Rashtriya Swasthya Bima Yojana 2024 Features, Details and Eligibility

Rashtriya Swasthya Bima Yojana 2024

The Rashtriya Swasthya Bima Yojana (RSBY), introduced in April 1, 2008 by the Ministry of Labor and Employment, aims to provide healthcare services and social security to unorganized workers and families below the poverty line. Let’s explore the key features, eligibility criteria, and benefits of Rashtriya Swasthya Bima Yojana 2024.

Overview of Rashtriya Swasthya Bima Yojana

Aspect	Details
Features	– Hospitalization Coverage: Up to Rs. 30,000 for unorganized workers – Affordable Registration: Nominal fee of Rs. 30 – Pre-existing Conditions Covered – Family Floater Cover – Smart Card Issuance – Stakeholder Incentives
Scheme Details	– Funded mainly by Indian government (75%) – Registration fee: Rs. 30 – Eligible members: Unorganized workers and families – Coverage includes various medical expenses
What is Covered	– Hospitalization – Pre- and post-hospitalization costs – Transportation – Dental treatment for accidents – Daycare treatments and maternity expenses – Newborn coverage
What is Not Covered	– HIV/AIDS treatment – Certain medical procedures not in policy – Cosmetic dental work or substance abuse-related treatments – Congenital external diseases and specific procedures
Registration Process	– Submission of electronic list to authorized insurance companies – Enrollment at designated stations with biometric data collection – Nominal fee payment of Rs. 30
RSBY Card Details & Verification	– Smart card enables cashless transactions – Holds patient information and beneficiary identification – Online verification available through RSBY website
Eligibility Criteria	– Unorganized Sector Workers – District BPL List inclusion – Marginally Above Poverty Line – Welfare Board Registrants
Online Verification Steps	1. Visit RSBY website and select “Scheme Status” 2. Choose state 3. Track state 4. Status displayed

राष्ट्रीय स्वास्थ्य बीमा योजना क्या है?

राष्ट्रीय स्वास्थ्य बीमा योजना (RSBY) भारतीय सरकार द्वारा शुरू की गई एक ऐसी योजना है जो असंगठित क्षेत्र के लोगों और गरीब परिवारों को स्वास्थ्य सेवाओं और सामाजिक सुरक्षा प्रदान करने का उद्देश्य रखती है। इस योजना के तहत, पंजीकृत लाभार्थियों को अस्पतालीय और चिकित्सा खर्चों का आरंभिक भुगतान किया जाता है और उन्हें स्मार्ट कार्ड प्रदान किया जाता है जो बियोमेट्रिक विवरण और तस्वीरें शामिल करता है।

Rashtriya Swasthya Bima Yojana Features

Discover the comprehensive features of the Rashtriya Swasthya Bima Yojana, ensuring healthcare access for all.

1. Hospitalization Coverage:
   • Unorganized workers receive coverage up to Rs. 30,000 for hospitalization expenses.
   • Premium charges are paid by both the Central Government and the respective State Government.
   • There is no age limit for coverage under this scheme.
2. Affordable Registration:
   • Beneficiaries pay a nominal registration fee of Rs. 30.
   • The scheme aims to reduce out-of-pocket expenses during medical emergencies.
3. Pre-existing Conditions Covered:
   • RSBY covers pre-existing health conditions of beneficiaries.
4. Family Floater Cover:
   • The scheme provides complete medical coverage for all family members.
5. Smart Card Issuance:
   • Insured families receive a smart card containing biometric details.
   • The scheme uses a data management system to track transactions and generate periodic reports.
6. Stakeholder Incentives:
   • Insurers receive incentives from the Government based on the number of enrolled members.

Rashtriya Swasthya Bima Scheme Details

RSBY, also known as the Rashtriya Swasthya Bima Yojana, is a government program designed for financially disadvantaged individuals. Funded mainly by the Indian government (75%), with some help from state governments, it aims to make healthcare affordable. In certain areas like the northeast and Jammu and Kashmir, the government covers 90% of costs, with states covering 10%.

Beneficiaries pay a small Rs. 30 registration fee to cover admin costs. Eligible members include unorganized workers and their families, verified by agencies and issued ID cards.

What is Covered by Rashtriya Swasthya Bima Yojana

RSBY covers various healthcare expenses, including:

• Hospitalization for illnesses, diseases, or accidents.
• Pre- and post-hospitalization costs.
• Transportation costs up to Rs. 100 per visit, with a yearly limit of Rs. 1,000.
• Dental treatment for accidents.
• Daycare treatments and maternity expenses for natural and cesarean deliveries.
• Newborn coverage, even if the beneficiary limit is exceeded.

What is Not Covered by Rashtriya Swasthya Bima Yojana

However, RSBY doesn’t cover:

• HIV/AIDS treatment.
• Certain medical procedures not in the policy.
• Cosmetic dental work or substance abuse-related treatments.
• Congenital external diseases and specific procedures.

How Is The Rashtriya Swasthya Bima Yojana Scheme Funded?

The Rashtriya Swasthya Bima Yojana offers health insurance to low-income families, with funding primarily from the central and state governments.

In most states, the Government of India covers 70% of the costs, while State Governments cover 30%. For north-eastern states and Jammu & Kashmir, the Government of India covers 90%, with respective State Governments covering 10%.

Beneficiaries pay a nominal one-time registration fee of Rs 30, which covers administrative expenses. This setup ensures affordable health insurance for low-income families.

Rashtriya Swasthya Bima Yojana Registration

The enrollment process for RSBY starts with eligible BPL households being listed electronically and submitted to authorized insurance companies. These companies, working with district-level authorities, set up enrollment schedules across villages.

Next, the BPL list is displayed at designated stations within each village, showing the enrollment date and location. Mobile stations are strategically located, often in places like public schools, where biometric data and family photos are collected, and smart cards are issued.

Once beneficiaries pay a Rs. 30 registration fee, they receive their smart cards, along with an informational pamphlet outlining scheme benefits and a list of network hospitals. The entire process is efficient and usually takes about ten minutes.

RSBY Card Details and Online Verification

The RSBY Card, also known as the Swasthya Bima Card, holds significant importance, enabling cashless transactions at network hospitals and offering portability benefits across India. The smart card serves various functions, including patient information storage and beneficiary identification through fingerprints and photographs. In case of biometric failure, the photograph on the card serves as an alternative identification method. Beneficiaries receive their smart cards directly at the enrollment stations.

 Rashtriya Swasthya Bima Yojana Card Verification Online

To check the status of their Rashtriya Swasthya Bima Yojana Smart Cards online, beneficiaries can follow these steps:

1. Visit the RSBY website and select “Scheme Status.”
2. Choose your state from the provided list.
3. Click on “Track your State” and select your state.
4. The status of your card will be displayed accordingly.”

Rashtriya Swasthya Bima Scheme Eligibility Criteria

To enroll in the Rashtriya Swasthya Bima Scheme, applicants must meet the following criteria:

1. Unorganized Sector Workers: The applicant must work in the unorganized sector and belong to below the poverty line households.
2. District BPL List: The applicant must be included in the district’s Below Poverty Line (BPL) list.
3. Marginally Above Poverty Line: Individuals marginally above the poverty line can also apply for RSBY coverage.
4. Welfare Board Registrants: People registered under welfare boards are eligible to apply.

RSBY – Smart Card Download

• The smart card, along with an information pamphlet describing the scheme and the list of hospitals, is provided on the spot once the beneficiary has paid the 30 rupee registration fee and the concerned government officer has authenticated the smart card.
• The process normally takes less than ten minutes, and the cards are handed over in a plastic cover.

Conclusion

The Rashtriya Swasthya Bima Yojana (RSBY) introduced in 2008 aims to provide healthcare and social security to unorganized workers and impoverished families. With comprehensive features like hospitalization coverage and affordable registration, RSBY prioritizes accessibility and affordability. The streamlined enrollment process, facilitated by mobile stations and nominal fees, ensures prompt issuance of smart cards to beneficiaries.

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