8 Years Of Ayushman Bharat: Benefits, Eligibility & How To Claim | Insurance Guide | Money Today

Are government health insurance schemes enough to cover rising medical costs? On Money Today’s Insurance Masterclass, Dr. S. Prakash, CEO – Health Insurance, Ecosystem & Strategic Partnerships, General Insurance Council of India decodes Ayushman Bharat, CGHS and other government health schemes, and what they actually cover. The discussion looks at the ₹5 lakh Ayushman Bharat cover for citizens aged 70 and above, hospitalisation rules, treatment packages, exclusions and potential out-of-pocket expenses. Dr. S. Prakash, CEO – Health Insurance, Ecosystem & Strategic Partnerships, General Insurance Council of India, explains when beneficiaries may need additional private or top-up health insurance. Business Today’s Neetu Chandra Sharma also breaks down what families should check before hospitalisation and how pre-existing diseases, waiting periods, policy terms and the five-year moratorium can affect health insurance claims.