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The Advantages of Public Health Insurance

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Health insurance is an essential aspect of an individual’s life. It saves the hassle of arranging money at the last minute to take care of their medical expenditures. You can buy medical insurance from public and private companies, but there are certain advantages that health insurance offers that are better than its counterpart. Let’s read and learn everything about what is health insurance and what its benefits are.

What is Public Health Insurance?

Public health insurance is the government’s insurance plan, such as  Pradhan Mantri Jan Arogya Yojana (PM-JAY). PM-JAY is one of the largest health insurance schemes fully financed by the government of India. This scheme is a part of Ayushman Bharat that takes care of the health and wellness of the people nationwide. 

Almost 10.74 crore people in India have access to PM-JAY’s five lakhs per family health coverage for secondary and tertiary care hospitalisation.

What are the Key Features of Public Health Insurance?

Before you move to find the best health insurance company in India, here are some of the key features of using public health insurance:

  • The government fully finances health insurance.
  • It offers covers across public and private hospitals empanelled in India.
  • People of all castes and religions are eligible for these insurances.
  • Public health insurance also offers cashless access to services.
  • It covers pre and post-hospitalisation expenses such as diagnostics and medicines.
  • It protects all pre-existing illnesses from the first day of the insurance.
  • Insured people can access any hospital nationwide, thus not limited to their state or city.

What are the Things Covered in Public Health Insurance?

The following are some benefits offered by the best health insurance company in India:

  • Medical examination
  • Doctor consultation
  • Treatment
  • Pre-hospitalisation expenses
  • Medicines and prescribed drugs
  • Non-intensive and intensive care
  • Lab and diagnostic investigations
  • Medical implantation
  • Room and accommodation charge
  • Food for the patient
  • Complications arising during the treatment/procedure/surgery
  • Post-hospitalisation follow-up charges (limited to certain days)

What are the Advantages of Public Health Insurance?

With the increase in treatment expenses, buying the best health insurance plan for yourself and your loved ones has become necessary. Here are some of the advantages of dealing with health insurance:

Cashless Hospitalisation

Public medical insurance offers cashless hospitalisation to several private and public hospitals empanelled in the hospital network of India. Going to a cashless hospital would mean not paying anything off your pocket.

Financial Protection

Since the government fully pays for public medical insurance, people will have the least financial burden of paying the premiums or regular instalments to continue the insurance policy.

Access to Specialised Care

Public medical insurance plans often provides access to specialised care that may not be available through private health insurance plans. This feature can significantly benefit individuals needing specialised care with chronic or rare illnesses.  

Universal Coverage

Public medical insurance plans are often available to everyone, regardless of age, income, or health status. This coverage helps to ensure that everyone has access to primary medical care, which is especially important in times of public health.

Peace of Mind

If you know that you have a backup to meet your unexpected medical needs in the form of insurance, you will never worry and will lead a happy and satisfied life. You would also not worry about saving for medical bills and can use that money to fulfil your other dreams.

Affordable Medical Treatments

Most people shy away from approaching a doctor not because they fear a disease but because of its cost. However, if they know that their health insurance will cover the ailments, they will try to get the best medical treatment.


Post-COVID-19, people have acknowledged the need for health insurance plans more than ever. Now, people have begun comparing the different available options before finalising any. So remember to check out the best health insurance company in India before buying one for yourself and your loved ones.


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