Local Government Health Insurance Board

Aam Aadmi Bima Yojana:

The Aam Aadmi Bima Yojana is meant for people involved in certain vocations such as Carpentry, Fishing, Handloom weaving, etc. There are 48 such defined vocations. Before 2013, there were two policies of similar nature, AABY and Janashree Bima Yojana . After 2013, JBY was merged with AABY.

The premium for Rs.30000 insurance policy is Rs. 200 for a year. The eligibility criteria for this policy is that one should be a family head or an earning member of ones family and should be performing one of the 48 mentioned vocations.

Mahatma Jyotiba Phule Jan Arogya Yojana:

This policy is initiated by the Government of Maharashtra for the betterment of its downtrodden people. Rajiv Gandhi Jeevandayee Arogya Yojana was renamed as Mahatma Jyotiba Phule Jan Arogya Yojana in the year 2017.

Farmers from select districts and people below and around the poverty line across all districts are eligible for this scheme. It is a family cover with a benefit of Rs. 150000. The diseases mentioned as inclusions in the scheme shall be covered from day one, without any waiting period unless specified.

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Why Was Lgit Created

The private insurance market runs in hard and soft cycles. During a soft cycle, insurance is relatively cheap and easy to acquire. During a hard cycle, insurance is very expensive and hard to obtain because insurance companies tend to view local government losses as risks that are undesirable or unpredictable. In the hard cycle of the late 1980s, a majority of Maryland towns, cities and counties suffered from the high cost of insurance premiums and loss of insurance coverage. Because of the existence of LGIT, Maryland local governments know they now have coverage available to them at stable rates and predictable costs – regardless of private insurance industry cycles.

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How Safe & Secure Is Lgit

To ensure that LGIT is able to meet its responsibility to pay claims, LGITs Board of Trustees has always ensured that the Trust is strong and financially sound. To achieve this goal, LGIT takes a conservative approach to rates and reserves, spreads risk via reinsurance with the strongest re-insurers and conducts regular actuarial reviews to make sure the Trust is on solid ground.

Frequently Asked Questions Regarding Local Government Health Insurance Board

Where are Local Government Health Insurance Boards headquarters?

Local Government Health Insurance Boards headquarters are in 201 S Union St, Ste 200, Montgomery, Alabama, 36104, United States

What is Local Government Health Insurance Boards phone number?

Local Government Health Insurance Boards phone number is 263-8326

What is Local Government Health Insurance Boards official website?

Local Government Health Insurance Boards official website is //www.lghip.org

What is Local Government Health Insurance Boards SIC code?

Local Government Health Insurance Boards SIC: 63,632

What is Local Government Health Insurance Boards NAICS code?

Local Government Health Insurance Boards NAICS: 5241,524114

How many employees are working in Local Government Health Insurance Board?

Local Government Health Insurance Board has 25 employees

What is Local Government Health Insurance Boards industry?

Local Government Health Insurance Board is in the industry of: Insurance

What is Local Government Health Insurance Board’s tech stack?

The technologies that are used by Local Government Health Insurance Board are: Google Global Site Tag, Office 365, Microsoft IIS, Google Font API

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Universal Health Insurance Scheme:

Globally, a lot of developed and developing nations have some sort of health care schemes for the benefit of their poor people. In India, the Universal Health Insurance Scheme aspires to do that and much more. This scheme can be availed by the poorest of the poor in the age group of 5 to 70 years.

Universal Health Insurance Scheme offers individual as well as group health insurance. It covers hospitalization, accident, and disability. The premium varies as per the size of the family. Those falling under the poverty line need to show proper documentation to avail the policy.

Chief Ministers Comprehensive Insurance Scheme:

This is a state government scheme. It is promoted by Tamil Nadu Government in association with United India Insurance Company Ltd. The Chief Ministers Comprehensive Insurance Scheme is a family floater plan designed for quality health care.

One can claim for hospitalization expenses up to Rs. 5 lakhs under this policy. Select government and private hospitals are a part of this scheme. People residing in Tamil Nadu earning less than Rs. 75000 annually are eligible for this scheme. More than a thousand procedures are covered under the Chief Ministers Comprehensive Insurance Scheme.

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Employees State Insurance Scheme:

A huge number of people worked in factories post-independence in India. The working conditions were such that there were injuries and deaths as well. This is where the concept of insurance proved beneficial. Employees State Insurance Scheme was launched in the year 1952 to offer a financial cover in case of illness, disability or death faced by insured workers/employees.

Initially, only Kanpur and Delhi were considered, but the scope of the scheme expanded with time. This policy got an upgrade in the year 2015. Now, more than 7 lakh factories are a part of this scheme.

Types Of Government Health Insurance Schemes In India

Team AckoJul 22, 2021

Governments all over the world work towards providing good quality healthcare for their people. Creating awareness about health issues, ensuring strong infrastructure, and promoting health insurance are productive activities conducted by the authorities for peoples welfare. The Indian Government also undertakes such measures from time-to-time. Read ahead to know more about Government health insurance schemes in India.

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Rashtriya Swasthya Bima Yojana:

This scheme is directed towards people working in the unorganized sector. Often, they are not covered under any insurance policy. And in such a scenario, if they fall ill which happens frequently their savings get exhausted. Thus, they are never able to ensure they have savings in the bank. This is where health insurance can prove helpful to them.

Rashtriya Swasthya Bima Yojana is initiated by the Indian Governments Ministry of Labour and Employment. Individuals workers in the unorganized sector and below the poverty line are covered under this scheme. The cover also extends to their family .

Working Together With Wa Local Government

LGIS is entirely owned and controlled by its members and is focused on ensuring the long term protection of your local government through an industry based self-insurance Scheme. The Scheme incorporates protection for property, civil liability exposures, volunteer fire fighters and workers compensation and is a superior alternative to what is made available by the traditional insurance market.

Providing you with greater security and certainty you benefit from the strength and commitment of working together to finance and manage your risk through a shared vision and alignment of outlook, interest and loyalty.

Risk management underpins the success of your Scheme, good governance of your own organisation as well as ensuring a safer workplace and community. A comprehensive risk management support program tailored to your individual needs is provided as a complimentary benefit of your membership.

We listen to you and deliver solutions through a local team of specialists who know risk management, risk financing and Western Australian Local Government in equal measure.

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Cigna Smart Support Program

The Cigna Smart Support® program provides specialized customer service for public sector employers and their employees.

Our dedicated multi-disciplinary team is behind you every step of the way. We are committed to helping solve your organizations specific health benefits challenges to help you achieve your goals.

Awaz Health Insurance Scheme:

This is a health insurance cover for migrant workers and is initiated by the Government of Kerala. It also offers insurance for death by accident for labourers. The scheme was launched in the year 2017 and targeted 5 lakh inter-state migrant labourers working in Kerala. The health insurance coverage offered under Awaz Health Insurance is Rs.15000, while the cover for death is Rs.2 lakh.

This policy can be obtained by labourers falling in the age group of 18 to 60. They shall be provided with an Awaz Health Insurance card, post submitting and processing of enrolment details pertaining to biometric information and other work-related documents.

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The Impact Of Health Insurance Reform On State And Local Governments

OVERVIEW

Health insurance reform as currently proposed in both the House Tri-Committee and in the Senate HELP Committee would ensure that virtually all Americans receive health insurance. As part of the proposed increases in health insurance coverage, the House Tri-Committee legislation calls for an expansion in Medicaid to all individuals under 133 percent of the federal poverty line . 1 Understandably, there has been some concern in state capitals surrounding this proposal given the possible increase in state Medicaid expenditures that could result.

However, state and local governments are already spending billions of dollars each year providing coverage to the uninsured costs that could be significantly reduced as a result of the currently proposed reforms. Additionally, state and local governments employ more than 19 million individuals, and their total spending on health insurance premiums for this group in 2007 was approximately $95 billion. 2 This group currently pays a “hidden tax” in the form of higher health insurance premiums that helps to cover expenses incurred by the uninsured. This burden would be greatly reduced as a result of expansions in insurance coverage resulting from health insurance reform, which would generate significant savings for state and local governments.

Bhamashah Swasthya Bima Yojana:

Rajasthan Government supports insurance initiatives towards its citizens under the Bahmashah Swasthya Bima Yojana. This is a cashless claims scheme for rural people of Rajasthan. There is no prescribed age limit for availing the benefits of this scheme.

Those who are a part of the National Food Security Act and the Rashtriya Swasthya Bima Yojana are also qualified for this insurance policy. This scheme covers hospitalization expenses for general illness as well as critical illnesses as per the terms and conditions. It covers both in-patient as well as out-patient expenses.

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Local Government Employees Health Plan

The Local Government Employees Health Plan makes private health insurance a more affordable option for council employees and councillors.

The plan saves members up to 45 per cent of their medical expenses by reimbursing any excess payable on hospital care.

Savings are made by choosing a product that charges the highest excess and the lowest premiums. When a member is hospitalised they are refunded any excess from the excess refund pool, which is funded by four per cent of member premiums.

Every year premiums rise on 1 April. If you haven’t checked already you might have a hefty health cover premium increase on the way. To check if you’re getting the best value for what you’re paying or to book a review, contact the LGE Health Plan:

Local Government Employees Health Plan

• Phone: 1800 808 026

Local Government Health Care Clients

• Bibb County Government Health Care Plan
• Central Nebraska Public Power and Irrigation District
• Chattanooga, City of
• Chattanooga Area Regional Transportation Authority
• Cobb County Health Plan
• Cook County Pension Fund Retirement Board
• Coweta , County of
• Florida College System Risk Management Consortium
• Grand Junction , City of
• Grand River Dam Authority
• Gwinnett County Retirement System Health Insurance Plan
• Hampton , City of
• Hampton City Public Schools
• Jefferson County
• Lenexa , Board of WaterOne
• Lexington-Fayette Urban County Government
• Lincoln , City of
• Los Angeles County Employees Retirement Association
• Miami-Dade College
• North Carolina Association of County Commissioners
• North Carolina County Health Plan
• North Carolina League of Municipalities
• North Carolina Municipal Insurance Trust
• Omaha Metropolitan Utilities District
• Pensacola General Pension Retirement Fund
• Pensacola Health Insurance Plan
• Shelby County Retirement System
• Sioux Falls , City of
• Suffolk , City of

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News Related To Government Health Insurance Schemes:

The Validity Of Pradhan Mantri Garib Kalyan Package Insurance Extended By 180 Days

September 17, 2020

The health workers are one of the groups of people who are working tirelessly in wake of the COVID-19 pandemic. They had been covered under health insurance and were offered the Pradhan Mantri Garib Kalyan package insurance. The validity for this scheme was initially declared as 90 days. However, now the validity has been extended by 180 days. Earlier, no one was aware of the magnitude of the spread of the virus and a short validity period was applied. The sum insured of the scheme is Rs 50 Lakh for people who come in direct contact with the people affected by COVID-19. The risk factor in providing health care services to patients affected by Coronavirus is very high as there can be a loss of life if an infection occurs. The major benefit of the plan is that the amount of premium is fully borne by the Indian Governments Ministry of Health and Family Welfare. Most of the frontline warriors like retired hospital staff, private hospital staff, workers on contract, volunteers, daily wage workers, outsourced staff, local urban bodies, etc. that provide health care services are covered under this insurance plan.

COVID-19: Insurance Scheme for Healthcare Workers and Professionals Extended Until September

June 22, 2020

COVID-19: Insurance Regulator Warns About Fake Online Insurance Offers During Lockdown

April 21, 2020

March 12, 2020

References:

Local Governments Interested In Joining The State Health Plan

Legislation allows local government units to participate in the State Health Plan. Participation is limited to local governments for which enrollment of full-time employees and dependents does not exceed 1,000 members. Retirees of local governments are not eligible for enrollment.

Total local government unit membership in the State Health Plan is has been increased to 16,000. A local governments participation in the Plan is subject to that local government passing a valid resolution expressing its intent to participate, submitting a notice of partcipation, and entering a memorandum of understanding with the State Health Plan.

At this time, the Plan can no longer accept application materials from local units of government. We have received commitments to date that will increase local membership in the Plan to the statutory enrollment cap on July 1, 2017.

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Yeshasvini Health Insurance Scheme:

The Yeshasvini Health Insurance Scheme is promoted by the Karnataka State Government. It is meant for farmers and peasants associated with a co-operative society. More than 800 procedures are covered as per this insurance policy.

Co-operative societies help the peasants and farmers to get enrolled in the Yeshasvini Health Insurance Scheme. The beneficiaries can avail health care through network hospitals. The scheme extends its benefits to the family members of the main beneficiary as well.

Top Features And Benefits Of Government Health Insurance Plans:

Heres a list of features and benefits of health insurance schemes:

• Policies are offered at a low price.

• Encourages people below the poverty line to avail insurance.

• Ensures the poor people have some sort of insurance cover.

• The government initiated policies help policyholders to feel assured.

Inclusion of Government as well as Private hospitals for better healthcare.

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Local Government Health Insurance Board

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Dr Ysr Aarogyasri Health Care Trust Andhra Pradesh State Government:

The Andhra Pradesh Government along with the Dr YSR Aarogyasri Trust, which works for health care, has come up with four beneficial welfare schemes. These schemes cater to different people and assist them in time of need.

Here are the four schemes:

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Central Government Health Scheme :

As the name suggests, this policy is initiated by Indias Central Government. Central Government employees are eligible for this policy. For example, Supreme Court judges, Certain Railway Board employees, etc. This policy has been active for six decades and has covered more than 35 lakh employees and pensioners.

Hospitalization, as well as domiciliary care, are covered as per this plans terms and conditions. Central Government Health Insurance Scheme covers Allopathy and Homeopathy as well. It is available in 71 cities and the plan is to expand the scope to more areas.

What Is A Government Health Insurance Scheme

Newspapers often carry headlines like:

• Get 5 lakh health insurance by Government,

• Government health insurance for senior citizens,

• Prime Minister health insurance scheme 2018

And a lot more varying from one Indian state to another. Such headlines are about Government health insurance schemes.

A Government Health Insurance Scheme is a State or Central Government powered health insurance initiative for its citizens. It is directed towards enhancing the healthcare quotient of the region by offering low-priced insurance policies with a sizeable sum insured. Such policies are usually offered on an annual basis.

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How Does Lgit Differ From An Insurance Company

In some ways, LGIT functions like an insurance company. Maryland local governments pay a premium to LGIT, LGIT gives the member government a coverage document that looks like an insurance policy, and LGIT pays claims and losses on the members behalf. However, there are a few important differences.

LGIT is owned and managed by its member local governments. Its purpose is to meet local government risk management needs – not to make a profit by selling insurance. Because LGIT is a nonprofit organization, if the Trusts income from fees and investments is more than is needed to pay for losses and expenses, the excess funds may be returned to the members.