Bhamashah Swasthiya Bima Yojana: Benefits, Eligibility & Health Insurance for Rajasthan’s Poor

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Bhamashah Swasthiya Bima Yojana: The government initiates various Yojana for the welfare of the people. The one-third population of Rajasthan are daily wage workers. The financial condition of such families is in a bad condition. It is difficult for such labour-class people to get two meals a day. They even struggle to get healthcare facilities. Thinking about the welfare of such families, the Rajasthan government introduced a healthcare scheme called Bhamashah Swasthya Bima Yojana in 2015. The yojana covers underprivileged people of Rajasthan. 

Objective of Bhamashah Swasthiya Bima Yojana

The prime objective of this yojana is to ensure the medical security of weaker sections of Society. Medical facilities are lacking in the rural and backward areas of Rajasthan. Though the scheme focuses on the welfare of all people of the state. It aims to uplift the health conditions of poor people and protect the entire family from poverty by providing proper insurance for medical conditions Insurance of up to five lakhs for free without any premiums is provided under this scheme. 

Cashless treatments for various medical issues are available under the scheme.  Such financially struggling families cannot bear the load of medical expenses. This Yojana provides healthcare facilities in both government and private hospitals. The BSBY covers all rural, underdeveloped areas of the state providing better medical conditions. Better health insurance at affordable prices improves the well-being of the people of the state.

Benefits of Bhamashah Swasthiya Bima Yojana

This health care Yojana gives a multitude of benefits to the residents of Rajasthan. The following are the welfare of the Bhamashah Swasthiya Bima Yojana provides-

• The insurance amount is directly transferred to the beneficiary account.
• It provides a cashless hospitalization facility to the eligible candidate.
• The medical help ranges from 30,000 to 3 lakhs in case of critical health issues.
• Both pre and post-hospitalisation expenses are available under the scheme. 7 days before hospitalisation and 15 days post hospitalisation.
• A transport allowance of Rs. 500 is provided under this scheme for heart and pulmonary patients.
• For OPD patients cashless treatment is provided.
• The yojana works on a Single-family Floater policy where each family member can enrol.
• The BSBY covers various other expenses like blood transfusion, bed facility, medicines, food expenses and doctor consultation fees while the patient is hospitalised.

What’s Covered	What’s Not Covered
Pre and Post-Hospitalization	– Non-members of NFSA and RSBY not covered – Medical expenses 7 days before hospitalization – Non-family members of the scheme not covered – 15 days of coverage after discharge
Transportation Allowance	– ₹100 – ₹500 transportation allowance for cardiac and polytrauma cases
Cashless Treatment	– Cashless facility for secondary and tertiary medical treatment – Coverage for OPD cases
Pre-Existing Ailments	– Coverage for most pre-existing conditions
Secures Against Critical Diseases	– ₹3 Lakhs coverage for critical ailments
Covers General Illnesses	– ₹30,000 coverage for general illnesses
Other Inclusions	– Cover for expenses such as nursing charges, room

Eligibility for Bhamashah Swasthiya Bima Yojana

There is a specific eligibility criteria for every Yojana. To get the benefits of Yojana, people have to meet certain criteria-

• The person should be a permanent resident of Rajasthan.
• The candidates must have an Aadhar card and a Jan Aadhar card.
• The beneficiaries must be from economically weaker sectors.
• BPL and NFS cardholders can be the beneficiaries of this scheme.

Documents required for Bhamashah Swasthiya Bima Yojana

The required documents for the Yojana are-

1. Aadhar Card
2. Jan Aadhar Card
3. Residence proof
4. Passport-size photo of the patient.
5. Discharge details of the patient.
6. Test reports are submitted along with the doctor’s prescription.
7. Ration Card
8. Proof of age

How to apply for Bhamshah Swasthiya Bima Yojana

Here are some easy steps to follow while registering for the scheme online-

Step 1- The beneficiaries must visit the official website of Bhamashah Swasthiya Bima Yojana.

Step 2- The home page appears,  click the online option.

Step 3-  Fill out the details on the Application form.

Step 4- Attach all the required documents.

Step 5- Then submit the form and make sure to have a copy of the form.

Here are some easy steps to follow while registering for the scheme offline-

Step 1- Visit the district health officer and collect the yojana form.

Step 2- fill out the form with proper details.

Step 3- Attach all the required documents with the form.

Step 4- After attaching details and documents, you can apply for BSBY.

Conclusion

The bottom line of this article is that Bhamashah Swasthiya Bima Yojana also called Ayushman Bharat Mahatma Gandhi Rajasthan Bima Yojana plays a vital role in enhancing better health conditions. People’s well-being is the deciding factor for the development of the state. Yojana along with medical insurance includes other expenses like medicines, lab tests, OPD and more. The people fighting critical diseases with no financial stability find this scheme as a reward. The Rajasthan government is working well to ensure better health conditions for the poor people.  Nearly a quarter of the population of Rajasthan is labour class and comes under the economically weaker section.