Rashtriya Swasthya Bima Yojana

Rashtriya Swasthya Bima Yojana: Features, Benefits, Eligibility,

Rashtriya Swasthya Bima Yojana: The Rashtriya Swasthya Bima Yojana, or RSBY plan, is an Indian government-run national health insurance program. The goal of this initiative is to provide cashless insurance for hospital stays in both public and private facilities to the BPL population. Beginning on April 1, 2008, the Ministry of Labor and Employment launched the Rashtriya Swasthya Bima Yojana. It became a part of the Ministry of Health and Family Welfare on April 1, 2015.

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Features of Rashtriya Swasthya Bima Yojana

Rashtriya Swasthya Bima Yojana: Rashtriya Swasthya Bima Yojana’s characteristics
The RSBY program differs from other government initiatives in a number of respects, such as:

  • With the use of extensive IT applications, each beneficiary household under the RSBY Scheme receives a biometric smart card, also known as a swasthya card. This Swasthya card has their fingerprints and photographs on it. Participating hospitals in the RSBY initiative have IT capabilities and are connected to the district server.
  • Encouraging BPL households to choose between public and private hospitals gives the beneficiary more authority.
  • One of the primary features of the district-specific Rashtriya Swasthya Bima Yojana Scheme (RSBY) is that the beneficiary, regardless of state, can use their smart card in any hospital that has been approved by the scheme.
  • Because it makes use of a smart card with biometric capabilities and a key management system, the RSBY method is safe and secure. The key management of RSBY

Benefits of Rashtriya Swasthya Bima Yojana

  • The family floater insurance coverage offered by this program provides up to Rs. 30,000 in coverage each year for a maximum of five family members, including the head of the household, their spouse, and up to three dependents.
  • The beneficiaries receive a smart card, also known as a Swasthya card with biometric capabilities.
  • The Central Government of India pays 75% of the predicted annual premium and 90% of the planned annual contribution for J&K and the Northeastern states.
  • The state governments pay 10% of the premium in the case of J&K and the Northeastern states, and 25% of the overall annual premium.
  • It provides cashless insurance coverage for all hospital stays and medical procedures.
  • They offer five days of post-hospitalization, one day of pre-hospitalization, and transportation allowances.
Rashtriya Swasthya Bima Yojana

Inclusions & Exclusions of Rashtriya Swasthya Bima Yojana


Covered under the Rashtriya Swasthya Bima Yojana are the following expenses:

  • Pre-hospitalization refers to any diagnostic procedures carried out up to a day prior to hospital admission.
  • Post-hospitalization: Surgical or medical expenses will be paid for a maximum of five days after the date of release.
  • Hospitalization includes the cost of the anesthetist, general ward bed charges, board fees, consultation fees, physician visits, expenditures related to the use of surgical instruments, and patient meals. It also pays for OT expenses, prescription drugs, nursing care, oxygen, X-rays, and diagnostic testing.
  • Benefits for expectant moms include coverage for vaginal birth, cesarean birth, and any complications prior to either. For a Cesarean delivery, the policyholder may file a claim for up to Rs. 4,500, and for a normal birth, up to Rs. 2,500.


Excluded from the Rashtriya Swasthya Bima Yojana scheme are the following costs: AYUSH therapies; external congenital illnesses; vitamins or tonics unless prescribed by a licensed physician; primarily aesthetic or restorative dental procedures; illnesses resulting from substance addiction; assisted conception, or subfertility; hormone replacement therapy; physical modifications to avoid looking like the other sex; and vaccinations, plastic or cosmetic surgery, unless necessary due to an accident or medical condition. Additionally, it does away with prenatal care bills, postpartum hospital stays or related procedures, and voluntary pregnancies.

Eligibility Criteria for Rashtriya Swasthya Bima Yojana

The goal of the Rashtriya Swasthya Bima Yojana is to offer health services to the nation’s impoverished citizens. Beneficiaries will be unorganized sector workers who meet BPL eligibility requirements and their families (a family unit of five). Verifying the eligibility of the unorganized sector workers and their families is a step in the process.

Enrollment & Registration Process for Rashtriya Swasthya Bima Yojana

Insurance firms approved to offer the RSBY program will release a schedule for village-level enrollment. Furthermore, the schedule will be accessible at all potential government centers before the enrollment procedure begins.

Members of the BPL list are welcome to stop by the enrollment centers during the times and days listed in the schedule. The registration center also offers the option to print RSBY Cards. A designated recipient can receive the Swasthya Bima card in less than ten minutes after completing the RSBY registration process.

The RSBY card status is operative shortly after registration. The smart card will hold the biometric information and the RSBY customer service number. A list of Rashtriya Swasthya Bima Yojana hospitals will also be accessible.

Rashtriya Swasthya Bima Yojana

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RSBY Card Details (Swasthya Bima Card)

The Wasthya Bima Card, also known as the RSBY Card, is crucial because it enables cashless purchases at network hospitals. The insured can also benefit from portability within India by downloading an RSBY card or using a smart card. A smart card can also be utilized for other purposes, such as patient data and beneficiary identification using images, fingerprints, and other features. In the event that the biometric data is not successful, identification can still be obtained using the picture on the RSBY card. At the enrolling station, the beneficiary will receive the smart card.

Steps for RSBY Card & Check Online

The following are the methods to verify the status of your Rashtriya Swasthya Bima Yojana Smart Card online:

Step1: Go to the RSBY website first, then select “Scheme Status.”

Step2: Next, select your state by clicking on the list under “Scheme Status.”

Step3: Select your state by clicking on “Track your State”.

Step4: Once you’ve done that, the state of your

Rashtriya Swasthya Bima Yojana Claim Process

Claim Procedure for the Rashtriya Swasthya Bima Yojana
Most RSBY claims are submitted without cash. A beneficiary of this coverage must show the RSBY card at the hospital. Hospitals alone are qualified to settle cashless claims. The Third Party Administrator or the insurance company will receive the necessary data from the hospital. The hospital and the insurance company/TPA will settle the claim following the verification process. There is no requirement for papers.

Rashtriya Swasthya Bima Yojana Smart Card

The Rashtriya Swasthya Bima Yojana Smart Card (RSBY) serves multiple functions, including capturing patient information and authenticating recipients’ identities through fingerprint and photo capture. The ability of the smart card to transfer incentives throughout the country and undertake cashless transactions at approved hospitals, however, is its most important feature. The beneficiary will receive the confirmed smart card right away at the enrollment station.

The goal of this program is to provide cashless insurance for hospitalization in both public and private hospitals to the BPL population. Nearly one-third of Indians receive benefits from the Rashtriya Swasthya Bima Yojana. However, health insurance is also a necessary for two-thirds of Indians. Consequently, in the event that you are ineligible for government-sponsored initiatives, you need to select a health insurance plan that offers the

Rashtriya Swasthya Bima Yojana

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Q: Where can I get the RSBY enrollment documents?

Ans: The forms can be downloaded from the state government website or obtained at the enrolling center.

Q: Whose biometric information is required in order to get the smart card?

Ans: Whose biometric information is required in order to get the smart card?

Q: Why are beneficiaries of the initiative being funded by the government being charged Rs. 30?

Ans: Beneficiaries only need to pay a registration fee of Rs. 30 to help the Nodal agency cover its administrative costs. State and federal governments are required to pay the entire actual amount for the coverage, nevertheless.

Q: What is the youngest age at which dependent children are eligible for RSBY coverage?

Ans: The policyholder’s children are not subject to age restrictions under RSBY. In the event that a family has more than two children, the policyholder must select which children will be covered by the plan.

Q: What kind of endorsements for smart cards are permitted during the policy period?

Ans: Family members cannot be added or deleted during the policy term unless there is a death or delivery. Likewise, the addition of a new beneficiary may only take place in the event of the beneficiary’s passing.

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