top 5 govt health insurance companies in india


Updated on:

In a country as vast as India, having a reliable health insurance plan is crucial. With rising medical costs and the uncertainty of illnesses and accidents, it is essential to have financial protection that can cover your medical expenses. Government health insurance companies in India play a significant role in providing affordable and comprehensive health insurance coverage to citizens. In this article, we will explore the top 5 government health insurance companies in India that offer excellent insurance plans to safeguard your health.


Read More – Which Medical Health Insurance is Best in India?

Table of Contents

  1. Introduction
  2. National Health Insurance Scheme (NHIS)
  3. Central Government Health Scheme (CGHS)
  4. Rashtriya Swasthya Bima Yojana (RSBY)
  5. Employee State Insurance Scheme (ESIS)
  6. Aam Aadmi Bima Yojana (AABY)
  7. Conclusion
  8. FAQs


Health insurance has become an integral part of financial planning for individuals and families. Government health insurance companies provide coverage that is affordable and accessible to people from all walks of life. These companies offer a wide range of health insurance policies tailored to meet the diverse needs of the population.

National Health Insurance Scheme (NHIS)

The National Health Insurance Scheme (NHIS) is a government-run health insurance program that aims to provide affordable and quality healthcare services to all citizens of India. It offers a comprehensive coverage package, including hospitalization expenses, pre and post-hospitalization costs, and day care procedures. The NHIS has tie-ups with numerous hospitals and healthcare providers across the country, ensuring easy access to medical services.

Central Government Health Scheme (CGHS)

The Central Government Health Scheme (CGHS) is specifically designed for central government employees and their dependents. It provides comprehensive health coverage, including outpatient and inpatient treatment, diagnostic tests, medicines, and consultations. CGHS ensures that beneficiaries have access to quality healthcare services through its empaneled hospitals, dispensaries, and diagnostic centers.

Rashtriya Swasthya Bima Yojana (RSBY)

The Rashtriya Swasthya Bima Yojana (RSBY) is a government health insurance scheme aimed at providing health coverage to families below the poverty line. It offers cashless hospitalization benefits to eligible individuals, covering hospital expenses, pre-existing conditions, and transportation costs. RSBY has been instrumental in improving the accessibility and affordability of healthcare for the economically weaker sections of society.

Employee State Insurance Scheme (ESIS)

The Employee State Insurance Scheme (ESIS) is a social security and health insurance program managed by the Employees’ State Insurance Corporation (ESIC). It provides comprehensive medical coverage to employees working in factories and establishments covered under the scheme. ESIS covers various medical expenses, including hospitalization, maternity benefits, and disability benefits, ensuring the well-being of insured employees and their families.

Aam Aadmi Bima Yojana (AABY)

The Aam Aadmi Bima Yojana (AABY) is a government-sponsored health insurance scheme targeted at rural landless households. It aims to provide social security and financial protection to the economically vulnerable sections of society. Under AABY, policyholders are entitled to benefits such as life insurance coverage, disability benefits, and partial reimbursement of hospitalization expenses.


Government health insurance companies in India play a vital role in ensuring that citizens have access to affordable and quality healthcare services. The top 5 government health insurance companies mentioned above offer comprehensive coverage, cater to different segments of the population, and have tie-ups with a wide network of hospitals and healthcare providers. It is crucial to assess your healthcare needs and choose the insurance plan that best suits you and your family’s requirements.


1. Are government health insurance companies only for government employees? No, government health insurance companies offer coverage to both government employees and the general public. There are specific schemes designed for government employees, but most government health insurance companies provide plans for everyone.

2. Can I avail of cashless hospitalization benefits under these government health insurance schemes? Yes, most government health insurance schemes offer cashless hospitalization benefits. You can receive medical treatment at empaneled hospitals without paying upfront, as the insurance company settles the bills directly with the hospital.

3. Are pre-existing conditions covered under government health insurance plans? Yes, pre-existing conditions are usually covered under government health insurance plans. However, there may be certain waiting periods before the coverage for pre-existing conditions begins.

4. How can I apply for government health insurance coverage? You can apply for government health insurance coverage by visiting the official websites of the respective insurance companies or contacting their customer service helpline for guidance on the application process.

5. Can I switch from a private health insurance plan to a government health insurance plan? Yes, you can switch from a private health insurance plan to a government health insurance plan. However, it is essential to consider the terms and conditions of both plans and ensure a smooth transition without any gaps in coverage.

In conclusion, government health insurance companies in India provide valuable healthcare coverage to citizens, offering financial protection against medical expenses. The top 5 government health insurance companies mentioned in this article – the National Health Insurance Scheme (NHIS), Central Government Health Scheme (CGHS), Rashtriya Swasthya Bima Yojana (RSBY), Employee State Insurance Scheme (ESIS), and Aam Aadmi Bima Yojana (AABY) – are excellent options for individuals and families looking for reliable and affordable health insurance. Choose the plan that suits your needs and secure your health with the support of these government insurance schemes.