Bhamashah Swasthya Bima Yojana (BSBY)

Understanding BSBY: Features, Benefits, and Eligibility

The Rajasthan State Government has introduced the Bhamashah Swasthya Bima Yojana (BSBY) to provide health insurance benefits to the citizens of the state. Launched on 13th December 2015, this scheme provides cashless health insurance coverage of up to ₹5 Lakhs. If a family is eligible for the Rashtriya Bima Yojana (RSBY) or National Food Security Act (NFSA), they can also apply for this scheme.

At present, Socio-Economic Census families are also included in the BSBY scheme, enhancing its scope broadly. With this, the scheme is renamed as the Ayushman Bharat Mahatma Gandhi Swasthya Bima Yojana. Families with floating coverage from this insurance policy must pay a fixed premium annually. Learn more about this scheme below!

Features and Benefits of Bhamashah Swasthya Bima Yojana

The notable features and benefits of the BSBY scheme are represented in the table below:

Features of BSBY	Benefits of BSBY
Beneficiaries can receive cashless treatment under this scheme from any BSBY-empanelled hospital.	Members of the economically disadvantaged groups can claim medical insurance of ₹5 Lakh for emergencies and treatment as per Bhamashah card benefits.
This scheme covers a beneficiary's medical expenses that were incurred 7 days before and 15 days after hospitalization.	To ensure transparency and reduce the degradation of funds, the benefit amount is directly transferred to the beneficiary’s account.
BSBY offers coverage for a vast range of medical packages, treatments, and surgical procedures.	A reward of ₹2,000 is paid to the qualified applicants in two installments.
The single-family floater plan of BSBY covers all the family members’ hospitalization costs who have been enrolled in the scheme.	Each family member with an active Aadhaar Card in the beneficiary’s family can receive an additional ₹100 from this scheme.
Every family member, regardless of age, can enroll in the BSBY scheme.	A Bhamashah Card is provided to the female beneficiaries as a biometric ID verification to allow ration purchasing from the authorized PDS outlets.
Miscellaneous expenses incurred in the hospitals, like meals, devices, supplies, etc., are also covered under this scheme.	The female head of the family will receive the BSBY benefit amount in their account.

How to Apply for the Bhamashah Swasthya Bima Yojana?

Beneficiaries can follow both the online and offline procedures to apply for BSBY Rajasthan.

The online application process goes as follows:

Visit the official website of the Rajasthan Medical and Health sector.
Select the "Apply Online" option.
Enter your basic information on the registration page, such as name, address, contact information, etc.
Upload the required documents, such as the domiciliary certificate, BPL (below the poverty line) certificate, etc., to the BSBY portal.
Complete the process by double-clicking the "Submit" option.
A unique application reference number will be provided as an acknowledgment receipt. It will help you track the Bhamashah status.

You can also follow these steps for an offline application:

1.Visit the district health authority's office and collect the application form for BSBY enrollment.
2.Fill out the form with all necessary details and attach your documents.
3.Submit the documents and application form to the concerned authority.
4.They will verify the documents and notify you once you are registered under the Bhamashah Swasthya Bima Yojana.

Note: The offline procedure is time-consuming; it may take a few days or weeks to complete the registration.

What are the eligibility criteria for Applying for BSBY?

Here are some of the criteria that a beneficiary needs to fulfil for Bhamashah Swasthya Bima Card enrollment:

The applicant must hold a valid Aadhaar Card and Jan's Aadhaar Card.
Only a permanent citizen of Rajasthan can apply for the BSBY card.
Members of the economically weaker sections of Rajasthan are only allowed to enrol in BSBY.
The Socio-economic Survey 2011 must include the applicant as an eligible family under the NFSA.

What are the Inclusions and Exclusions Under BSBY?

Listed below are the coverage offered by BSBY Rajasthan:

₹100-500 is provided to the beneficiaries as transport allowance in case of cardiac and polytrauma.
It covers 7 days of pre-hospitalization costs and 15 days of post-hospitalization expenses of a beneficiary.
BSBY covers the OPD and PED expenses.
It provides cashless benefits to treat secondary and tertiary medical conditions.
A ₹5 Lakh coverage for critical illnesses and ₹30,000 coverage for general illnesses is provided under this scheme.
It also covers the nursing and consultation charges, the concerned beneficiary's food expenses, etc.

Here are the exclusions of the BSBY scheme:

Individuals who are not included in the RSBY and NFSA scheme are not eligible for BSBY
If the applicant is not a family member of the NFSA and RSBY scheme, they do not qualify for BSBY card

What is a Bhamashah Card?

The Rajasthan Government has introduced the Bhamashah card to make the female member of the family their head. Under this scheme, a health card is provided to the senior woman of every family to cover the family members' medical needs. The eligible female member can avail of a personal bank account from the government upon receiving this card.

Financial grants from the government will be transferred to this bank account. The Bhamashah card must be linked to the beneficiary's mobile number through SMS for all transaction-related updates.

How to Claim the Bhamashah Swasthya Bima Yojana Benefits?

Here are the steps to follow while claiming the Bhamashah Swasthya Bima Yojana Benefits:

1.Visit any of the network hospitals for your treatment and produce the BSBY health card.
2.The designated coverage amount will be authorized by the insurer.
3.The hospital will send all the treatment details and bills to the insurance company.
4.The Bhamashah claim will be directly settled by the insurer.

What Packages are Included Under the BSBY Scheme?

The BSBY, also known as the Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana, includes the following medical packages:

Appendicectomy
Lensectomy + Vitrectomy
Septoplasty + FESS
Pneumonectomy
Prolapse Uterus LeFort's
Fistulectomy
Chelation Therapy for Thalassemia Major
Pemetrexed
Pacemaker Implantation Temporary
Colonoscopy with Biopsy

The following medical speciality packages are included under the BSBY scheme:

General surgery
ENT
Ophthalmology
Chest surgery
Gastroenterology
Gynaecology
Cardiology & CTVS
Dentistry
Medical oncology
General medicine

The Bhamashah Swasthya Bima Yojana (BSBY) represents a significant step towards improving healthcare accessibility for economically disadvantaged families in Rajasthan. Providing comprehensive health insurance coverage and facilitating cashless treatment options aims to reduce financial barriers associated with healthcare access. This initiative promotes health equity and empowers women by linking benefits to their identity cards.

As Rajasthan continues to develop its healthcare infrastructure through programs like BSBY, it sets a precedent for other states in India, aiming to enhance social welfare through effective health insurance schemes

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FAQ

What is Bhamashah meaning?

Bhamashah is a health insurance scheme initiated by the Rajasthan Government to cover the medical expenses of economically backward classes.

Can I enroll for Bhamashah Swasthya Bima Yojana from a camp?

Yes, the government sets up a three-day camp twice a year at Gram Panchayats for individuals who cannot enroll online in the BSBY scheme. They can also visit the Panchayat Samitis or Raj Sampark Bharat Nirman Seva Kendra, permanent offices for BSBY enrollment.

How to download the Bhamashah Card?

To download the Bhamashah Card, beneficiaries must log in to https://sso.rajasthan.gov.in/signin and enter their SSO ID, password, and CAPTCHA code to sign in. Then, navigate to the “Citizen App” and select Bhamashah. Next, click on the E-Bhamashah Card and fill in the details to download the card.

Can anyone apply for the Bhamashah Scheme?

No, the applicants must be citizens of Rajasthan and included in the NFSA and RSBY schemes to apply for a BBSY card.