Bima Yojana Rashtriya Swasthya (RSBY)
In times of medical emergency, families below the poverty line can receive financial support under the Rashtriya Swasthya Bima Yojana (RSBY). The Central Government provides more than 75% of the funding for this initiative, which was introduced by the Indian government in 2008. The remaining portion is supplied by the corresponding State Governments.
Under the Rashtriya Swasthya Bima Yojana (RSBY), eligible participants receive a range of benefits, including no waiting period, no paperwork, and access to a large network of hospitals. Additionally, beneficiaries are able to select between treating in public and affiliated private hospitals. All these benefits are available to families for just ₹750 a year in premiums.
The RSBY scheme registration/renewal fee for an eligible family is ₹30. Each enrolled member will receive a smart card after successfully registering or renewing, which they can use to access the program’s features.
Typically, enrollment facilities maintain a list of nearby families eligible for the Rashtriya Swasthya Bima Yojana programme. As a result, they can guarantee that the correct household is enrolled, which further streamlines the registration and enrolment process.
Rashtriya Swasthya Bima Yojana Features & Benefits for Recipients
The RSBY programme offers more than just basic health insurance; it also has a number of noteworthy features and perks, including:
Beneficiaries who qualify may utilise the RSBY card.
throughout an extensive network of Indian hospitals.
The programme gives patients the option to receive treatment at either government-run or private facilities with accreditation.
Policyholders can use the cashless benefit at any network hospital that is affiliated with the programme after getting the RSBY card.
Each household pays an annual premium of ₹750, which is split equally between the federal government and the corresponding state governments.
Beneficiaries’ information is safeguarded by an advanced system that also monitors and retains reports pertaining to RSBY.
The RSBY programme doesn’t require a lot of paperwork.
In addition, the insurance uses electronic means to make the payment.
Up to ₹30,000 can be claimed by qualified beneficiaries for a number of costs covered by the programme.
Up to the policy’s expiration, a newborn is automatically added to the list.
When filing a claim for a pre-existing condition, beneficiaries are not required to wait a certain amount of time. Additionally, RSBY does away with the first waiting period restriction.
Rashtriya Swasthya Bima Yojana’s Features and Advantages for Stakeholders
Stakeholders in RSBY include hospitals, insurers, and intermediaries such as NGOs and State and Central Governments. Stakeholders can gain from the Rashtriya Swasthya Bima Yojana in the following ways:
Each registered household pays premiums to the insurance company.
The money that hospitals receive is for treating each beneficiary.
Hospitals can send online claims to avoid the burdensome paperwork.
Hospitals accept payments online in order to facilitate quicker and more efficient payment clearance.
Hospitals receive immediate credit for the funds from insurers.
The services provided by intermediaries to promote the RSBY scheme are compensated.
Families living in poverty can be able to afford healthcare services thanks to government assistance.
How Can I Check The Online Status Of My Rashtriya Swasthya Bima Yojana Smart Card?
To check the status of your Rashtriya Swasthya Bima Yojana Smart Card online, follow the steps listed below:
On your smartphone, open the www.rsby.gov.in site.
Under “Scheme Status,” choose “State.”
Click “Submit” after entering the RSBY scheme on the gateway.
Your screen will show the current state of the RSBY scheme.
Rashtriya Swasthya Bima Yojana Eligibility
One must fulfil the eligibility requirements in order to apply online for the RSBY card and gain access to the benefits and medical facilities offered by the RSBY programme. It consists of:
A person who is employed in the unorganised sector may apply for the Rashtriya Swasthya Bima Yojana scheme. Furthermore, registration is also available to those who are registered with the welfare board.
All workers falling under the BPL category are eligible for the plan, regardless of their age. There is no upper age limit for members of the RSBY.
Documents Needed for the RSBY Programme
In order to get benefits from the RSBY scheme, the following documentation must be submitted:
passport-sized photos
Identity verification: PAN card, Aadhar card, etc.
Validation of address: utility bills, passports, etc.
Income Declaration
BPL playing card
Food card
The following is the procedure for RSBY claim settlement:
Following the beneficiary’s care at the hospital under contract, the hospital administration is required to provide an electronic report to the health insurance carrier or third-party administrator (TPA).
This authorised person will confirm the information provided by the hospital and directly settle any outstanding balances with the facility.
At the hospital that has been empanelled, the beneficiary seeking treatment merely needs to show the RSBY smart card. To settle a claim, no additional paperwork is required.
FAQ
Is there a minimum age requirement to register dependent children for the RSBY programme?
No, there is no minimum age need to enrol dependent children in RSBY.
The RSBY premium is paid by who?
When registering for the scheme or renewing it, the head of the family must pay a small fee of ₹30. The central and state governments pay the remaining ₹750 premium.
To whom is the RSBY scheme open?
People who fall below the below poverty line (BPL) category are qualified to sign up for RSBY.
Is attendance of the family head required at the time of “availing benefits under RSBY”?
No, the family head does not have to be present at the empanelled hospital in order for them to get medical care.
What is the Rashtriya Swasthya Bima Yojana renewal fee?
The Rashtriya Swasthya Bima Yojana renewal fee is ₹30 every year.
Who is able to provide the smartcard’s biometric data?
Any family member may submit their biometric data for a smartcard under the RSBY programme.
