Bhamashah Swasthya Bima Yojana Scheme (BSBY): Objectives, application process and benefits

As per the 2011 Socio-Economic Census, 26.17% of Rajasthan’s population live on daily wages and don’t own a house. The availability of quality healthcare is one of the struggles these families face. The State Government introduced the Bhamashah Swasthya Bima Yojana to combat such issues. In this article, you will learn how to enrol under this scheme and get the benefits.

What is Bhamashah Swasthya Bima Yojana (BSBY)?

Bhamashah Swasthya Bima Yojana was a programme created by the State Government of Rajasthan and introduced on December 13, 2015, with a focus on the people of Rajasthan. Families eligible for benefits under the National Food Security Act (NFSA) and Rashtriya Swasthya Bima Yojana (RSBY) can sign up for the programme. The new name for Bhamashah Swasthya Bima Yojana Scheme is Ayushman Bharat Mahatma Gandhi Health Insurance Scheme. The scheme now includes the Socio-Economic Census families as well. This has increased the scope of the program.

This scheme offers cashless health insurance benefits that include coverage of up to Rs. 5 lakhs for regular medical treatment and Rs. 5 lakhs for life-threatening ailments to its beneficiaries. To receive the advantages of coverage, the families covered by the insurance on a floating basis must pay a set premium each year.

Benefits of Bhamashah Swasthya Bima Yojana Scheme

Benefits from the Bhamashah Yojana are credited directly to the account of the female head of the family. Here are detailed benefits that the scheme provides.

• The benefits are transferred directly, ensuring maximum transparency and reducing the likelihood of fund degradation allocated under the scheme.

• It pays out a reward of Rs. 2,000 in two instalments to qualified applicants.

• For women beneficiaries, the Bhamashah Card acts as a biometric identity verification that allows them to purchase rations from authorised PDS outlets.

• The programme also provides an extra 100 rupees for each family member in a home with an active Aadhaar Card.

• The Bhamashah Yojana scheme offers economically disadvantaged groups medical insurance for treatment and emergencies costing Rs. 5 lakh.

• The Bhamashah Yojana (Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana) has distributed about Rs. 2,600 crores to eligible scheme members. In addition, the Rajasthan State Government has also implemented several other comparable programmes, including the Bhamashah Rojgar Yojana and Bhamashah Swasthya Bima Yojana, to guarantee the state's continual development.

Objectives of Bhamashah Swasthya Bima Yojana Scheme

The main objective of this scheme is to provide insurance coverage to all eligible citizens of Rajasthan. It allows them to avail treatment at any government or private hospital. The citizens of Rajasthan can get medical treatment of up to Rs. 5 lakhs for free without worrying about their finances. Through this scheme, the people of Rajasthan can get access to quality healthcare.

Eligibility criteria for Bhamashah Swasthya Bima Yojana

Here is a list of people that can enrol under or get benefits from the Bhamashah Swasthya Bima Yojana.

• The beneficiary must be a permanent resident of Rajasthan.

• To take advantage of this scheme, the beneficiary must have an Aadhaar card and Jan Aadhaar card.

• Beneficiaries should be included in the Socio-Economic Survey 2011 eligible families of National Food Security.

• Beneficiaries should be from economically low-income families.

Bhamashah Swasthya Bima Yojana application process

Following are the two ways in which you can apply for the Bhamashah Swasthya Bima Yojana.

Bhamashah Swasthya Bima Yojana online application process 

Here are the steps to apply for this scheme online.

1. To begin, go to the Bhamashah Swasthya Bima Yojana Scheme's official website.

2. You must click the Apply Online option on the home page.

3. Following that, an application form will appear in front of you.

4. You must fill out all of the required information on this application form.

5. Following that, you must attach all relevant documents.

6. Then click the submit button.

Bhamashah Swasthya Bima Yojana offline application process 

Here are the steps to apply for this scheme online.

1. Personally visit your district's health department and collect the scheme form.

2. Fill out all of the required information on this form.

3. Attach all relevant papers to the form.

4. Submit this form to the Health Department.

5. You will then be able to apply for the Ayushman Bharat Mahatma Gandhi Swasthya Bima Yojana (Bhamashah Swasthya Bima Yojana Scheme).

Required documents

You will need the following documents to enrol for the Bhamashah Swasthya Bima Yojana.

1. Aadhar card

2. Jan Aadhar Card

3. Ration card

4. Income certificate

5. Proof of residence

6. Proof of age

7. Passport size photograph

8. Mobile number

How to download a Bhamashah Card

If you want to get a Bhamashah card, you must first register with the Rajasthan SSO portal. You can also download a Rajasthan Bhamashah e-card from any SSO centre. Here are the steps to download the Bhamashah Card.

1. Log in to your SSO account. You will see a Citizen App link on the left side.

2. When you select the Bhamashah option from the Citizen App, the Bhamashah e-card option will appear.

3. By selecting this option, you can easily download the Bhamashah card by entering all the necessary details.

Benefits of Bhamashah Card

All qualified candidates will be given Bhamashah Cards connected to the female beneficiary's bank account. The following advantages are offered to the beneficiaries and their family members.

1. Student education scholarships

2. Loan for starting a business

3. Helping women undergo professional training to begin a career.

4. Free surgeries and medical care available at government-approved institutions for some medical conditions

5. Bhamashah Card acts as an ID card necessary to get discounted or free rations. It also offers beneficiaries a variety of monetary advantages that are sent directly into bank accounts. Additionally, you can use the card for core banking services and biometric identification.

Contact Address

Nodal officer of the department

Name: Dr. Sushil Kumar Parmar

Jt.Dir (Gazetted)

Contact number: 0141-2225191

Toll-free number: 18001806127

Frequently asked questions

Here are some common questions and answers about the Bhamashah Swasthya Bima Yojana Scheme.

Are there any camps for Bhamashah Swasthya Bima Yojana Scheme enrollment?

Yes, for individuals interested in the Bhamashah Card Offline Enrollment, the government will set up two three-day camps at Gram Panchayats, as well as permanent centres at Raj Sampark Bharat Nirman Seva Kendra and Panchayat Samitis. You can visit these offices to complete the enrollment process offline.

What do secondary and tertiary diseases indicate in terms of Bhamashah Swasthya Bima Yojana?

In terms of Bhamashah Swasthya Bima Yojana, secondary diseases are ordinary health problems such as tooth extraction, fractures, tonsillectomy, and so on. Whereas, tertiary diseases are issues related to serious illnesses such as lung injury, Thyroplasty, Colonoscopy, etc.

How to check the eligibility of the Ayushman Bharat Mahatma Gandhi Health Insurance scheme?

Here are the steps to check the eligibility of this health insurance scheme.

• Visit the official Public Information website.

• Then click on the scheme eligibility link on the home page.

• Select Ayushman Bharat Mahatma Gandhi Health Insurance. Here You will see the eligibility criteria.

How to update my Bhamashah Card bank account details?

You can update the bank account details for your Bhamashah Card by visiting the scheme’s official website.

What are the coverages of the Bhamashah Swasthya Bima Yojana?

In addition to the expenses incurred during hospitalisation, the expenses from 7 days before admission, i.e. pre-hospitalisation and 15 days after discharge, i.e. post-hospitalisation are covered. 1,715 diseases are covered in this scheme. Additionally, more than 300 speciality treatments, including psychiatry, gastrology, nephrology, and neurology, are also included.

Source:

• https://secc.gov.in/getAllHhdSummaryStateReport.htm/08

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet, and is subject to changes.

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