Wednesday, 18 May 2016

Rashtriya Swasthya Bima Yojana : How to Enroll & Obtain Smart Card ?

Rashtriya Swasthya Bima Yojana (RSBY) is a health insurance scheme of the Governement of India for BPL family. The RSBY scheme was launched by the Ministry of Labour and Employment for the family living below poverty line (BPL). It is a cashless insurance scheme for providing medical treatment in public and selected private hospitals. Rashtriya Swasthya Bima Yojana is active in more than 25 states in India since it became operational on April 2008. RSBY provides cashless health insurance cover up to  30,000/-per annum to BPL families, people who are working in unorganized sector and under MGNREGS.

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What is Rashtriya Swasthya Bima Yojana ? 

The Government of India launched a health insurance scheme for BPL families. Later Rashtriya Swasthya Bima Yojana (RSBY) of the Labour and Employment Ministry is merged with national health insurance mission (NHAM) to provide medical care of up to 30,000/- per annum for the beneficiary. 

Who is eligible for Rashtriya Swasthya Bima Yojana ?

The beneficiary of the Rashtriya Swasthya Bima Yojana could be any family which come in Below Poverty Line (BPL) list .The Government of State prepared the list of BPL famliies district wise with help of district authorities. The BPL family needs to go to enrollment station of RSBY scheme for filling registration form to obtain rsby card. The beneficiary needs to pay Rs. 30 per annum as registration fee to get smart card. The rsby smart card is a biometric card which every beneficiary get for identifying their eligibility. 

Who can enroll for Rashtriya Swasthya Bima Yojana ? 

Every BPL family can enroll for the Rashtriya Swasthya Bima Yojana of Ministry of Labour and Employment. The head of family or beneficiary needs to be physically present while registering for the RSBY scheme. After applying for yojana beneficiary will gets smart card which is biometric enabled card issued to every one whoever enrolled for the rsby scheme. This card will be used to identify your identity when you're getting insurance cover for any kind of illnesses.

What is the insurance coverage in RSBY ?

Every below poverty line (BPL) family is the beneficiaries under Rashtriya Swasthya Bima Yojana. It provides medical cover upto 30,000/- for hospitalization of family of five members on a floater basis. Any member in family can take benefit of RSBY scheme in which medical care will be provided to the beneficiary for any kind of illnesses. Not only medical care, beneficiary of RSMY will be given a transportation cost of 1000 per annum.

How many hospital are in list to take medical treatment from ? 

Anyone whoever enrolled for the scheme can take medical treatment in the hospital which are listed and selected by the government for providing medical care. We have provided a link to list of hospital where you can go for treatment and take benefit of scheme.

What is the premium for RSBY?

The premium for Rashtriya Swasthya Bima Yojana is different in every state.The state government select insurance companies through open tendering process and select the best one with lowest bid to provide the RSBY scheme to people in the state.

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The Government of India pay the premium for RSBY in which the Central Government contributes 75% of annual premium and the remaining amount of premium is given by the State Government.

For more information on RSBY scheme leave your comment below :)