3. Before 11th five
year plan health
insurance was
only available to Only 16%
population
government covered
employees
organised sector
private health
insurance
RSBY started rolling from 1st April 2008.
4. WHAT IS RSBY
‘cash-less’
smart card based
health insurance
cover of Rs
30,000 per
annum
each enrolled
family, comprisin
g up to five
individuals.
5. BENEFICIARIES
Originally limited to Below Poverty
Line (BPL) families
building and other construction workers,
MGNREGA beneficiaries, street
vendors, beedi workers, and domestic
workers.
Registration/renewal fee – Rs 30/annum per family
Premium – centre and state in 75:25 ratio.
6. INSURERS HOSPITALS INTERMEDIARIES GOVERNMENT
BUSINESS
MODEL FOR
ALL STAKE
HOLDERS
INFORMATION SAFE AND
TECHNOLOGY
INTENSIVE FOOLPROOF
PUBLIC UNIQUE
HOSPITALS FEATURES
EMPOWERING
THE PORTABILITY
BENEFICIARY
PRIVATE
HOSPITALS ROBUST
CASH LESS AND
MONITORING
PAPER LESS
AND TRANSACTIONS
EVALUATION
7. SHORTCOMINGS
• Unnecessary treatment
• lack of coverage for primary health and out patient
care
• upward escalation towards the secondary level of
patients
• does not take into account state specific variations in
disease profiles and health needs
Intensified Information, Education & Communication
(IEC) activities
Coverage of all the beneficiaries