Rashtriya Swasthya Bima Yojana

The ‘Rashtriya Swasthya Bima Yojana’ for BPL families ( a unit of five) in Unorganised Sector was launched on 1st October, 2007 and became operational from April 1, 2008. Under the scheme, smart card based cashless health insurance cover of Rs. 30,000/- per annum on a family floater basis is provided to a BPL family in the organized sector. The premium is shared on 75:25 basis by Centre and State Government. In case of States of North-East region and Jammu & Kashmir, the premium is shared in the ratio of 90:10. The scheme provides for portability of smart card by the splitting the card value for migrant workers.

Till July 31, 2011, 27 States/Union Territories have initiated the process to implement the scheme. Out of these 27 States/ UTs, 25 States namely Assam, Arunachal Pradesh, Bihar, Chhattisgarh, Delhi, Goa, Gujarat, Haryana, Himachal Pradesh, Jharkhand, Karnataka, Kerala, Maharashtra, Manipur, Meghalaya, Mizoram, Nagaland, Orissa, Punjab, Tamilnadu, Tripura, Uttar Pradesh, Uttarakhand, West Bengal and Chandigarh Administration have started issuing smart cards. More than 2.4 crore smart cards have been issued as on July 31, 2011. Remaining States except, Andhra Pradesh and Rajasthan which have their own health insurance schemes, are in the process of implementation of the scheme.

RSBY has been extended to building and other construction workers registered under the Building and other Construction Workers (Regulation of Employment and Condition of Service) Act, 1996 and street vendors, beedi workers, MGNREGA beneficiaries who have worked for more than 15 days during the preceding financial year and Domestic Workers.

The Outlay and target for the year 2011-12 for RSBY for BPL families and other target groups are as under :-

S.No.

Name of the scheme

Outlay

Target fixed for 2011-12

1

RSBY for BPL families

Rs. 312.42 crore

2.4 crore

2.

Extension of RSBY to Building and other construction workers

To be met from the cess collected by the Boards constituted under the Building and other construction wokers (RECS), Act, 1996

-

3.

Extension of RSBY Street vendors

Rs. 19.91 crore

4.21 lakh

4.

Extension of RSBY MGREGA workers

Rs. 350

56 lakh

5.

Extension of RSBY Beedi workers

Rs. 62.25 crore

10 lakh

6.

Extension of RSBY Domestic workers

Rs. 350 crore

4.75 lakh

Basic features of the Scheme

· All the BPL families in the unorganized sector to be covered in five years under the scheme;

· The Government contributes 75% of the annual premium. State Governments to contribute 25%. Administrative cost to be borne by the State Governments. In case of North-East region, the premium is shared in the ratio of 90:10;

· Beneficiaries are issued Smart Cards;

· Total sum insured would be Rs. 30,000/- per family per annum on a family floater basis;

· Cashless transaction;

· All pre-existing diseases to be covered;

· Hospitalisation expenses, taking care of most of the illnesses including maternity benefit;

· Transportation cost of Rs. 100/- per visit with an overall limit of Rs. 1,000/- per annum within the limit of Rs. 30000/- and

· Projects are prepared by the State Governments and submitted for approval of the Inter-Ministerial Approval and Monitoring Committee constituted by the Central Government.

Unique Features Of The Scheme

· The use of smart card, making the scheme truly cashless as also providing interoperability to facilitate use by migrant labour;

· Use of IT applications on such a large scale for the poorest of the poor;

· Using both public and private service providers for delivering the insurance package;

· Evolving a business model which could make the scheme sustainable in the long run;

· Seeking contribution for the first time, by way of Registration fee, from the BPL beneficiary with a view to inculcating a sense of ownership in them and

· No age limit has been prescribed. Hence, senior citizens are also covered.


No comments:

Related Posts Plugin for WordPress, Blogger...
Related Posts Plugin for WordPress, Blogger...

The Hindu - Opinion

TAGS for articles

AGRICULTURE Andamans ANDHRA PRADESH Articles in Yojana Magazine BANKING Bio-Diversity Biodiversity CAG 150 Years CAMELS Rating System CENSUS : Important Definitions Census 2011 Census Data 2001 India at a glance Census of India 2011 Champaran Satyagraha's 100 years Children in India 2012 Climate Change Co-operative sector Communication CONSTITUTION Consumer Affairs COP 18 CRPF 75 YEARS Culture Cyclone Defence Desertification Disabled Get Social Justice Doha Climate Change Conference 2012 Outcomes E-Waste Management Eco Mark Economy Education in India eGovernance ELECTRONICS National Policy 2012 Emissions Trading Energy Engineers are Nation Builders Environment FDI FDI in Multi Brand Retail Finance Food Security FOOD SECURITY ACT 2013 Forest Gandhi Gas Authority of India Ltd General Elections 2014 Geography Global knowledge hub Goa Good Governance GOVERNANCE AND PUBLIC SERVICE Governance and Public Service Govt. Schemes Green Bench Handicrafts Haryana Judiciary Health History Home Ministry details and imp websites Horticulture Human Development Rank IARI PUSA IFoS Interview India Post India Year Book 2010 Indira Gandhi Indo Pak Relations Indo USA Indo- Nepal Relations 2014 Industrial Disputes Industry Inflation Infrastructure INTERNAL SECURITY International Relations Internet Interview Preparation Irrigation ISRO : FAQs Jawaharlal Nehru National Urban Renewal Mission Judge Guide JUDICIAL ACTIVISM JUDICIARY Judiciary : Articles on very important topics Kashmir Khadi Language Large Hadron Collider Law LOKAYUKTA ROLE Lokpal and Lokayuktas Bill 2011 Mangroves mate Change Media Mercury MGNREGA: Mahatma Gandhi National Rural Employment Guarantee Act Monetary Policy MSME National Forest Policy (NFP) 1988 National Green Tribunal National Issues National Pension System Nature Naxalism Naxalism : Internal Security Problem in India Naxalism (HINDI) Naxalism LWE Maoism: Problems and solutions Nilgiri North East NRHM- Key Achievements NSS: National Service Scheme Nuclear Science and Nuclear Reactor Nutrition Odiya Film Making 75 Years OUR PARLIAMENT Panchati Raj Parliament of India Peace Process in North East Personality Test Planning Planning Commission of India PM Narendra Modi Speech on 15 Aug 2014 Lal kila Delhi Pollution Population Poverty President election 2017 President's lecture Project Arrow Project Elephant Public Administration Public Administration - Articles/Reports/Papers PURA Qualities of Judge (Judicial Officer) Rabindranath Tagore Railways Rashtriya Swasthya Bima Yojana RBI : Journey into History of Bank of the Bankers Remote Sensing Renewable Energy RTI in brief Rural India SAFAR SARFAESI ACT Science and Technology Sevottam Simla Agreement Social Issues Society Socio Economic and Religious Differentials states Sunderbans Sustainable Development Tamil Tamilnadu Technological Developments Total Sanitation Campaign Tourism Tribes Tripura UPSC Urban Flooding Urban Issues Values Water Issues Water woes Welfare Wildlife Protection and Conservation Women's Issues Zoology

Trusted name in IAS Interview Training