- Scheme Details – RSBY scheme is specially designed to provide health coverage for people living below poverty line (BPL families. Rashtriya Swasthiya Bima Yojana scheme provides protection to BPL families from any major health shock and the financial liabilities it brings along with it.
- Eligibility – RSBY is applicable to a BPL family of 5 members max. The membership may include the head of the house, spouse and max 3 dependents.
- Cost – Beneficiaries need to pay only Rs. 30/- as registration fee and receives a biometric-enabled smart card for identification. This helps them to avail of the benefits provided by the scheme. The premium for the insurer is paid by Central and State Government on the basis of a competitive bidding.
- Benefits – RSBY beneficiaries can avail of in-patient coverage up to Rs. 30,000/- for most of the diseases that require hospitalization. The scheme is available to fix predefined rates at empaneled hospitals only. Pre-existing illness of insurers is also covered from the start and there is no constraint on coverage except max limit of 5 members.
- This scheme is to be subsumed with Ayushman Bharat – National Health Protection Mission (AB-NHPM) soon.
