Rashtriya Swasthya Bima rojana By : Smriti Sethi
Introduction . It is a tax-financed health insurance that is managed through private insurance companies for Below Poverty Line families. t was launched for the workers in the unorganized sector in 2007-08. It provides for IT-enabled and smart-card based cashless health insurance. It also includes maternity benefit cover up to Rs. 30,000/- per annum on a family floater basis Ce
The cost of the insurance premium is borne by both the central (75 percent) and state (25 percent) governments. Initially, the scheme was launched by the Ministry of Labour and Employment, but was transferred to the Ministry of Health and Family Welfare on 1 April, 2015. It was rolled out in 25 states of the country on 1 April, 2008. By February 2014, a total of 36 million families have been covered under the scheme.
Target Beneficiaries Below Poverty Line People Also MNREGA workers who have been employed for over 15 days in the previous financial year Domestic helpers and workers . Sanitation workers Miners and mine workers e Rickshaw pullers and auto and taxi drivers Street vendors and railway porters
Details Every BPL family holding a valid ration card may enroll to avail the insurance benefits as extended by the scheme. INR 30 will be charged as a one time registration fee. Upto 5 members of the family including one head of household, spouse and three dependent persons (children or parents) may be covered under the insurance scheme. Each family is entitled to claim (cashless) inpatient medical care up to INR 30,000 per annum The hospitalization may be done in any of the empaneled hospitals. Pre existing ailments will be covered from Day 1 of the enrolment. -Each family may also claim transport expenses of INR 100 per hospitalization subject to a maximum of INR 1000 per family per annum.
Evaluation It is unable to reduce out-of-pocket payment for healthcare for the poor, thus illness remains one of the most prevalent causes of human deprivation in India. No Revision of scheme: It continues to be capped at Rs 30,000 since 2008 while the costs of hospitalization have almost doubled and it also does not take into account post-hospitalization costs. Delay in seeking care: Poor people tend to delay hospitalization until they are more severely ill, due to the fear of losing work days and wages, which is costly both from the perspective of costs and health. Positive Impact: Due to "virtual income tra nsfer" there has been an increase in non-medical spending by poor after RSBY intervention.