Insurance in India covers both public and private sector organisations. It is listed in the Seventh Schedule of India's Constitution as a Union List subject, meaning it can only be legislated by the Central government.
India has a robust social security legislative framework governing social security, encompassing multiple labour laws and regulations. These laws govern various aspects of social security, particularly focusing on the welfare of the workforce. The primary objective of these measures is to foster sound industrial relations, cultivate a high-quality work environment, ensure legislative compliance, and mitigate risks such as accidents and health concerns. Moreover, social security initiatives aim to safeguard against social risks such as retirement, maternity, healthcare and unemployment while tax-funded social assistance aims to reduce inequalities and poverty. The Directive Principles of State Policy, enshrined in Part IV of the Indian Constitution reflects that India is a welfare state. Food security to all Indians are guaranteed under the National Food Security Act, 2013 where the government provides highly subsidised food grains or a food security allowance to economically vulnerable people. The system has since been universalised with the passing of The Code on Social Security, 2020. These cover most of the Indian population with social protection in various situations in their lives.
Cholamandalam MS General Insurance Company Ltd is an Indian insurance firm and a joint venture between the Murugappa Group, an Indian conglomerate, and the Mitsui Sumitomo Insurance Group, a Japanese insurance company.
Employees' State Insurance Corporation is one of the two main statutory social security bodies under the administrative control of Ministry of Labour and Employment, Government of India, the other being the Employees' Provident Fund Organisation. The fund is managed by the Employees' State Insurance Corporation (ESIC) according to rules and regulations stipulated in the ESI Act 1948.
Pradhan Mantri Gramin Aawas Yojana is a social welfare programme under the Ministry of Rural Development, Government of India, to provide housing for the rural poor in India. A similar scheme for urban poor was launched in 2015 as Housing for All by 2022. Indira Awas Yojana was launched in 1985 by Rajiv Gandhi, the Prime Minister of India, as one of the major flagship programs of the Ministry of Rural Development to construct houses for the Below Poverty Line population in the villages.
Healthcare in West Bengal features a universal health care system run by the state and the federal governments. The Constitution of India charges every state with "raising of the level of nutrition and the standard of living of its people and the improvement of public health as among its primary duties". Ministry of Health & Family Welfare of the Government of West Bengal is responsible for administering and funding the public hospital system in the state. The entire state population is covered by a health insurance, either provided by their employer or the Employees’ State Insurance. Other categories of people are covered under the state’s public health insurance scheme. As of 2021, the total public healthcare budget of the state is ₹16,368 crore (US$2.0 billion), out of which ₹10,922 crore (US$1.3 billion) was earmarked for public hospitals, ₹2,000 crore (US$240 million) was to be spent on the public health insurance program and ₹5,246 crore (US$630 million) is to be spent on primary health services. An additional ₹1,000 crore (US$120 million), outside the official health budget, was to be spent on health insurance coverage for the current and retired employees of the state government. Healthcare forms roughly 4.5% of the state's entire budget which critics say should be increased to at least 8% in line with the National Health Policy.
Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme in India. It was originally mentioned in the 2015 Budget speech by Finance Minister Late Arun Jaitley in February 2015. It was formally launched by the Prime Minister Narendra Modi on 8 May in Kolkata.
Pradhan Mantri Jeevan Jyoti Bima Yojana is a Government-backed Life insurance scheme in India. It was originally mentioned in the year 2015 Budget speech by the then-Finance Minister, late Arun Jaitley in February 2015. It was formally launched by Prime Minister Narendra Modi on 9 May in Kolkata. As of May 2015, only 20% of India's population has any kind of insurance, this scheme aims to increase the number.
Atal Pension Yojana, formerly known as Swavalamban Yojana is a government-backed pension scheme in India, primarily targeted at the unorganised sector. It was mentioned in the year 2015 Budget speech by the Finance Minister Arun Jaitley. It was launched by Prime Minister Narendra Modi on 9 May 2015 in Kolkata. Its main objective is to help towards economic security of those people who become depressed after their working age and take retirement from professional life.
Pradhan Mantri Awas Yojana (PMAY) is a credit-linked subsidy scheme by the Government of India to facilitate access to affordable housing for the low and moderate-income residents of the country. It envisaged a target of building 2 crore (20 million) affordable houses by 31 March 2022. It has two components: Pradhan Mantri Awas Yojana(Urban) (PMAY-U) for the urban poor and Pradhan Mantri Awaas Yojana (Gramin) (PMAY-G and also PMAY-R) for the rural poor, the former administered by Ministry of Housing and Urban Affairs and the latter by Ministry of Rural Development. This scheme converges with other schemes to ensure that houses have a toilet, Saubhagya Scheme for universal electricity connection, Ujjwala Yojana LPG connection, access to drinking water and Jan Dhan banking facilities, etc.
Pradhan Mantri Krishi Sinchai Yojana is a national mission to improve farm productivity and ensure better utilization of the resources in the country. The budget of ₹53 billion (US$640 million) in a time span of one year 2015-2016 has been allocated to this scheme. The decision was taken on 1 July 2015 at the meeting of Cabinet Committee on Economic Affairs, approved with an outlay of 50000 crore for period of 5 years.
Mahatma Jyotiba Phule Jan Arogya Yojana, previously Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY), is a Universal health care scheme run by the Government of Maharashtra for the poor people of the state of Maharashtra who holds one of the 4 cards issued by the government; Antyodaya card, Annapurna card, yellow ration card or orange ration card. The scheme was first launched in 8 districts of the Maharashtra state in July 2012 and then across all 35 districts of the state in November 2015. It provides free access to medical care in government empanelled 488 hospitals for 971 types of diseases, surgeries and therapies costing up to Rs.1,50,000 per year per family. As of 17 January 2016, around 11.81 lakh procedures amounting to Rs.1827 crore have been performed on patients from 7.13 lakh beneficiary families which includes over 7.27 lakh surgeries and therapies. The scheme is called successful amid some allegations of hospitals directly or indirectly causing patients to incur out-of-pockets expenses on some part of the treatment.
The Pradhan Mantri fasal bima yojana (PMFBY) launched on 18 February 2016 by Prime Minister Narendra Modi is an insurance service for farmers for their yields. It was formulated in line with One Nation–One Scheme theme by replacing earlier two schemes Agricultural insurance in India#National Agriculture Insurance Scheme and Modified National Agricultural Insurance Scheme by incorporating their best features and removing their inherent drawbacks (shortcomings). It aims to reduce the premium burden on farmers and ensure early settlement of crop assurance claim for the full insured sum.
Pradhan Mantri Ujjwala Yojana was launched by Prime Minister of India Narendra Modi on 1 May 2016 to distribute 50 million LPG connections to women of Below Poverty Line (BPL) families. A budgetary allocation of ₹80 billion (US$960 million) was made for the scheme. The scheme was replaced by the Ujjwala Yojana 2.0 in 2021. Although the scheme has expanded access to clean cooking technologies, the use of polluting fuels remains common, particularly in rural India.
Shrimad Rajchandra Hospital is a charitable, multi-bed hospital located in the city of Dharampur in the Valsad district of Gujarat, India. The hospital currently operates under the administration of Shrimad Rajchandra Love and Care, a non-governmental organisation (NGO) which runs the hospital and other charitable activities. Established in 2003, it provides medical care at nominal rates or completely free of cost. Hospital records show that over 125,000 patients were treated in 2016, and over 1 million patients have been treated since the inception of the hospital in 2004.
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana is a national public health insurance scheme of the Government of India that aims to provide free access to health insurance coverage for low income earners in the country. Roughly, the bottom 50% of the country qualifies for this scheme. People using the program access their own primary care services from a family doctor and when anyone needs additional care, PM-JAY provides free secondary health care for those needing specialist treatment and tertiary health care for those requiring hospitalization.
The Third Ashok Gehlot ministry is the state cabinet of the Indian state of Rajasthan in the 15th Rajasthan Legislative Assembly headed by Chief Minister Ashok Gehlot.
Biju Swasthya Kalyan Yojana is a universal health coverage scheme launched by Chief Minister of Odisha, Naveen Patnaik. The program extends coverage to approximately 70 lakh families, with the state government allocating a budget of 250 crore rupees. Services:
- Free health services are available in all state government health care facilities, starting from the subcenter level up to the district headquarter hospital level, with Swasthya Mitras deployed at help desk.
- Annual health coverage of Rs 5 lakhs per family and 7 lakhs per female members of the family.
The Department of Agriculture and Farmers' Welfare (DA&FW) is one of the three constituent department of Ministry of Agriculture and Farmers' Welfare, the other two being Department of Agriculture Research and Education (DARE) and Department of Animal Husbandry and Dairying. The Department is headed by Minister of Agriculture and Farmers' Welfare.
