Rashtriya Swasthya Bima Yojana

By | May 6, 2016
(Last Updated On: May 6, 2016)

Health insurance

As per latest data report of National Sample Survey Office (NSSO) on Health and Morbidity known as “Social Consumption on Health” conducted during NSS 71st round                   (January, 2014 – June, 2014), percentage of persons having covered under any health insurance scheme is 14.1% in rural areas and 18.1% in urban areas.

As per information received from Insurance Regulatory and Development Authority of India (IRDAI), 28.80 crore persons were covered under health insurance policies provided by public sector & Private sector  during 2014-15 (including Government sponsored schemes like RSBY) which is 24% of India’s total population.

Rashtriya Swasthya Bima Yojana (RSBY) is a centrally sponsored scheme to provide health insurance to Below Poverty Line (BPL) families and 11 other defined categories of Unorganized Workers namely Building & Other Construction Workers, licensed Railway porters, Street Vendors, MGNREGA workers (who have worked for more than fifteen days during preceding financial year), Beedi workers, Domestic workers, Sanitation Workers, Mine Workers, Rickshaw pullers, Rag pickers and Auto/Taxi drivers.

Beneficiaries enrolled under RSBY are entitled for health insurance coverage of Rs. 30,000/- per annum to families (a unit of five) on floater basis in government empanelled hospitals (includes both private and public). Pre-existing conditions are covered from day one and there is no age limit. Transportation cost upto Rs. 100 is also provisioned under this scheme.

The list containing state-wise details of number of families enrolled and benefitted (hospitalised) is given below.

RSBY Scheme: Statewise Status for Financial year 2015-16
S.No. Statewise Total Active Cards No. of Hospitalisation
1 Assam 1421104 23783
2 Bihar 6888208 71351
3 Chhattisgarh 3442749 406781
4 Gujarat 1876628 40271
5 Haryana 437850 Data Not Available
6 Himachal pradesh 480588 31612
7 Jharkhand 1682894 13686
8 Karnataka 6747207 88571
9 Kerala 2021572 322377
10 Manipur 70925 1857
11 Meghalaya 179185 10726
12 Mizoram 152983 10733
13 Odisha 4462959 158178
14 Punjab 232352 1702
15 Rajasthan 2769097 13420
16 Tripura 492022 35021
17 Uttarakhand 285229 839
18 UttarPradesh 1464242 7461
19 West Bengal 6150716 358493
  Grand Total 41258510 1596862


The Finance Minister in his Budget Speech for 2016-17 on 29.02.2016 announced that “Government will launch a new health protection scheme which will provide health cover up to Rs. One lakh per family belonging to poor and economically weak families. For Senior Citizens of age 60 years and above, belonging to this category, an additional top-up package up to Rs. 30,000 will be provided.” Senior Citizens Health Scheme has been implemented w.e.f. 01.04.2016.

The scheme of convergence of RSBY with other schemes is yet to be approved.

The Health Minister, Shri J P Nadda stated this in a written reply in the Lok Sabha here today.

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