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Rashtriya Swasthya Bima Yojana (RSBY)

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RSBY is a cashless Smart Card based health insurance scheme for BPL families in the unorganised sector launched in 2007-08 and became fully operational in April 2008. It provides health insurance cover of Rs. 30,000/- per annum for a family of five on a floater basis for specified hospitalization procedures covering all pre-existing diseases, hospitalization expenses, maternity benefit etc. The Scheme is available to all BPL population and eleven other categories of vulnerable population groups like MGNREGA workers, railway porters, construction workers etc. The premium under the scheme is borne by the Central and the State Government in the ratio of 75:25 (90:10 in case of J&K and NE States). The beneficiary pays Rs. 30 at the time of enrollment. The uniqueness of the scheme lies in the fact that it provides inter-operability throughout the country to facilitate use by migrant labour.

RSBY has made available state of the art health facility to the poorest of the poor who can choose between public and private health service provider. The ILO and UNDP have selected the scheme as one of the eighteen successful social protection floor schemes in the world. A number of delegations from countries like Bangladesh, Nigeria, Ghana, Vietnam, Cambodia, Nepal and Maldives have visited India to study the scheme and some have even taken a decision to implement a variant in their own country.

The Unorganized workers social Security Act, 2008 came into operation w.e.f 31 December 2008 and it encompasses ten social security schemes benefitting the unorganized workers including the RSBY.

In pursuance of a policy decision of the Government, the Labour and Employment Ministry who was hitherto handling the RSBY scheme transferred the same to the Ministry of Health and Family Welfare with effect from 1 April 2015.

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