By AimIndia Team The Rashtriya Swasthya Bima Yojana (RSBY), launched by the Ministry of Labour and Employment in 2008, is a significant step towards providing health insurance to the unorganized sector workers in India. This scheme aims to offer financial protection to Below Poverty Line (BPL) families by covering their hospitalization expenses. Through this initiative, the government seeks to reduce the burden of medical expenses and ensure better healthcare access for economically vulnerable sections of society.
The Rashtriya Swasthya Bima Yojana (RSBY) is a health insurance plan for poor families.It offers different benefits to make sure these families get the medical care they need.The scheme covers hospitalization expenses up to ₹30,000 per family annually on a family floater basis. It also includes pre-existing conditions and transportation costs, ensuring comprehensive coverage. The RSBY card issued to beneficiaries allows for cashless transactions in both public and private empanelled hospitals across the country.
Objectives
- Providing health insurance to BPL families, reducing the financial burden of medical expenses.
- Ensuring access to quality healthcare through both public and private hospitals.
- Offering cashless hospitalization services up to Rs 30,000 per family per year.
- Including coverage for pre-existing diseases and transportation costs.
Full Details Of RSBY
| Name Of Scheme | Rashtriya Swasthya Bima Yojana (RSBY) |
|---|---|
| Announcement | Government of India |
| State Name | All States |
| Implementation | Ministry of Labour and Employment, Government of India |
| Updated On | 2024 |
| Objectives | To provide health insurance coverage to BPL families |
| Incentive | Up to Rs. 30,000/- per family per annum |
| Beneficiaries | Below Poverty Line (BPL) families across India |
| Application Starts | Always Open |
| Process | Enrollment via Offline Registration |
| Official Website | www.rsby.gov.in |
Eligibility Criteria
- Must be a worker in the unorganized sector belonging to a BPL family.
- Each family unit can include up to five members.
- Must be registered under welfare boards or recognized as BPL.
- You can check if you are eligible for the Rashtriya Swasthya Bima Yojana card online.
Benefits
- You can get up to ₹30,000 for medical care each year for your family.
- Cashless treatment is available at hospitals that are part of the network.
- Pre-existing diseases are covered.
- Transportation costs up to ₹100 per visit, with a yearly limit of ₹1,000.
- You can use the RSBY card anywhere in the country. This means you can go to any hospital that’s part of the RSBY program and get the services you need.
Required Documents
- BPL certificate or proof of unorganized sector employment.
- Identification proof (e.g., Aadhaar card, Voter ID).
- Recent passport-sized photographs of family members.
- RSBY card for verification during hospitalization.
Rashtriya Krishi Vikas Yojana (RKVY)-Full benefits & Launch Date 2024
How to Apply
- Enrollment Process: A digital list of eligible BPL households is provided to the insurance company, which prepares an enrollment schedule.
- Biometric Information: Eligible individuals provide biometric data (fingerprints) and photographs at local enrollment stations.
- Smart Card Issuance: Upon payment of a nominal fee of ₹30, beneficiaries receive an RSBY smart card on the spot.
- Card Usage: The RSBY card can be used at any empanelled hospital for cashless treatment.
Throughout the application process and while checking the status of your RSBY card online, it is important to verify your Rashtriya Swasthya Bima Yojana card details to ensure accuracy. You can check your Rashtriya Swasthya Bima Yojana card status and validity online by visiting the official portal. Additionally, beneficiaries should regularly monitor the Rashtriya Swasthya Bima Yojana name check online to confirm their inclusion in the राष्ट्रीय स्वास्थ्य बीमा योजना लाभार्थी सूची. For those looking to renew their coverage, the Rashtriya Swasthya Bima Yojana renewal online process is straightforward and can be completed via the same platform where you can also download your RSBY card.