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New stage of health insurance scheme launched in Rajasthan, to cover 1.1 crore families

The insurance cover to the beneficiaries has been increased to Rs. 5 lakh from Rs. 3.30 lakh per family.

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Jaipur: Rajasthan Chief Minister Shri Ashok Gehlot on January 30 launched the new phase of Ayushman Bharat Mahatma Gandhi Swasthya Bima Yojana from his official residence.

The insurance cover to the beneficiaries has been increased to Rs. 5 lakh from Rs. 3.30 lakh per family. The packages for the free treatment of various diseases in this scheme have been increased from 1,401 to 1,576. This scheme will benefit about 1.1 crore families of Rajsathan.

While addressing the function, which was held through video conference and telecast live on social media platforms and TV channels, Gehlot said that good health to people of state was top priority of his government.

He said that after the free medicine and free diagnostic schemes and Nirogi Rajasthan campaign, now it has been ensured to provide better treatment to poor and deprived class of people through this health insurance scheme.

Gehlot said that this scheme would be a big investment and it was prepared after studying the flaws and features of various health insurance schemes in other States including Ayushman Bharat Swasthya Bima Yojana offered by the Union Government.

He said that the state government, along with the families selected by the Centre under Socio Economic Community Census (SECC) in Ayushman Bharat Scheme, has provided insurance cover in this scheme to families of National Food Security Scheme beneficiaries.

Gehlot said that the state government would bear 100 per cent of the premium of NFSA beneficiaries and the Centre would pay 60 per cent of the premium pre-fixed by the Union Government, which is Rs. 1,052 per family, that too only for the families under the SECC category. In Rajasthan, the actual premium amount paid would be Rs. 1,662 per family.
Thus, the state government had to pay the difference of the total of pre-fixed premium of Rs. 1,052 and the actual premium of Rs. 1,662 for the SECC category beneficiaries as well.

The CM stated that this would result into the total annual premium for this scheme to be around Rs 1800 crore, of which the Rajasthan Government would spend Rs. 1400 crore and the Centre would pay merely Rs. 400 crore. He demanded that the Centre should pay the 60 per cent of the actual premium amount instead of the pre-fixed premium for all the beneficiaries of Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana in the state.

The Chief Minister said that a special arrangement has been made to stop irregularities in the scheme. In the software of the scheme, a system has been made to send automatic alerts in case of hospitals or insurance companies taking wrong benefit by making a mess. A state anti-fraud unit has also been formed, which will ensure that strict action is taken against the hospitals on submitting wrong claims.

The process of selecting private hospitals has been made better in this scheme. The admission process has been made easy so as to provide immediate treatment on patients reaching the hospital. A TPA arrangement has been made to help the hospital and insurance company. Swasthya Margdarshak (Health Guide) and Swasthya Mitras would also be available to help the patients at hospitals.

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