RSBY has been launched by Ministry Of Labor and Employment to provide health insurance coverage for Below Poverty Line families. Poor families are deprived of the proper medication and treatment during their illness. Their earning capacity does not allow them to avail the medical services by the hospitals. RSBY provides the insurance coverage to those people. Our company is involved in enrollment process of this project. We are working in this project for the last 3 years in the states like Delhi, Uttar Pradesh, Rajasthan, Haryana and Bihar.
Social Security and healthcare assurance for all has been the motto of Government of India, and it has taken various steps in this regard.
One of the most important policy milestones is the Unorganized Workers Social Security Act (2008) enacted by the
Central Government to provide for the social security and welfare of the unorganized workers.
This act recommends that the Central Government provide social security schemes to mitigate risks due to disability,
health shocks, maternity and old age which all unorganized workers get exposed to and are likely to suffer from.
In India more than two thirs of expenditure on health is through Out of Pocket (OOP) which is the most ineficient and
least accountable way of spending on health.
Suppy side financing on health alone has not been found to be successful in reducing OOP expenditure on health
substantially and therefore,
to test the demand side financing approach, Government of India, decided to introduce
Rashtriya Swasthya Bima Yojana (RSBY) a Health Insurance Scheme for the Below Poverty Line families with the
objectives to reduce OOP expenditure on health and increase access to health care.
RSBY was launched in early 2008 and was initially designed to target only the Below Poverty Line (BPL) households, but has been expanded to cover other defined categories of unorganised workers, covering:
1. Building and other construction workers registered with the Welfare Boards
2. Licensed Railway Porters
3. Street Vendors
4. MNREGA workers who have worked for more than 15 days during the preceding financial year
5. Beedi Workers
6. Domestic Workers
7. Sanitation Workers
8. Mine Workers
9. Rickshaw pullers
10. Rag pickers
11. Auto/Taxi Driver
The premium cost for enrolled beneficiaries under the scheme is shared by Government of India and the State Governments. The program has the target to cover 70 million households by the end of the Twelfth Five Year Plan (2012-17). Its main service delivery model remained as demand financing, freedom of choice among accredited government and private hospitals, and cashless service reimbursable to provider on a pre-determined package rates on family floater basis, could become a strong pillar for the universal health care system laid down by Government of India.
Since 1st April, 2015, the Scheme Rashtriya Swasthya Bima Yojana (RSBY) has been transferred to Ministry of Health & Family Welfare on as is where is basis. Ministry of Health & Family Welfare is administering and implementing the scheme through a decentralized implementation structure at the State level.
Objective of RSBY:-
RSBY has two fold objectives:
1.To provide financial protection against catastrophic health costs by reducing out.
2.To improve access to quality health care for below poverty line households of pocket expenditure for hospitalization and other vulnerable groups in the unorganized sector.
The beneficiaries under RSBY are entitled to hospitalization coverage up to Rs. 30,000/- per annum on family floater basis, for most of the diseases that require hospitalization. The benefit will be available under the defined diseases in the package list. The government has framed indicative 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. The coverage extends to maximum five members of the family which includes the head of household, spouse and up to three dependents. Additionally, transport expenses of Rs. 100/- per hospitalisation will also be paid to the beneficiary subject to a maximum of Rs. 1000/- per year per family. The beneficiaries need to pay only Rs. 30/- as registration fee for a year while Central and State Government pays the premium as per their sharing ratio to the insurer selected by the State Government on the basis of a competitive bidding. At every state, the State Government sets up a State Nodal Agency (SNA) that is responsible for implementing, monitoring supervision and part-financing of the scheme by coordinating with Insurance Company, Hospital, District Authorities and other local stake holders.
The RSBY scheme is not the first attempt to provide health insurance to low income workers by the Government in India. The RSBY scheme, however, differs from these schemes in several important ways.
Our company is authorized by Govt. Of India to deal with E-Governance projects. It sets up enrollment program to collect the details, including demographic and biometric information of every Indian resident. We are working in this project for the last 3 years in the states like Delhi, Uttar Pradesh, Rajasthan, Haryana and Bihar.