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Rashtriya Swasthya Bima Yojana in India

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Rashtriya Swasthya Bima Yojana in India

Rashtriya Swasthya Bima Yojana (RSBY) is a government-sponsored health insurance scheme implemented in India to provide financial protection against healthcare expenses for individuals and families living below the poverty line. Launched on April 1, 2008, under the Ministry of Health and Family Welfare, RSBY aims to ensure accessible and affordable healthcare for the marginalized and economically vulnerable sections of society. 

RashtriyaSwasthyaBima Yojana: THE PLAN

The Government of India's Ministry of Labour and Employment has introduced RSBY to offer Below Poverty Line (BPL) families access to health insurance. The purpose of RSBY is to shield BPL households from the financial obligations caused by medical emergencies that necessitate hospitalisation.

Eligibility for the SwasthyaBima Yojana:

·       Beneficiaries of the programme will be BPL-eligible unorganised sector employees and their families (a family unit of five).

·       Verifying the eligibility of the unorganised sector workers and his family members who are suggested to be benefited under the plan will fall under the purview of the implementing authorities. For identification purposes, SwasthyaBimaCards will be given to the beneficiaries.

RashtriyaSwasthyaBima Yojana Provides Health Insurance Coverage To:

·       The beneficiary of the RashtriyaSwasthyaBima Yojana shall be eligible for any in-patient health insurance benefits that the relevant State Governments may designate in accordance with local/regional needs including:

·       The unorganized sector employee's family (a unit of five) will receive coverage.

·       On a family floater basis, the total sum covered would be Rs. 30,000 per family per annum.

·       All covered diseases are treated without payment

·       hospital bills, treating the majority of frequent ailments with the fewest exclusions feasible

·       Pre-existing conditions will all be covered.

·       Transportation expenditures (real, up to a maximum of Rs. 100 per visit), up to a maximum of Rs. 1000 altogether.

To know more information about Rashtriya Swasthya Bima Yojana please visit: https://quickinsure.co.in/articles/all-about-rashtriya-swasthya-bima-yojana

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