Rajasthan Gehlot government to launch health scheme by combining Ayushman Bharat, Bhamashah schemes :

• The Ashok Gehlot-led government has decided to name the new venture as Ayushman Bharat Mahatma Gandhi Rajasthan Health Insurance scheme.
• The government has decided to implement the scheme in Rajasthan from September 1, 2019.
• This work will be implemented in Rajasthan under this name from September 1. Around 1,10,00000 families will benefit.
• According to an official statement, the chief minister said with the implementation of this scheme, the number of beneficiaries would increase from 1 crore to 1.10 crore with the coverage of more ailments.
• CM Ashok Gehlot also stressed that the state government was committed to ensure the right to health for the common man and the decision was a step in this direction.
• The complaints of irregularities with regard to the state scheme would be addressed in the plan.
• For this, along with a better use of technology, provisions for stringent action will be proposed against the guilty persons, including those working at hospitals and with the insurance company.

Ayushman Bharat Yojana :

Ayushman Bharat Yojana  or Pradhan Mantri Jan Arogya Yojana (PMJAY) or National Health Protection Scheme is a centrally sponsored scheme launched in 2018, under the Ayushman Bharat Mission of MoHFW in India. The scheme aims at making interventions in primary, secondary and tertiary care systems, covering both preventive and promotive health, to address healthcare holistically. It is an umbrella of two major health initiatives namely, Health and Wellness centres and National Health Protection Scheme (NHPS). The National Health Protection Scheme (NHPS) scheme is formed by subsuming multiple schemes including Rashtriya Swasthya Bima Yojana, Senior citizen health Insurance Scheme (SCHIS), Central Government Health Scheme (CGHS), Employees' State Insurance Scheme (ESIS) etc.

Bhamashah Swasthya Bima Yojana is a health insurance scheme developed by the Government of Rajasthan to provide quality healthcare for the state’s citizens. This is a cashless scheme that provides financial security against various medical threats faced by poor families in Rajasthan. This scheme is primarily designed for the benefit of people living in rural areas. This cover ensures that the overall health status of the state is improved through effective measures. Moreover, the data collected from schemes like this can be used to implement policy level changes in the government’s healthcare initiatives.

Bhamashah Swasthya Bima Yojana :

Bhamashah Swasthya Bima Yojana is a health insurance scheme developed by the Government of Rajasthan to provide quality healthcare for the state’s citizens. This is a cashless scheme that provides financial security against various medical threats faced by poor families in Rajasthan. This scheme is primarily designed for the benefit of people living in rural areas. This cover ensures that the overall health status of the state is improved through effective measures. Moreover, the data collected from schemes like this can be used to implement policy level changes in the government’s healthcare initiatives.

Eligibility : Members must meet the following eligibility criteria to avail benefits under this medical insurance scheme:

• Members who are covered under National Food Security Act (NFSA) and Rashtriya Swasthya Bima Yojana (RSBY) are eligible for this scheme.
• There is no age limit for members enrolling in this cover. Families of members can also be covered under this scheme.

Features : Some of the notable features of Bhamashah Swasthya Bima Yojana can be listed as follows:

• This is a complete cashless treatment scheme that pays for all hospitalisation expenses incurred by the insured.
• The insured can obtain treatment benefits up to Rs.30,000 for general illnesses and Rs.3 lakh for critical illnesses.
• Treatment for members is provided through government hospitals and private network hospitals.
• This scheme provides stimulus for private hospitals to open their facilities in rural areas, thereby reducing the pressure of government hospitals.
• For secondary and tertiary illnesses, beneficiaries will be covered as per the pre decided packaged rates.
• All pre-existing conditions will be covered from the beginning of this scheme.
• Pre hospitalisation medical expenses are covered for up to 7 days before admission in a hospital.
• Post hospitalisation medical expenses are covered for up to 15 days after discharge from the hospital.
• This scheme was originally intended only for in-patient expenses, but the coverage has been extended later to include OPD medical expenses.
• Coverage related information can be obtained from the call center associated with this plan. A mobile application is also available to track the status of this policy.