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Health Insurance 2941 views November 13, 2019
The government, over the last few years, has taken more responsibility towards extending the healthcare facilities towards all the sections of the society. Even people who belong to the unorganised worker’s category and live under the poverty line can now avail of the best health insurance services, thanks to the Rashtriya Swasthya Bima Yojana (RSBY). The service was launched in the year 2008 by the Ministry of Labour and Employment. This is an important medical insurance service as everyone deserves to live a healthy and illness-free life. The RSBY also brings about awareness about health care to the remotest of areas, something that is again very crucial for the overall wellbeing of the nation.
Table of Contents
Let us begin this article by looking at the health insurance coverages that are available to the poor people under the Rashtriya Swasthya Bima Yojana:
Wide Network of Hospitals – There is a large number of hospitals that are enrolled under the Rashtriya Swasthya Bima Yojana. Almost all the public hospitals in the country honour the RSBY card. Some private hospitals also allow treatment under this health insurance scheme. This has made it easy for everyone to find a good health care facility close to their location to get the treatment they need. Previously, many people would find it difficult to find hospitals nearby where they could seek treatment. With a wide network now, it has become easier for them.
Very Safe – The people enrolled under the RSBY are issued smart cards. Every cardholder has to undergo a biometric evaluation with photographs and fingerprints. The hospitals at which they get treated, use the biometric database to honour their insurance claims. This makes it safe and free from fraudulent claims. In the past, people would stay away from government health schemes because of the complicated documentation process. But this simplified process now makes it easier for everyone to seek treatment.
Use of Smart Card – As mentioned above, every RSBY health insurance scheme member is issued a smart card. They can simply walk into a listed hospital, get the healthcare needs addressed and produce their smart cards when leaving. This makes it easy and less intimidating for the rural or uneducated people to avail this health insurance service. The smart card is also easy to use and easy to keep safe. They do not have to worry about losing important documents; just taking care of this one card is more than enough.
Cashless Health Insurance – No cash payments are needed – only producing the smart card takes care of the health care bills. This makes the process simple and hassle-free for the people who are enrolled under this health insurance scheme. For some people, even furnishing a mere sun of Rs 50 can be taxing. This is why the complete cashless feature is highly praiseworthy.
No Documentation – There are no documents involved in the RSBY. The smart card is the only document needed. This makes it easier for the hospital to offer the health care services and for the scheme holder to make use of them. People often falter when they are asked to arrange for and submit file loads of documents. This becomes especially difficult for the poor and uneducated people. The lack of documentation, therefore, is of great use to all these people.
These are indeed some very praiseworthy health insurance coverages that the government offers under the RSBY. It helps a lot of people to get the health care facilities they need, something that was a distant dream even a few years back.
Here is a list of the people who can get an RSBY card and use the health insurance facilities on offer:
Anyone who earns a living out of any of the above-mentioned work can get benefitted by the Rashtriya Swasthya Bima Yojana. A healthcare card needs to be made under this health insurance scheme.
Listed below are the features of the health insurance cover provided under the Rashtriya Swasthya Bima Yojana. Take a look and see just how beneficial they are to the poorest sections of our society:
As you can clearly see from the points mentioned above, the Rashtriya Swasthya Bima Yojana has some very good and thoughtful features included in it. The people for whom the scheme is made are actually benefiting quite a lot from it.
In a Nutshell
To put it in a nutshell, the Rashtriya Swasthya Bima Yojana is an excellent health insurance scheme offered to the lesser privileged Indians. It is an important scheme as many poor people are deprived of the health care needs that are basic to humans. With the introduction of this excellent health insurance initiative, many people are now getting to avail the treatment they need.