Bhamashah Swasthya Bima Yojana

Bhamashah Swasthya Bima Yojana, The government of Rajasthan has introduced the scheme of Bhamashah Yojana which aimed at transferring the financial and non-financial benefits of government schemes directly in the hand of the recipient in a transparent and clear way. Bhamashah Yojana was inaugurated by Vasundhara Raje Sindhia on 15th August 2014.

Bhamashah Swasthya Bima Yojana

Bhamashah Swasthya Bima Yojana

And on 03rd September 2015 the Medical and Health department of Rajasthan has signed a memorandum of understanding with the New India Assurance Company in the presence of the then chief minister Vansudhara Raje Sindhia and this is how the bhamashah swasthya bima yojana come into force. Rajasthan has become the third state in India to launch bhamashah swasthya bima yojana following the trail of Tamil Nadu and Maharashtra. The schemes aims at providing cashless treatment to 4.5 crore people of the state in all private hospitals.

The scheme is formulated with a view to allow the people of state to have an access to quality healthcare facilities at the time of their requirements without even worrying about the payment for such services. The poor population of the state will be greatly benefited by the scheme as they will have access to enhanced facilities that were out of their reach before the launch of scheme.

The scheme has also its focus on opening new healthcare units in the rural and distant areas of the state. The new private health care units will ease the pressure of state run hospitals.Further it will allow the state government to create a health database that will be handy while policy formulations with regard to health and medical facilities. The need of the time is also that the medical professionals will follow their oath religiously for the success of the scheme.

The yojana aims at providing quality health care services to all the citizens of state as they deserve the best of the services when it comes to health. The chief minister has also cleared that yojana forms part of the Arogya Rajasthan campaign and the government will be issuing E-Health card to every citizen of the state that will not only streamline the healthcare services in the state but will also allow the citizen to have quick and hassle free services.

Bhamashah Swasthya Bima Yojana

The yojana will cover a total of 1718 diseases and is the highest number covered by any other state or central yojana also the insurance cover offered in the scheme is highest as compared to any other yojana prevailing in any other state of India.

The benefits of the yojana can be availed by all the families covered in the RSBY and NFSA. And if we talk about the main features of the scheme its primary objective is to improve the health indicators of the state. The yojana offered reduction in additional health expenses while offering financial cover to the people of state against many diseases.

Insurance as a solution will also reduce the risk of surplus expenditure. It will also squash the government’s vision maximum governance and minimum involvement of government. It is sighted as a revolutionary decision in rural health care and will also encourage the private sector to actively participate in the government schemes.

Bhamashah Swasthya Bima Yojana

The yojana aimed at providing tremendous benefits to the people of the state or card holder. The government has designed software that will allow in-house processing and will also standardise the grading process of the hospitals and keep the whole working transparent. The medical protocols to be followed in the yojana are well defined and verified before implementation.

In order to monitor the role of government officials in their respective districts the mobile surveillance is in the place. Further to prevent the cascading cost and its leakage the yojana has removed the role of TPA significantly. The yojana will allow and provide the poor population of the state to have an access to the private institutions and better health facilities. And above all the benefits are cashless which will significantly mitigate the chances of corruption.

Bhamashah Swasthya Bima Yojana

The yojana offers an insurance cover of Rs.30, 000 for general disease and a cover of Rs. 3.00 lacs for all major and critical illness and will be given to a family on floater basis. The scheme covers 7 days pre hospitalization and 15 days post hospitalization expenses of the patient. It will also cover the transport allowances up to Rs 100 to 500 in case of cardiac and polytrauma.

Bhamashah Swasthya Bima Yojana

The yojana is expected to reduce the out of pocket expenses and provide financial security to the under privilegedpopulation of the state against illness and chronic diseases. It will also allow the government to identify the loop holes in the health system of the state. It is looked upon as the milestone achievement of the Raje government and will be an inspiration for other states if the yojana is able to provide the desired results.

Bhamashah Swasthya Bima Yojana Training Manual

चिकित्सा एवं स्वास्थ्य विभाग राजस्थान सरकार

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