Skip to content

Government health schemes and cashless insurance

Guides to the government schemes and insurance that pay for treatment in India, written from the official scheme rules, with links to each scheme’s own site.

Schemes and insurance
Ayushman Bharat PM-JAY explained: who qualifies, the 70+ cover and how to complain
Up to ₹5 lakh a year
Updated 2 Nov 2026
Schemes and insurance
CGHS explained: who it covers, referrals, empanelled hospitals and the 2026 changes
Referrals last 3 months
Updated 2 Nov 2026
Original data
CGHS vs PM-JAY package rates: what each scheme pays hospitals for the same procedure
CGHS is a median 1.27x PM-JAY, across 62
Updated 2 Nov 2026
Schemes and insurance
How a cashless health insurance claim works in India: steps, IRDAI time limits and rejections
Pre-authorisation decided within 1 hour
Updated 2 Nov 2026

Official scheme sites

Ayushman Bharat PM-JAY National Health Authority
Central Government Health Scheme (CGHS) Ministry of Health and Family Welfare
Ex-Servicemen Contributory Health Scheme (ECHS)
Employees’ State Insurance Corporation (ESIC)
IRDAI the insurance regulator, for cashless claim rules and complaints