Insurance
Government insurance schemes, and cover for your family
India offers low-cost life, accident, health and crop insurance through government schemes. Find the ones you qualify for below — and add health cover for your family through Bachatt.
Bachatt Health Insurance
- Policy from Care Health Insurance
- Cover for your whole family
- Cashless at network hospitals
- Policy, documents & claims in the app
Insurance is the subject matter of solicitation. Policies are issued by Care Health Insurance Ltd; read the policy wording before buying.
Government insurance schemes
Official schemes from the Government of India. Tap a scheme for eligibility, benefits and how to apply.
Ayushman Bharat – PM Jan Arogya Yojana (PM-JAY)
Eligible low-income families
Free hospital cover of up to ₹5 lakh per family per year for secondary and tertiary care at empanelled hospitals, cashless and paperless.
Eligibility, benefits & how to applyAyushman Vay Vandana
Senior citizens 70+
Extends Ayushman Bharat health cover to every senior citizen aged 70 and above, regardless of income.
Eligibility, benefits & how to applyPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
Ages 18–50 with a bank account
One-year renewable life cover of ₹2 lakh for a premium of ₹436 a year, auto-debited from your bank account.
Eligibility, benefits & how to applyPradhan Mantri Suraksha Bima Yojana (PMSBY)
Ages 18–70 with a bank account
Accidental death and disability cover of up to ₹2 lakh for a premium of ₹20 a year.
Eligibility, benefits & how to applyPradhan Mantri Fasal Bima Yojana (PMFBY)
Farmers
Crop insurance against losses from natural calamities, pests and diseases, at a low farmer premium.
Eligibility, benefits & how to applyEmployees’ State Insurance (ESI)
Employees in covered establishments
Medical care for you and your family, plus cash benefits for sickness, maternity and employment injury, run by ESIC.
Eligibility, benefits & how to applyScheme limits and eligibility change from time to time. Always check the official portal before you apply.
Frequently asked questions
Am I eligible for Ayushman Bharat PM-JAY?+
PM-JAY covers families identified as eligible under government criteria, and every senior citizen aged 70+ through Ayushman Vay Vandana. Check your eligibility on the official beneficiary portal.
How do I enrol in PMJJBY or PMSBY?+
Both schemes are offered through your bank or post office. You can enrol through net banking, your bank branch or the Jan Suraksha portal; the premium is auto-debited every year.
Do I still need health insurance if I have a government scheme?+
Government cover has eligibility limits and covers listed treatments at empanelled hospitals. A private health insurance policy can add wider hospital choice and a higher sum insured for your family.
What health insurance does Bachatt offer?+
Through the Bachatt app you can buy a health insurance policy from Care Health Insurance for yourself and your family, and manage your policy, documents and claims in one place.
Bachatt is not affiliated with the government schemes listed on this page; scheme names belong to the Government of India and its agencies. Insurance is the subject matter of solicitation. Health insurance on Bachatt is issued by Care Health Insurance Ltd, subject to its terms, conditions and exclusions.