Rashtriya Swasthya Bima Yojana

Over the past few years, the government of India has taken multiple initiatives for the betterment of Indian citizens. However, major drawbacks of these programs have led to the collapse of this plan. In 2008, the Government of India’s Ministry of Labour and Employment department introduced the Rashtriya Swasthya Bima Yojana (RSBY). RSBY is a government initiative for BPL residents of India to safeguard their financial and medical needs.

The RSBY Scheme has been in force since the past few years. However, a majority of people are still unaware of its functionality. Before enrolling for the scheme, take a look at the basics of the RSBY for workers.

What is Rashtriya Swasthya Bima Yojana?

RSBY is a scheme sponsored by the government for the Below Poverty Line (BPL) families of India. The RSBY scheme works on two essential mottos:

  • To offer financial security against exorbitant medical expenses

  • To provide quality health care services to the BPL citizens of India

Under the RSBY Scheme, over 75% of financing is provided by the government, the rest of the percentage is funded by the state government. Ideally, the goal of the scheme is to supply health coverage to all residents of India. Employing the RSBY Scheme ensures the mitigation of health risks like disability, old age, maternity, and many others of every employee working in unorganized spaces.

Every individual under the BPL category must meet a set of requirements. Before enrolling for the scheme, one must understand the eligibility criteria. When you meet the eligibility criteria, you can register with ease. Read on to find out the eligibility criteria for the scheme.

Who is eligible?

  • Any individual who works in an unorganized sector is eligible to enroll for the Rashtriya Swasthya Bima Yojana policy. Additionally, those people registered under the welfare board can also register.

  • The Scheme is applicable for every worker under the BPL category, irrespective of their age. The RSBY has no cap on the age limit of an individual.

  • Over 5 members of any family can avail the benefits of the RSBY Scheme. Moreover, at least one-third of the entire Indian population is eligible to apply for the scheme.

  • The RSBY scheme is open for all the citizens, who are the eligible members.

Since the scheme works towards the betterment of people, it offers multiple benefits. Given below are the top five benefits of RSBY to the Indian residents who are eligible to enroll. Take a look below:

Benefits of Rashtriya Swasthya Bima Yojana

  • It offers the beneficiaries with cashless benefits on enrolling under the scheme. The beneficiary is liable to pay only Rs.30 during the registration process.

  • It provides the families with a sum assured amount of Rs. 30 Lakhs.

  • It covers all pre-existing illnesses or diseases.

  • It manages additional charges like hospitalization as well as ambulance charges.

  • It allows the selection of private and public hospitals.

Another significant benefit provided by the RSBY Plan is the provision of coverage to all the eligible applicants. Here’s a closer look at the health insurance coverage offered by the RSBY Scheme to the beneficiaries. Take a look below.

Insurance coverage in RSBY

The RSBY Plan provides coverage of over Rs. 30,00,000 to the BPL Indian residents. However, an individual can obtain the premiums for uninterrupted financial support in the long run. Under the RSBY Schemes, an individual is charged with a premium of Rs. 750. Here’s a quick glance through the list of premiums levied by the scheme before applying for the plan:




Residents falling under the Above Poverty Line (APL) category receive the entire premium

An employee working under construction gets the whole premium

While the Central Government shared 75% of the premium, the remaining 25% is divided between the State Government

Knowing the features of the RSBY Scheme helps an individual to make informed decisions in the future. Hence, go through these essential features of the plan mentioned below.

Features of RSBY

  • Multiple networks of hospitals

Every individual can the RSBY card across any hospital in India. Moreover, you have the freedom to select between public hospitals or empanelled private hospitals.

  • Cashless claim settlement

Under RSBY Schemes, one doesn’t have to worry about reimbursements. On obtaining the card, one can avail the cashless benefit across any authorized hospitals.

  • IT security

The IT applications under the RSBY Plan are utilized for social sector scheme at large. Moreover, these applications are either secured using fingerprints or photographs.

  • Paperless procedure

The RSBY Plan does not involve heavy documentation. The insurer collects the relevant paperwork online. Additionally, the payment is made by the insurer electronically.

To sum up, the RSBY Plan is built on the firm foundation of affordable hospitalization and quality services. Its utility and functionality serve the customers with the best. The uniqueness of the RSVP Scheme attracts a majority of workers towards it.

Also read about Ayushman Bharat Yojana - PMJAY Scheme which expanded on several aspects of RSBY’s PPP (public-private partnerships) model. This programme is a health care initiative undertaken by the Government to provide quality medical facilities to lower income groups residing in our country. In order to enrol for such beneficial government health schemes, you should properly understand the Ayushman Bharat registration process. 

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