Bhamashah Swasthya Bima Yojana (BSBY)

Bhamashah Swasthya Bima Yojana

Launched by the government of Rajasthan, Bhamashah Swasthya Bima Yojana (BSBY) is a cashless health scheme for In-Patient Department (IPD) patients. The BSBY scheme is specifically open to the residents of Rajasthan and families registered under the National Food Security Act (NFSA), 2013, and Rashtriya Swasthya Bima Yojana (RSBY). The beneficiaries of the Bhamashah Health Insurance Scheme can avail coverage of up to ₹30,000 for general ailments and a cover of ₹3 Lakhs for critical illnesses. However, families covered under the BSBY scheme on a floater basis need to pay a set premium yearly to continue the insurance cover.

Features & Benefits of Bhamashah Swasthya Bima Yojana

Key Features of the BSBY Scheme

• Hospitalisation Costs

The Bhamashah Health Insurance Scheme covers all the hospitalisation expenses incurred by the beneficiary.

• Insurance Coverage

Insurance coverage of up to ₹30,000 is offered for general illnesses and ₹3 Lakhs for critical ailments under the BSBY scheme.

• No Age Cap

The health policy has no upper or a lower age limit applicable to avail insurance benefits under the scheme.

• Wide Chain of Network Hospitals

Beneficiaries can opt for treatment at private and government hospitals.

• Pre & Post-Hospitalisation Cost

The expenses incurred on pre and post-hospitalisation are included in the policy to offer complete coverage!

• Bhamashah Card

The policyholders of the BSBY scheme can avail the healthcare benefits with a Bhamashah card issued by the Government of Rajasthan.

Coverage under the Bhamashah Yojana

• Pre-Hospitalisation

Expenses covered up to 7 days before getting admitted.

• Post-Hospitalisation

Expenses covered up to 15 days after getting discharged.

• Coverage for General Ailments

Insurance cover of up to ₹30,000.

• Coverage for Critical Diseases

Insurance cover of up to ₹3 Lakhs.

Treatment Packages under BSBY Scheme

• Government Package: 170

• General Illness Package: 1,045

• Critical Illness Package: 500

What’s Covered under BSBY?

Here are some key inclusions of the Bhamashah Swasthya Bima Yojana:

• Pre and Post-Hospitalisation Expenses

The BSBY health scheme covers the expenses incurred for 7 days before getting hospitalised and 15 days after getting discharged. So, you can rest assured as the cost of medical check-ups, follow-ups, diagnostic tests, etc. are covered!

• Transportation Allowance

For cardiac and polytrauma cases, the health plan offers a transportation allowance of ₹100 - ₹500.

• Cashless Treatment

The policyholders can avail a cashless facility for secondary and tertiary medical treatment. Furthermore, the BSBY scheme also ensures coverage in the event of OPD cases.

• Pre-Existing Ailments

If you suffer from any illnesses or health conditions, don’t worry because the Bhamashah Swasthya Bima Yojana provides coverage for pre-existing conditions as well.

• Secures Against Critical Diseases

As you may know, the BSBY health scheme provides a coverage of ₹3 Lakh in case you are diagnosed with a critical ailment.

• Covers General Illnesses

You can get an insurance cover of ₹30,000 for general illnesses under the Bhamashah Health Insurance Scheme.

• Treatment Packages

The health plan has a number of treatment packages covered under the scheme. The packages shall also include expenses such as nursing charges, medications, blood, room rent, food for the hospitalised beneficiary, consultation fees, etc.

What’s Not Covered Under BSBY

Let’s understand the exclusions of the Bhamashah Swasthya Bima Yojana:

• The individual must be covered under the National Food Security Act (NFSA), 2013, and Rashtriya Swasthya Bima Yojana (RSBY) to register for the BSBY.

• Only the family members of the beneficiary can avail insurance coverage under the policy.

How to Apply Under Bhamashah Swasthya Bima Yojana

To apply for the Bhamashah Swasthya Bima Yojana, there is only an offline process available. Currently, no online application process has been launched by the Rajasthan Government. So, here’s how you can proceed with the enrolment for the BSBY:

• The applicants for the Bhamashah Health Insurance Scheme should visit the nearest network hospital.

• As every network hospital shall have an individual appointed for the BSBY application process, the applicants can take their help.

• The applicant must duly fill and sign the application form and submit the required documents to be registered under the health policy.

Bhamashah Card

You can avail the healthcare benefits available under the Bhamashah Swasthya Bima Yojana with the Bhamashah card. It is issued in the name of the eldest female member of the family; the government shall open a bank account in the beneficiary’s name. This enables the female member of the family to get direct access to the grants offered by the government under the health plan.

The Bhamashah card is linked with the beneficiary’s mobile number so that they can receive updates via SMS. Once all the family members have been registered under the BSBY scheme, the card will be issued within 2-3 months and the policyholder shall be notified through SMS.

How to Download the Bhamashah Card

To download the Bhamashah card online, you must register yourself at the Rajasthan SSO website. Here are the steps you need to follow:

Step 1: Go to the Rajasthan SSO portal and register yourself (https://sso.rajasthan.gov.in/register)

Step 2: Click on ‘Citizen’ and choose a suitable registration option from Bhamashah ID, Aadhaar ID, Google, etc.

Step 3: Now, you might be required to provide your personal details such as your name, mobile number, email ID, etc.

Step 4: After registration, log in to your account by entering the SSOID and password.

Step 5: Click on the ‘Bhamashah Yojana’ option present on the page.

Step 6: Click on the ‘Enrolment’ option and then the ‘E-Card Citizen’ option.

Step 7: After providing the required details, you can easily download the Bhamashah card online.

Eligibility Criteria for Bhamashah Card

Here are some important criteria that need to be met for a Bhamashah card:

• The applicant should be a resident of Rajasthan.

• The applicant must be a BPL (Below Poverty Line) cardholder to be eligible for the BSBY scheme.

• The individual should have a bank account opened under the Bhamashah Swasthya Bima Yojana.

• The Bhamashah card is only valid in the state of Rajasthan.

Activation Process for Bhamashah Card

Follow these steps for the Bhamashah card activation process:

Step 1: Register yourself under the Bhamashah Swasthya Bima Scheme.

Step 2: Click on the ‘Bhamashah Citizen Enrolment’ option after a successful registration.

Step 3: Enter the registration number and fill in the required details in the ‘Bhamashah citizen enrolment form’.

Step 4: Proceed by clicking on ‘Submit’ and note down the receipt number for future use.

How to Update Bhamashah Card Bank Account

Through your eMitra account, you can easily update your Bhamashah card bank account:

Step 1: Log in to your eMitra account and click on the ‘Bank Details’ option.

Step 2: Enter your Bhamashah receipt number and your existing bank account details shall be visible on the page.

Step 3: Proceed to make the required changes to your bank account details and update them!

How to Edit the Bhamashah Card Online

If you need to make any changes to your Bhamashah card and edit the details, here’s how you can do it:

Step 1: Go to the Rajasthan SSO portal (https://sso.rajasthan.gov.in/register)

Step 2: Log in using your SSOID and password.

Step 3: Choose the ‘Edit’ option present on the screen.

Step 4: Make the required changes and click on ‘Save’.

How to Make a Claim Under Bhamashah Swasthya Bima Yojana

As the Bhamashah Swasthya Bima Yojana is a cashless health scheme, the healthcare expenses incurred shall be directly settled by the insurance provider. In the event of a medical emergency or planned treatment, you must take your Bhamashah card and ID proof to a network hospital. After the insurer authorises the cashless treatment, the policyholder can seek medical care. The hospital shall send the hospitalisation bills and receipts to the insurance company and the claim shall be directly settled.

Documents Required for BSBY Claim

You can keep the following documents ready while raising a claim under the Bhamashah Health Insurance Scheme:

• Valid photo ID of the patient

• Valid Bhamashah card or copy of ration card

• Doctor's prescription

• Patient's photograph at the time of admission

• Indoor slip

• Copy of investigation reports

• Discharge ticket

Customer Helpline Number & Contact Details

For any BSBY scheme-related queries, you can contact the following people:

• Dr. Vikram Singh, Consultant: Email ID - bsbyraj@yahoo.com, Contact No. - 9529963867

• Ms. Aachu Agrawal, Programme Officer, BSBY: Email ID - bsbyraj@yahoo.com, Contact No. - 8764848541

• Sh. M.P Jain, SNO(M), BSBY: Email ID - bsbyraj@yahoo.com, Contact No. - 9414057269

• Sh. Buddhi Vardhan, Programme Officer: Email ID - bsbyraj@yahoo.com, Contact No. - 8146545515

• Ms. Priyanka Kapoor, SNO(P), BSBY: Email ID - bsbyraj@yahoo.com, Contact No. - 9414063905

For any BSBY claim-related queries, you can reach out to:

Manager, Jaipur Regional Office, The New India Assurance Agency, Ph.0141-2643842

Helpline No. NIA Office (BSBY) Jaipur Regional Office, The New India Assurance Agency, 0141-2609947

Contact No. - 0141-2609838, 0141-2617965

Email ID - bsbynia@gmail.com

Conclusion

The Bhamashah Swasthya Bima Yojana is a financial backup for individuals who come from an economically weaker background. With the cashless facility available under the plan, the policyholders can easily seek healthcare treatment without any worries! But as the BSBY scheme is only for the residents of Rajasthan who belong to the BPL category, some people might not be eligible for the health plan.

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