Bhamashah Swasthya Bima Yojana

Brief Objective

Bamashah Health Insurance Scheme has been started on December 13, 2015. Cashless health services are provided to eligible families under the scheme. These services are being provided in government hospitals as well as in private hospitals. The purpose of this scheme is to reduce the expenditure on the health of the people of the state.

Features

1. It is a scheme to provide cashless facilities to IPD patients.
2. For the identified families covered under National Food Security Act (NFSA) and Rashtriya Swasthya Bima Yojana (RSBY).
3. By the Government (Medical and Health Department).
4. Through an Insurance Company “New India Assurance Company”.
5. On a fixed premium per family per year on a floater basis.

Aims of the Scheme

1. To Hedge Govt. money.
2. To provide quality health care that avoids large out-of-pocket expenditure.
3. To provide financial security against illness.
4. To improve the health status of the State.
5. To create a database which could be used to make policy-level changes in Healthcare.
6. To bring a revolution in healthcare in rural areas – by providing stimulus to Private Sector to open hospitals in rural areas and reducing the increasing burden on Government facilities.

Eligibility

1. Families are included in National Food Security Scheme and National Health Insurance Scheme. 

Important Features

1. Every eligible family is being provided 30,000 rupees for general ailments every year and Rs. 3 lakhs for critical illnesses.
2. Additionally, for expenses incurred during hospitalisation, expenditure up to 7 days before and 15 days after the hospitalisation has also been included.
3. Mou has been signed with New India Insurance for Bhamashah Scheme.
4. In this plan, 1715 diseases have been included. New packages of more than 300 speciality treatments will also be added, including Nephrology, Gestrology, Neurology and Psychiatry.
5. Prior to Bhamashah Scheme, only medicines and checks were available in cash in the ongoing schemes, but now in the Bhamashah health insurance scheme all the checks, treatment, doctor's fees, operations etc. have been included. 

Source: Directorate of Economics and Statistics, Government of Rajasthan.