Mukhya Mantri Chiranjeevi Swasthya Bima Yojana
Since the COVID-19 outbreak in 2020, many people have been forced to give up their savings for the treatment of their families or for themselves. While the beds at the government hospitals were always occupied, many had to rush to the private hospitals at times of an emergency. It made a considerably large hole in the pockets of the middle-class Indians.
Recently, in view of the current situation, a health insurance scheme was launched by the name of 'Mukhyamantri Chiranjeevi Swasthya Bima Yojana' by the chief minister of Rajasthan, Ashok Gehlot. This state-operated scheme is supposed to offer cashless treatment to the residents of the state. Let's dive into details and learn about the different benefits this scheme is supposed to offer to the citizens of Rajasthan.
What is the Scheme?
The Mukhyamantri Chiranjeevi Swasthya Bima Yojana is one of the cheapest and most useful healthcare policies. It is launched to offer cashless annual insurance cover of up to Rs. 5 lakhs for all Rajasthan citizens who need to pay a premium of Rs 850 per family.
Launched about four months ago, the Mukhyamantri Chiranjeevi Swasthya Bima Yojana has already managed to offer its facilities to more than 1.2 lakhs people of Rajasthan. Besides that, according to recent reports, 80% of the total population of Rajasthan, which is 1.3 crore families, has already registered under this scheme.
Who can benefit from it?
This healthcare insurance scheme has been launched to offer quality treatment to specifically those families who belong to the BPL. The Mukhyamantri Chiranjeevi Swasthya Bima Yojana has been introduced for giving access to an affordable health scheme facility to the economically weaker sections of society. Each and every individual of the eligible families can avail this scheme through an easy application process.
However, here is the complete list stating who all can apply for this scheme:
● NFSA (National Food Security Act) Card Holders
● Contractual farmers
● SECC (Socio Economic Caste Census 2011) beneficiaries
● Marginal as well as small farmers
● Families belonging to COVID-19 ex-gratia list
● Samvida workers of all departments
● Jan Adhar Card Holder Families
Details About the Scheme
The Chief Minister of Rajasthan has launched this beneficiary scheme on 1st April 2021. The registration process for availing this scheme has started area-wise already. However, one can also register through the online portal of the Rajasthan state government.
Documents needed for the registration process:
● Aadhar Card
● Mobile number
● Passport size photograph
● Address Proof
● Ration Card
● Income certificate
● Bank Account statement
● BPL Certificate
Ways to register for this Scheme:
● By visiting the nearest camp:
● Through the official website of the State Government of Rajasthan:
Benefits offered by the Scheme:
● The beneficiaries are being provided with health insurance of Rs 5 lakhs, for which they need to pay a premium amount of Rs 850 per family on a yearly basis.
● Individuals registered under this scheme can avail treatment options from both private and government hospitals that are affiliated with this scheme.
● This is the first scheme of the Rajasthan State Government that offers the applicants cashless treatment from the hospitals enrolled under the scheme.
● The beneficiaries will be getting advantages for a total of 1576 medical tests and all kinds of treatments for different diseases, along with COVID and black fungus.
● The scheme is also supposed to cover the medical expenses for 5 days before the hospitalization of the patient, along with fifteen days of discharge.
What are the terms and conditions of the scheme?
● Applicants need to prove that s/he is a permanent resident of Rajasthan in order to avail different features offered by the scheme.
● The registration process is free only for NFSA cardholders belonging to the families included in the SECC 2011, contractual workers, and marginal farmers.
● The insurance will cover medical expenses up to Rs. 5 lakhs for the Rajasthan residents who need to pay a premium of Rs. 850 per family.
● This scheme has enlisted 756 government/public hospitals and more than 450 private ones for extending their services to the people registering for the scheme.
● The government has set up a call centre, which stays active 24x7 and handles all the complaints and issues faced with the scheme with utmost dedication and care.
● The state government has assigned Nodal officers at every zone to check whether the complaints are getting resolved instantly or not or to check whether the beneficiaries are getting all their due services from the enlisted hospitals.
● According to the state government's rule, no enlisted hospital under the scheme is allowed to charge a penny for the treatment of mucormycosis or COVID-19. Under any circumstances, if a hospital charges money for the treatment related to COVID-19 or black fungus, the complete amount will be refunded to the beneficiary immediately.