Rashtriya Swasthya Bima Yojana

Rashtriya Swasthya Bima Yojana

Rashtriya Swasthya Bima Yojana (http://www.rsby.gov.in/) is the hugely successful public health insurance scheme for poor families.

Right now when I am writing this article, there are total 19 Million+ Smart Cards active under this scheme. RSBY is really a great health insurance scheme for poor families of India.

Here are the salient features of this Scheme. It’s really a great initiative by the Indian government for the poor families.

What is RSBY?

Ministry of Labour and Employment, Government of India has launched a health insurance scheme for BPL families which is called Rashtriya Swasthya Bima Yojana (RSBY).

Who is eligible?

The beneficiary is any Below Poverty Line (BPL) family, whose information is included in the district BPL list prepared by the State government. The eligible family needs to come to the enrollment station, and the identity of the household head needs to be confirmed by the authorized official.

What is the insurance coverage in RSBY?

Rashtriya Swasthya Bima Yojana provides cover for hospitalization expenses upto Rs. 30,000/- for a family of five on a floater basis. Transportation charges are also covered upto a maximum of Rs. 1,000/- with Rs. 100/- per visit.

What is the premium for RSBY?

The premium for RSBY is different in different set of districts. State Governments select insurance companies through open tendering process and technically qualified lowest bid is selected.

Who pays the premium for RSBY?

Government pays the premium for RSBY. Central Government pays 75% of the total premium (90% in case of Jammu & Kashmir and North east States) while State Government pays the remaining premium.

Will beneficiaries have to pay anything to get the policy?

Beneficiaries need to pay Rs. 30 per family at the time of enrollment.