Rastriya Swastya Bima Yojna

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Rastriya Swastya Bima Yojna - Introduction Introduction:-RSBY has been launched by Ministry of Labour and Employment, Government of India on April 2008 to provide health insurance coverage for Below Poverty Line (BPL) families. Objective of RSBY- It is to provide protection to BPL households from financial liabilities arising out of health shocks that involve hospitalization. AIM OF THE SCHEME- Beneficiaries under RSBY are entitled to hospitalization coverage up to Rs. 30,000/- for most of the diseases that require hospitalization. Government has even fixed the package rates for the hospitals for a large number of interventions. Pre-existing conditions are covered from day one and there is no age limit. Coverage extends to five members of the family which includes the head of household, spouse and up to three dependents. Beneficiaries need to pay only Rs. 30/- as registration fee while Central and State Government pays the premium to the insurer selected by the State Government on the basis of a competitive bidding. RSBY Scheme covers 725 surgical process & non surgical unspecified diseases also covered in the scheme. • In the year 2010-11 maternity benefit will be covered under RSBY Scheme and the new born will be automatically covered under the scheme upto the end of the policy period. • Under RSBY scheme there is a provision of card splitting so that if any one of the family member is working out of district/State he can avail the benefit of the scheme uner RSBY empanelled hospitals in the country .(India). In Uttrakhand RSBY Scheme was launched in 1st December 2008 and the Nodal Agency was Uttrakhand State Labour Department. However the scheme was transferred to Uttrakhand Health & Family Welfare Department in September 2009.