Rashtriya Swasthya Bima Yojana (RSBY) is a cashless national health insurance welfare scheme introduced by the Government of India. The objective of this scheme is to provide protection to BPL households from financial liabilities arising out of health setbacks involving hospitalization. Moreover, it also empowers BPL households to choose their health service provider, either private or public. It thus creates an incentive mechanism for providers to improve the quality of their services.
Every "below poverty line" (BPL) family with a yellow ration card pays a registration fee of Rs. 30 to get a biometric-enabled smart card containing their fingerprints and photographs. This enables them to receive inpatient medical care of up to Rs. 30,000 per family per year in any of the empanelled hospitals. Pre-existing illnesses for head of household, spouse and up to three dependent children or parents are covered from day 1.
The scheme covers up to 5 members in a family. In this scheme, enrollment for beneficiaries is done through the biometric smart cards. A robust backend data management system is being evolved to track Pan India transactions and provide detailed analytical reports.
'Mukhyamantri Swasthaya Bima Yojana' was initiated by State Government of Chhattisgarh’. This scheme aims to offer safety to all uncovered household against the health risk of spending leading to poverty. It also aims to provide quality health coverage to all the citizens.
The objective of this scheme is to broaden the access and availability of healthcare services. Another objective is to increase presence of a large private health sector for all the families.
Under the scheme, each enrolled family is entitled for insurance of Rs. 30,000 per family per annum on a ‘family floater basis’ (up to 5 members) along with coverage of the financial costs of hospitalization expense.