Rashtriya Swasthya Bima Yojana, or RSBY, is an Indian health insurance program that primarily aims to give health benefits to families under the poverty line (BPL). The Indian government’s Ministry of Labor and Employment introduced this program. RSBY provides cashless hospitalization coverage up to ₹30,000 per family annually. Union territories and state governments carry out the plan’s implementation.
RSBY is a significant topic for the UPSC Exam, particularly in General Studies Paper 2 of the UPSC CSE Mains. It falls under the category of ‘Welfare Schemes for Vulnerable Sections’ and holds importance for both UPSC Prelims and Mains Exams. This comprehensive coverage will delve into the scheme’s objectives, intricacies, coverage, and associated issues.
The RSBY scheme is a National Health Insurance Programme administered by the Government of India. It endeavors to offer cashless insurance for hospitalization to those below the poverty line (BPL), encompassing both public and private hospitals. The Rashtriya Swasthya Bima Yojana commenced on April 1, 2008, under the purview of the Ministry of Labour and Employment. Subsequently, on April 1, 2015, it was transferred to the Ministry of Health and Family Welfare. As of February 2014, records indicate the enrollment of a total of 36 million families under the RSBY Scheme.
Aspect | Details |
---|---|
Launch of RSBY | The Rashtriya Swasthya Bima Yojana was launched on 1st April 2008 under the Ministry of Labour and Employment. Later, on 1st April 2015, the scheme was transferred to the Ministry of Health and Family Welfare (MoH&FW). |
Control Ministry of RSBY | The controlling ministry was the Ministry of Labour and Employment, but from 1st April 2015, the scheme came under the purview of the Ministry of Health and Family Welfare. |
Vision of RSBY | The vision of the government of India behind this insurance coverage scheme is as follows: -To improve access to quality health services to the vulnerable sections of society like people below the poverty line and people working in unorganized sectors like construction laborers and street vendors. -It seeks to provide Financial Assistance against fatal health issues to provide equitable health to all country citizens |
Candidates can find here the benefits of Rashtriya Swasthya Bima Yojana. Check the following benefits for Rashtriya Swasthya Bima Yojana:
The RSBY scheme stands out from other government initiatives in several ways:
The smart card serves multiple purposes, including beneficiary identification through photographs and fingerprints, as well as patient information storage. Its primary function is to facilitate cashless transactions at empanelled hospitals and ensure the portability of benefits nationwide. The authenticated smart card is provided to the beneficiary at the enrollment station itself.
The primary objectives of the Rashtriya Swasthya Bima Yojana are outlined below:
The eligibility criteria for individuals to apply for a health insurance scheme under RSBY are as follows:
The RSBY is now provided as Ayushman Bharat Yojana. The Senior Citizen Health Insurance Scheme has now subsumed RSBY under Ayushman Bharat Yojana.
The benefits of RSBY are: Better Coverage, Rs 30,000 insurance cover, All pre-existing diseases included and Hospitalisation charges included with Transportation cost.
Rashtriya Swasthya Bima Yojana is a Centrally Sponsored Insurance Cover provided to the vulnerable section of society i.e. people below poverty line (BPL).
A total amount of Rs 30,000 is assured under Rashtriya Swasthya Bima Yojana.
Rashtriya Swasthya Bima Yojana was launched on 1st April 2008.
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