Health Insurance schemes
Central Government of India has its own health insurance scheme since 1954, and is called as Central Government Health Scheme (CGHS). It aims at providing comprehensive medical insurance coverage for Central Government employees. Some of the benefits offered are outpatient facilities, and preventive and promotive care in dispensaries. This scheme is mainly funded through Central Government funds with premiums ranging from Rs 15 to Rs 150 per month based on the salary scales.The year 1999 marked a new beginning for the health insurance in India. With the passing of Insurance Regulatory Development Authority Bill (IRDA), the doors were thrown open to the private players. Some of them are Bajaj Allianz, ICICI Lombard, Royal Sundaram Group and Cholamandalam General Insurance. Added to these private players, there are insurance schemes offered by NGOs which are also called community-based health insurance. Community-based health insurance schemes are generally targeted at the poorer population who live in community. Making profit is not their intention but to provide access to the health insurance services.