What
is Bhamashah Swasthya Bima Yojana?
The Bhamashah Swasthya
Bima Yojana is a health insurance scheme launched by the Government of
Rajasthan in year 2015. It aims to provide cashless treatment to beneficiaries
in empanelled hospitals for specified illnesses. The scheme primarily targets
families below the poverty line and provides coverage for hospitalization
expenses up to Rs. 3 Lakh.
Under the Bhamashah
Swasthya Bima Yojana, eligible families receive a Bhamashah card which serves
as their health insurance card. This card enables them to avail cashless
medical treatment in empanelled hospitals. The scheme covers various medical
procedures and treatments, including surgeries, hospitalization, and certain
pre-existing illnesses.
The Bhamashah Swasthya
Bima Yojana is a significant initiative aimed at improving healthcare access
and affordability for the disadvantaged population in Rajasthan. It helps
alleviate the financial burden associated with healthcare expenses and ensures
that people can access necessary medical treatment without facing financial
constraints.
Some
of the key feature of the Bhamashah Swasthya Bima Yojana:
Cashless
Treatment: Beneficiaries can avail cashless medical treatment
for specified illnesses in empanelled hospitals. This eliminates the need for
upfront payment, making healthcare more accessible, especially for those facing
financial constraints.
Coverage
for Hospitalization Expenses: The scheme covers
hospitalization expenses up to a certain limit, including room charges,
surgical fees, doctor's fees, medicines, and other related expenses incurred
during hospital stays.
Pre-Existing
Illness Coverage: Bhamashah Swasthya Bima Yojana covers
treatment for certain pre-existing illnesses, ensuring that beneficiaries can
access medical care for chronic conditions without worrying about the cost.
Wide
Range of Medical Procedures: The scheme covers
various medical procedures and treatments, including surgeries, diagnostic
tests, consultations, and follow-up care.
Family
Coverage: Bhamashah Swasthya Bima Yojana provides coverage
for the entire family, including the head of the household, spouse, and
dependent children, ensuring comprehensive healthcare protection for the entire
household.
No
Age Limit: there is a upper age limit for enrolment in the
scheme, allowing elderly members of eligible families to also benefit from the
health insurance coverage.
Renewable
Coverage: The health insurance coverage provided under Bhamashah
Swasthya Bima Yojana is renewable, allowing beneficiaries to continue availing
the benefits beyond the initial enrolment period.
Easy
Enrolment Process: The enrolment process for Bhamashah
Swasthya Bima Yojana is relatively simple, making it easier for eligible
families to register and receive their Bhamashah cards, which serve as their
health insurance cards.
Conclusion:
Overall, the Bhamashah
Swasthya Bima Yojana aims to improve healthcare access and affordability for
disadvantaged populations in Rajasthan, ensuring that they can receive
necessary medical treatment without facing financial hardships.
