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 :-
Name of the scheme
Target fixed for 2011-12
RSBY for BPL families
Rs. 312.42 crore
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
Extension of RSBY Street vendors
Rs. 19.91 crore
Extension of RSBY MGREGA workers
Extension of RSBY Beedi workers
Rs. 62.25 crore
Extension of RSBY Domestic workers
Rs. 350 crore
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.