Government policies for the Insurance Industry in India.

The Rashtriya Swasthya Bima Yojana (RSBY) provides financial protection to unorganized sector workers, poor families, and below-poverty-line households, offering coverage of up to ₹30,000 per family annually for hospitalization expenses.

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) offers up to ₹5 lakhs in health coverage per family annually for secondary and tertiary care hospital treatment, focusing on serious illnesses like cancer, heart disease, and kidney failure.

The Pradhan Mantri Suraksha Bima Yojana (PMSBY) provides annual life insurance coverage of up to ₹2 lakhs for individuals aged 18-70 years, offering financial protection in case of death or disability due to accidents.

The Universal Health Insurance Scheme (UHIS) targets families below the poverty line, covering medical expenses for every family member and providing a cover in case of death due to an accident.

The Central Government Health Scheme (CGHS) offers health coverage to government employees and their dependents, including hospitalization expenses, medicines, medical tests, and diagnostic tests.

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