As per the 2011 Socio-Economic Census, 26.17% of Rajasthan’s population live on daily wages and don’t own a house. The availability of quality healthcare is one of the struggles these families face. The State Government introduced the Bhamashah Swasthya Bima Yojana to combat such issues.
Overview of the scheme | |
|---|---|
| Name of the scheme | Rajasthan Bhamashah Health Insurance Scheme |
| Starting Year | 2015 |
| Benefit | Insurance cover of Rs 30,000 for general illnesses and up to Rs 3 lakh for critical illnesses. |
| Beneficiaries | Permanent resident of the state. |
| Nodal Department | Medical Health and Family Welfare Department Rajasthan |
About the plan
Bhamashah Swasthya Bima Yojana was a programme created by the State Government of Rajasthan and introduced on December 13, 2015, with a focus on the people of Rajasthan. Families eligible for benefits under the National Food Security Act (NFSA) and Rashtriya Swasthya Bima Yojana (RSBY) can sign up for the programme. The new name for Bhamashah Swasthya Bima Yojana Scheme is Ayushman Bharat Mahatma Gandhi Health Insurance Scheme. The scheme now includes the Socio-Economic Census families as well. This has increased the scope of the program.
This scheme offers cashless health insurance benefits that include coverage of up to Rs. 5 lakhs for regular medical treatment and Rs. 5 lakhs for life-threatening ailments to its beneficiaries. To receive the advantages of coverage, the families covered by the insurance on a floating basis must pay a set premium each year.
- Rajasthan government is committed to providing every comfort and facility to the people of its state.
- Be it education related, employment related or most importantly health related.
- It is very important for any state government that its people are healthy and they do not have to be deprived of any health related facility.
- But mainly it has been seen that the poor section of the state is deprived of health facilities due to their financial condition.
- Due to the lack of which many times they even lose their lives.
- Keeping this problem in mind, the state government has started a new scheme for the poor section of the state.
- Whose name is “Rajasthan Bhamashah Health Insurance Scheme” (BSBY).
- Under this scheme, the beneficiary will be provided insurance cover in case of general and serious illness.
- Under this insurance cover, the eligible person can get free treatment ranging from Rs 30,000 to Rs 3 lakh.
- The main objective of the scheme is to reduce the expenditure incurred by the public on their health, as well as
- The aim is to improve the health of the public and make available facilities in high-quality private hospitals.
- Around 1 Crore families will be benefited under this scheme by the state government.
- The benefit of this scheme will be given to all the family members coming under RSBY and NFSA.
- In order to provide benefits to maximum number of people, a total of 1715 diseases have been defined under the scheme by the government.
- Out of these, there are 67 such diseases whose benefits can be availed only by getting treatment in government medical institutions.
- Beneficiaries can avail the benefit of Bhamashah Health Insurance Scheme from 432 government and 498 private institutions.
- The scheme will also cover all pre-insurance illnesses.
- An additional corpus fund of Rs 10 crore has also been approved by the government under the scheme.
Bhamashah Health Insurance Scheme Features
Coverage of pre and post-hospitalisation medical expenses incurred before and after admission.
Cashless treatment facility enabled through an extensive network of empanelled hospitals.
No age limit restrictions – eligibility for enrollment is open to all members of a family.
Inclusion of 7 days pre and 15 days post-admission expenses under insurance cover.
Single-family floater policy covering hospitalisation costs of all enrolled family members.
Cover provided for a wide variety of treatments, surgical procedures and medical packages.
Miscellaneous hospital expenses like devices, supplies, meals, etc., also accounted for.
Benefits under the scheme
- The beneficiary will be provided an insurance cover of Rs 30,000 for general illness and up to Rs 3 lakh for serious illness.
- Beneficiaries can avail the benefits of the scheme from designated government and private hospitals.
- This benefit will be given to all eligible members of the family.
- All facilities under the scheme will be cashless.
- The beneficiary can avail the benefits of the scheme until the provided amount is exhausted in a year.
- All pre-insurance illnesses will also be covered under this plan.
- In case of heart disease or severe shock, the beneficiary will also be given a travel allowance of Rs 100 to 500.
- Along with the necessary hospitalization for the identified disease, treatment 7 days before and 15 days after hospitalization will also be covered.
- Under the scheme, medical facilities will be available to the beneficiary in the general ward, which mainly include: –
- Bedding Expenses.
- Recruitment Expenses.
- Consultation & surgery fees.
- Expenses on surgical equipment and medicines.
- Ventilator, X-ray and other investigation charges.
- And all other expenses which are borne by the hospital during the treatment of the patient.
Eligibility criteria for Bhamashah Swasthya Bima Yojana
The beneficiary must be a permanent resident of Rajasthan.
To take advantage of this scheme, the beneficiary must have an Aadhaar card and Jan Aadhaar card.
Beneficiaries should be included in the Socio-Economic Survey 2011 eligible families of National Food Security.
Beneficiaries should be from economically low-income families.
Documents required to avail the benefits
- Bhamashah Card or the seven-digit number of the Bhamashah Card, or
- RSBY Card.
- NFSA Card.
- Aadhar card.
- Identification proof (Voter card, Driving license, PAN card, or any other identification card)
Bhamashah Swasthya Bima Yojana application process
Bhamashah Swasthya Bima Yojana online application process
Here are the steps to apply for this scheme online.
To begin, go to the Bhamashah Swasthya Bima Yojana Scheme’s official website.
You must click the Apply Online option on the home page.
Following that, an application form will appear in front of you.
You must fill out all of the required information on this application form.
Following that, you must attach all relevant documents.
Then click the submit button.
Bhamashah Swasthya Bima Yojana offline application process
Here are the steps to apply for this scheme online.
Personally visit your district’s health department and collect the scheme form.
Fill out all of the required information on this form.
Attach all relevant papers to the form.
Submit this form to the Health Department.
You will then be able to apply for the Ayushman Bharat Mahatma Gandhi Swasthya Bima Yojana (Bhamashah Swasthya Bima Yojana Scheme).
FAQs
Who is eligible for Bhamashah Swasthya Bima Yojana?
Eligible beneficiaries include permanent residents of Rajasthan who have Aadhaar and Jan Aadhaar cards and are from economically low-income backgrounds.
How do I apply for Bhamashah Swasthya Bima Yojana?
You can apply online through the official website or visit your district’s health department to apply offline.