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The Rashtriya Swasthya Bima Yojana is a health insurance scheme introduced by the government of India to provide coverage for hospitalization expenses. The scheme was introduced on September 23, 2008.
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Introduction: What is Rashtriya Swasthya Bima Yojana?
The Rashtriya Swasthya Bima Yojana is a health insurance scheme introduced by the government of India. It is a health insurance plan for workers of the unorganized sector who earn below the poverty line. The plan provides medical insurance for participants and their family members. The government will provide cashless health insurance to those who are covered under the scheme.
The Rashtriya Swasthya Bima Yojana (RSBY) is a government health insurance scheme that provides cashless medical treatment to poor and lower-middle-class people. It was launched in 2008 as a way to provide free medical care to the poorest sections of society. RSBY has been implemented in more than 1,400 districts across India, with an estimated population of over 50 crores.
The Rashtriya Swasthya Bima Yojana is a Government Health Insurance Scheme for the Poor and Lower Middle Class which covers treatment in empanelled hospitals as well as cashless benefits to poor families who need secondary and tertiary care hospitalization.
The Rashtriya Swasthya Bima Yojana was launched in 2008 with the aim of improving access to health care for the poor and lower-middle-income group. It provides financial protection against catastrophic medical expenses. The RSBY is now available to workers in the informal sector as well. The government has made it possible for those in this category to receive healthcare at any hospital that is approved by the scheme.
RSBY started enrolling its beneficiaries in April 2008. By February 2014, more than 36 million families had been enrolled in the scheme. By March 2011, it had covered 10.2% of the Indian population. The RSBY is run by the Ministry of Health and Family Welfare. Any member of a family can be eligible for the program. It is free to apply for the scheme and does not require any registration fees.
The Rashtriya Swasthya Bima Yojana is a health insurance plan that is affordable for people living below the poverty line. This policy is designed to help people get medical treatment that is within their means and at an affordable price. It also allows those who cannot afford to pay high premiums to apply for the policy. It is also possible to obtain coverage for an individual if you have a spouse or children.
The Rashtriya Swasthya Bima Yojana is a national health insurance program that was introduced in April 2008. It is a health insurance program that provides health insurance for individuals and their families. The government has set up these plans to ensure that everyone in the country can access a health care plan that meets their needs. There are no exclusions from the coverage and the benefits are available to all residents of the country.
Under the Rashtriya Swasthya Bima Yojana, people in the BPL category can receive free health insurance coverage. It is important to note that the government is committed to providing health care insurance coverage to all residents of the country. Its aim is to ensure social security to low-income families and protect them from financial hardships. This social security program is provided through the Ministry of Health and Family Welfare.
Benefits under Rashtriya Swasthya Bima Yojana
The program offers health insurance coverage of up to Rs. 30,000 per family and covers all medical costs up to a limit of Rs. 1000 per visit. The maximum insured amount is Rs. 30,000 per family annually. The program is available to people who fall under the BPL category (A family of five) and pay a registration fee of Rs. 30 per year. Once a member registers, they can apply for the medical insurance policy.
Covers cashless payments to all diseases or ailments
All pre-existing diseases are under covered under this scheme.
Transportation costs upto 1000 (upper limit) is covered, per visit maximum limit is Rs100
Who Funds the Rashtriya Swasthya Bima Yojana?
- Government of India covers 75% of annual premium which a maximum of 565 per family for a total premium amount of 750 per annum
- State Governments or Union Territories covers remaining 25% of premium cost annually
- Beneficiary has to pay only Rs 30 per annum for registration and renewal
- Smart card cost is also borne by the Government of India.
Who Is Eligible under the Rashtriya Swasthya Bima Yojana?
- Unorganized sector workers in the BPL category as well as their families are the beneficiaries under the scheme. A family means a family of five.
- It is the duty of the implementing agencies to confirm the eligibility of unorganized sector employees and their relatives who are planned to be eligible through the program.
- The beneficiaries will receive smart cards to serve as proof of identification.
How to apply for the Rashtriya Swasthya Bima Yojana?
- A list of all qualified BPL households is sent to the insurance company, using a specific data format.
- A schedule of enrolment is prepared by the insurance company working with each district officials, once the date is finalized it is published for each village, BPL list is displayed in every village at an enrolment stations as well as in prominent places prior to enrolment. Also, the date and time of enrolment in the village is announced ahead of time. Stations for enrolment on mobiles are installed in local centers like public schools in every village
- The enrolment stations are stocked by the insurance company with the technology required to collect biometric data (fingerprints) and photos of all household members who are that are covered as well as a printer that can print smart cards containing photographs.
- A smart card together with a pamphlet detailing the scheme as well as the list of hospitals, are delivered on the spot after the patient has paid the fee of 30 rupees and the Government Officer responsible has authenticated the smartcard. The process usually takes less than 10 minutes. The cards must be given out with the form of a plastic case.
What is the use of the Smart Card for RSBY?
Every user who registers for the RSBY will get a Smart Card, Smart Card is used for delivering the services to the user or the beneficiary at the time of hospitalization. Smart Card contains biometric information like fingerprints and photographs and it is used for authenticating the patient when they get admitted to an empanelled hospital which enables for cashless treatment at these hospitals.
In case the Smart Card is not working, the head of the family’s photograph is used for authenticating so that the family can avail cashless benefits.
How to raise complaints under RSBY?
There is a central grievances system which is established to hear complaints. If a complainant wants to lodge a complaint then you can file it online Click Here (http://rsby.gov.in/tempsites/cgrs/Website/OnLineRegisterComplaint.aspx)
If you need to know more details on the Rashtriya Swasthya Bima Yojana please do visit the official website
Empanelled Hospital list
Click here to find the list of Empanelled hospitals
Conclusion: Why You Should Apply for Rashtriya Swasthya Bima Yojana Today
The Rashtriya Swasthya Bima Yojana is a scheme that provides health insurance coverage to the poor and underprivileged people of India. It has been designed to provide protection against the financial risk of illness. The scheme will cover the cost of hospitalization and treatment for serious ailments like cancer, heart attack, stroke, kidney failure and so on.
You may also be interested in Pradhan Mantri Suraksha Bima Yojana(PMSBY)
