Health Insurance Schemes — Prelims Strategy

Prelims Strategy

For Prelims, focus on factual accuracy and key distinguishing features of different health insurance schemes. Create quick fact sheets for each major scheme (PMJAY, ESIC, CGHS, prominent state schemes) covering:

1
Launch Year & Ministry: — (e.g., PMJAY - 2018, MoHFW; ESIC - 1948, MoL&E).
2
Target Beneficiaries: — (e.g., PMJAY - SECC 2011 data; ESIC - organized sector workers).
3
Coverage Amount & Type: — (e.g., PMJAY - Rs. 5 lakh, secondary/tertiary; ESIC - comprehensive).
4
Funding Pattern: — (e.g., PMJAY - Centrally sponsored, 60:40; ESIC - employer/employee contributions).
5
Key Features: — (e.g., PMJAY - national portability, cashless; ESIC - cash benefits).
6
Regulatory Body: — (e.g., IRDAI for private, NHA for PMJAY).

Also, be aware of constitutional articles (21, 47) and landmark judgments related to the right to health. Pay attention to current affairs updates, especially Budget allocations, new digital initiatives like ABDM, and any changes in scheme parameters. Practice MCQs that test comparative knowledge and application of concepts like OOPE and catastrophic expenditure. Use mnemonics for quick recall of features and differences.