UPSC Current Affairs: Rashtriya Swasthya Bima Yojana (RSBY)
We hope that your UPSC Civil Services Examination (CSE) preparation is going well. Knowledge of current happenings in India and around the world, as well as opinion formulation on important issues, is vital to CSE preparation. Keeping this in mind, we at Byju’s Classes have decided to launch an Online Lecture Series on Current Affairs. In this endeavour, we will do an in-depth analysis of important Current Affairs topics. The topics would be chosen based on their relevance to the CSE. Purely political topics or very controversial topics would generally be avoided. The aim of this series is not to supplant your daily reading of the Newspaper but to supplement your efforts. This series aims to be an enabling tool and will also help you in formulating an approach towards UPSC Current Affairs. Rashtriya Swasthya Bima Yojana (RSBY) This week we will be talking about Rashtriya Swasthya Bima Yojana (RSBY), which has been launched by the Ministry of Labour and Employment and the Government of India to provide health insurance coverage for Below Poverty Line (BPL) families. The objective of RSBY is to provide protection to BPL households from financial liabilities arising out of health shocks that involve hospitalization. Beneficiaries under Rashtriya Swasthya Bima Yojana (RSBY) are entitled to hospitalization coverage up to Rs. 30,000/- for most of the diseases that require hospitalization. The Government has even fixed the package rates for the hospitals for a large number of interventions. Pre-existing conditions are covered from day one and there is no age limit. Coverage extends to five members of the family. Beneficiaries need to pay only Rs. 30/- as registration fee while the Central and State Governments pay the premium to the insurer selected by the State Government on the basis of a competitive bidding.