![]() People earning more than that amount are provided health insurance coverage by their employers through either one of the four main public health insurance funds which are the National Insurance Company, The Oriental Insurance Company, United India Insurance Company and New India Assurance or a private insurance provider. For people working in the organized sector (enterprises with more than 10 employees) and earning a monthly salary of up to ₹21,000 are covered by the social insurance scheme of Employees' State Insurance which entirely funds their healthcare (along with unemployment benefits), both in public and private hospitals. This aimed to cover the bottom 50% (500 million people) of the country's population working in the unorganized sector (enterprises having less than 10 employees) and offers them free treatment at both public and private hospitals. ![]() At the federal level, a national publicly funded health insurance program was launched in 2018 by the Government of India, called Ayushman Bharat. The public hospital system is essentially free for all Indian residents except for small, often symbolic co-payments in some services. India has a multi-payer universal health care model that is paid for by a combination of public and private health insurance funds along with the element of almost entirely tax-funded public hospitals. ![]() Indira Gandhi Medical College and Hospital, Shimla, Himachal Pradesh
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