1 Lakh migrant workers in Ernakulam alone have enrolled under this scheme as of 2020.

The Awaz Scheme provides health coverage as well as accidental coverage to migrant workers. Let us go through the benefits and features of this scheme.

Benefits and Features of the Awaz Scheme

Migrant workers working in Kerala will be provided coverage of Rs 2 Lakhs in case of accidental death
Migrant workers will be covered up to Rs.15,000/- in case of injury or illness
The scheme is strictly for migrant workers and only migrant workers will be eligible to receive scheme benefits

Awaz Scheme Eligibility and Coverage

The following are eligible under this scheme:

A migrant worker working in the State of Kerala between the age of 18-60 years of age.
Migrant workers looking to enroll under this scheme will need to furnish their ID and address proof while applying under the scheme. They will also need to provide proof that they are working in the State of Kerala.
Further, they would need to get their iris and fingerprints scanned

How to enroll under this scheme?

Step 1 – Visit the official website

Go to your preferred search engine and search for the official Awaz Scheme website by the Government of Kerala. Go to the scheme website.

Step 2 – Click on “Downloads”

Awaz Scheme Downloads — Click on downloads

Once on the website, click on the “Downloads” button.

Step 3 – Download the application form

Step 4 – Fill-up the form and submit it to your nearest Awaz Facilitation Centre

Once you have filled-up the form and submitted the form with the proper details, submit it to your nearest Awaz Facilitation center. After scrutinizing your documents, the center will disburse your Awaz Insurance Card, which you can use at any network hospital affiliated under the scheme. The card will have all important details printed on it, including your name, DOB, nominee details, and more.

All migrant works in Kerala should make it a point to avail the benefits under this scheme. Visit your nearest Facilitation center in case of any queries.

National Agricultural Insurance Scheme: An Assurance to Farmers’ Risks

Farmers Accident Insurance Scheme in Maharashtra

PMJJBY: The 330 Rupees Insurance Scheme

PMSBY Scheme: The 12 Rupees Insurance Scheme

Experience the power of Artificial Intelligence (A.I)

Chat with our super-intelligent A.I model and ask it anything about insurance and related products.

Chat with A.I

Health Insurance

Does Health Insurance Cover Laser Hair Removal?

Post author By parastar
Post date September 28, 2022

Does Health Insurance Cover Laser Hair Removal?

No, your health insurance policy will not provide coverage against any type of laser hair removal treatments, be it hair removal on the face, torso, back, body, or head. There is no provision for insurance companies to provide coverage to policyholders for such treatments.

Why don’t health insurance companies cover laser hair removal?

The rationale behind this lack of coverage is rather straight-forward. Insurance companies do not consider laser hair removal treatment of any kind to be necessary or critical in nature. It does not come within the classification of necessary lifesaving or life prolonging medical procedures.

Insurance companies also do not provide coverage for laser hair treatment because if they start providing coverage for it, many policyholders will opt for such treatments. Doing so will tremendously increase the expenses of the insurance company to the tune of hundreds of crores in claim payments.

This increase in the expenses of insurance companies will have a trickle down impact on all of the policyholders of that particular insurance company. Since the insurance company will need to service this influx of new claims (related to laser hair removal.), the insurance company will be forced to increase the rate of premium of both existing as well as new policyholders.

This will lead to a chain-reaction where the premium rate of all policyholders across all insurance companies in the country will increase. It would not be a favorable situation towards the insurance companies as well as the policyholders.

Further, it would lead to less insurance adoption, thereby decreasing the total penetration of insurance in India, which would lead to more people being left out of the safe umbrella of health insurance.

These are some of the pertinent reasons why health insurance companies do not extend insurance coverage to laser hair removal procedures. Along with laser hair removal, insurance companies also do not provide coverage to related procedures like hair transplant surgeries.

What is no claim bonus in health insurance?

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Health Insurance

Does health insurance cover for hair transplant?

Post author By parastar
Post date September 27, 2022

Does Health Insurance Cover for Hair Transplant?

A prospective health insurance policy buyer with a receding hairline may have this question. And it is quite a natural question to have. Well, let us get to the meat and bones and give you the answer to your question. No. Your health insurance plan will not cover for a hair transplant treatment.

The reason behind this is rather straight-forward. A hair transplant is not considered as a necessary medical procedure. A hair transplant comes under the category of cosmetic surgery and is out of the scope of coverage.

A hair transplant procedure is classified into the category of non-necessary cosmetic surgery like:

Botox implants
Body fillers
Rhinoplasty
Body-shaping and sculpting surgery
Skin whitening surgery (face as well as full body)
Sex organ change surgery
Dental treatments (non-necessary cosmetic treatment)
Buccal fat removal
Face lift surgery
Breast implants

As you can see, the classification of hair transplant procedures into this category of non-essential medical treatments is enough for health insurance companies to raise their hands and flat out decline any coverage to the policyholder for hair transplant treatment.

Male as well as female alopecia is a condition that causes great mental and emotional turmoil in the life of a person and such situations should be handled with care and compassion.Understanding and compassion is quite important during this stage.

Perhaps in the future, insurance companies will realize the distress that people go through due to alopecia and may consider classifying it as a disorder that is deserving of health care coverage.

This may increase the price of premiums as many policyholders will make claims for alopecia. However, that is a discussion for another time.

What is no claim bonus in health insurance?

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Health Insurance

Health Insurance Vs Accident Insurance (Know the Difference)

Post author By parastar
Post date September 27, 2022

Health Insurance Vs Accident Insurance (Know the Difference)

The difference between health insurance and accident insurance is rather straight forward. A health insurance policy will ensure that the policyholder is covered and protected in the event of a hospitalization. This hospitalization may be caused due to a variety of reasons like critical illness, non-critical illness, accidents, etc. The health insurance company is obligated to provide coverage in such cases.

An Accident insurance policy will only kick-in if the policyholder has met with an accident and requires medical treatment for the same. The accident insurance policy will not provide coverage if the policyholder is hospitalized for any other reason apart from an accident.

Examples of health insurance and accident insurance

Let us understand this with the help of three simple examples.

Example 1: Let us assume that Mrs. Jyoti bought an accident insurance policy for herself. A few months after this, she was diagnosed with diabetes and required treatment for the same. In this case, the insurance company will not initiate a claim as the diabetes didn’t occur due to an accident.

Example 2: Similarly, let us assume that Mrs. Navika bought a comprehensive health insurance plan with accidental insurance coverage. A few months later, she met with an accident and had to be hospitalized. Since she bought a comprehensive health insurance plan, the insurance company is obligated to protect her by disbursing her claim amount.

Example 3: Lastly, let us assume that Mrs. Nayonica bought an accident insurance policy and later met with an accident. In this case, the insurance company will issue the claim amount and protect the interest of the policyholder as she is covered against unforeseen accidents.

Difference between health insurance and accident insurance

Let us now understand some of the notable differences between health insurance and accident insurance.

	Health Insurance	Accident Insurance
Coverage	Will provide coverage during general illness as well as accidental hospitalizations. However, the policyholder must ensure that an accidental insurance clause is mentioned in the policy bond. Generally, most comprehensive health insurance policies have an accident component within it.	An accidental insurance policy will only cover hospitalizations that have occurred due to accidents.
Waiting period	A health insurance plan generally has a waiting period component within it. For instance, some health insurance plans will only start coverage towards critical illnesses after a month of waiting period.	Generally, there is no waiting period in an accident insurance policy.
Add-ons or riders	Yes, you can buy add-ons or riders along with a health insurance plan	Yes, you can also buy add-ons or riders along with an accident insurance plan
Maternity benefits	Yes, health insurance plans may cover maternity, if the policy bond mentions it.	No, accident insurance does not have the scope to cover maternity benefits.
Tax benefits	Yes, under Section 80D of I.T Act	No.

Ideally, a person should be covered against general illnesses, critical illnesses, as well as accidents. All three bases should be covered, only then a policyholder is truly protected.

What is no claim bonus in health insurance?

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Frequently asked questions

Generally, yes, a comprehensive health insurance policy will have an accident component within it. If it does not, then the policyholder should buy an accidental rider and cover himself against accidents.

Yes, both types of policies are widely available and easily accessible.

Most insurance companies that provide a general health insurance plan also provide accident insurance policies.