Any welfare measures can be successful when people and the government work in tandem. It takes TWO hands toproduce sound.

GOI launched three good scheme in May 9 with health and life insurance and pension covers and those are becoming extremely popular among people. Pension provision would in accordance with market values.

The initiatives taken by the Government are yet show up results. It takes time to see if the health initiatives are successful or not.

It would take some time, but there are many enthusiasts which reach out to these initiative as most of forms are available through nationalized banks.

The response is good. But the promises made by these initiatives are good or not is yet to be known

Jan Dhan Yojna and other similar schemes are just deposit or insurance schemes and do not add to income or prosperity. Moreover these already existed in one form or the other but not so much publicized. The swachata program is more symbolic. As citizens, we must remain clean and keep our lanes and homes clean. We should subscribe to the social welfare/ security schemes.. But the foremost is getting skill, improving skill and thereby improving performance and income. Ultimately only employment and income can help people. any amount of social security schemes will not help and remain symbolic as long as people are not gainfully employed.  

The health insurance scheme would now cover person upto age 70 years with 12 rupees per annum, in others it is 65 years with health check but with government scheme there is no health check, and for disease upto two lac sum to be given, it is a good scheme, becoming very popular.

Whatever may be the characteristics of the Govt's initiatikves, it takes time to show up the results. Swatch Bharat remained in paper only. It is yet to take off.

Most generic statement and nothing to add on this subject without proper validation of theme of subject, it seems no idea about schemes what ever one is writing on this.