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Health Insurance - Rashtriya Swasthya Bima Yojana

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Rashtriya Swasthya Bima Yojana

To extend the reach of health benefits to the masses, Govt. has implemented the Rashtriya Swasthya Bima Yojana in association with insurance companies. RSBY has been launched by the Ministry of Labour and Employment, Government of India, to provide health insurance coverage for the below poverty line (BPL) families.

Following are the features of Rashtriya Swasthya Bima Yojana:

  • Total sum insured of Rs. 30,000 per BPL family on a family floater basis.
  • Pre-existing diseases to be covered.
  • Coverage of health services related to hospitalization and services of surgical nature which can be provided on a day-care basis.
  • Cashless coverage of all eligible health services.
  • Provision of smart card.
  • Provision of pre and post hospitalization expenses.
  • Transport allowance of Rs.100/- per visit.
  • The Central and State Government pays the premium to the insurer.
  • Insurers are selected by the State Government on the basis of a competitive bidding.
  • Choice to the beneficiary between public and private hospitals.
  • Premium to be borne by the Central and State governments
  • Beneficiary to pay Rs. 30/- per annum as registration fee/ renewal fee.
  • Administrative cost to be borne by the State Government.
  • Cost of smart card additional amount of Rs. 60/- per beneficiary would be available for this purpose.
  • The scheme will last for one year till 31st March of next year. This would be the terminal date of the scheme in that particular district. Thus, cards issued during the intervening period will also have the terminal date as 31st March of the following year