Bhamashah Swasthya Bima Yojana Scheme (BSBY): Benefits

Understanding of Bhamashah Swasthya Bima Yojana

It is the scheme started by the Rajasthan government to provide health insurance coverage to eligible citizens of Rajasthan so that they can avail quality medical care in government and private hospitals.

The families in Rajasthan listed under the Rashtriya Swasthya Bima Yojana (RSBY) and National Food Security Act (NFSA) can sign up for this scheme.
 

Under the recent update, the name of this scheme has been changed to Ayushman Bharat Mahatma Gandhi Health Insurance Scheme. Eligible people can avail of the cashless health insurance benefits for up to ₹30,000 for general or minor illness and ₹3 lakh for critical or major illness.

Not just this, the insured individual will also get 15 days of post-hospitalisation coverage after the discharge under this scheme. To avail of the benefit, eligible individuals need to do Bhamashah registration.

Bhamashah Swasthya Bima Yojana Features

Some of the critical features of BSBY schemes are listed below:
 

• Hospitalisation Costs - Under this scheme, all eligible individuals can take advantage of pre and post-hospitalisation costs.
• Network Hospitals - A vast chain of government and private hospitals are listed under this scheme.
• No Age Cap - Another appreciative feature of the Bhamashah yojana is no upper and lower age requirements. Anyone eligible can register under this scheme.
• Pre & Post-Hospitalisation Cost - The pre and post-hospitalisation charges are covered under this scheme. Under the prehospitalisation, 7 days of medical expenses are covered before getting admitted. Further, in post-hospitalisation, 15 days of medical expenses are covered after the discharge.
• Family Floater - The scheme follows a family floater policy, where all family members listed on the Bhamashah card are covered under a single policy.
• Treatment Packages - A wide variety of treatment packages are covered under the Bhamashah Swasthya Bima Yojana. The scheme has around 170 government health insurance packages, 1,045 general and 500 critical illness packages.
• Additional Expenses - The initiative pays for medical supplies, physician consultation fees, hospital stays, bed and nurse fees, implants, blood, boarding costs, meals, and a stipend for transportation. 

Benefits of Bhamashah Swastha Bima Yojana

Now, let's focus on the various benefits Bhamashah Swastha Bima Yojana offers.
 

• One of the significant benefits of Bhamashah Swastha Bima Yojana is it facilitates the direct transfer of funds in beneficiary accounts without intermediaries. This ensures that all the government subsidiaries reach the beneficiary without delays.
• Further, the other benefit of doing Bhamashah registration is it makes the woman the head of the family by offering a Bhamshah card. Using this card, women can access various government services and benefits, leading to financial independence and improved decision-making within the household.
• The scheme pays a reward of ₹2000 to qualified applicants in two instruments.
• Further, the additional reward of ₹100 is paid under the scheme to an individual with an active Aadhar card.

Eligibility Criteria for Bhamashah Swasthya Bima Yojana

To get yourself enrolled under the Bhamashah Swasthya Bima Yojana, individuals must have the following criteria.
 

• Individuals should be the permanent residents of Rajasthan.
• To get the benefits offered by Bhamashay Yojana and other schemes of the same plans, they must have a valid Jan Aadhar and Aadhar card.
• All the program's beneficiaries should be part of the National Food Security program.
• Further, the applicant should have their bank account opened under the applicant should have her bank account opened under the Bhamashah Yojana scheme.
• Lastly, all the beneficiaries should be from low-income groups.

Documents Required for Bhamashah Swasthya Bima Yojana Registration

Eligible applicants need to provide the proper documentation to avail themselves of the scheme's benefits. These are the list of documents that are required under this scheme.
 

• A valid Aadhar card and Jan Aadhar card.
• Individuals need to present their ration cards.
• Further, the income proof certificate is also necessary for enrolling in the scheme.
• Moreover, proof of residence is mandatory since the scheme is only for Rajasthan residents.
• Recent coloured passport-size photographs.

How to Apply For Bhamashah Swasthya Bima Yojana?

There are online and offline modes to apply for the Bhamashah Swasthya Bima Yojana. Let's discuss both in detail.

Apply For Bhamashah Swasthya Bima Yojana via Online Mode

To enrol under the Bhamashah Swasthya Bima scheme via online mode, follow the mentioned steps.
 

• Step 1: To start the registration process, you need to go to the official website of the Rajasthan Medical and Health Sector.
• Step 2: Further, click on the "Apply Online" section.
• Step 3: On the registration page, you need to provide the basic information like name, mobile number, address, etc.
• Step 4: Next, you must upload all the relevant documents, such as the below poverty line certificate, domiciliary certificate, etc, on the portal.
• Step 5: Then, double click on the "Submit" button to complete the process.
• Step 6: You may receive an acknowledgement or receipt with a unique application reference number after applying. This reference number is essential for tracking the status of your application.
   

Apply For Bhamashah Swasthya Bima Yojana via Offline Mode

To apply for Bhamashah Swasthya Bima Yojana using offline mode, you have to follow these steps:
 

• Step 1: To get the benefits offered under the Bhamashah Swasthya Bima Yojana, visit the district health authority office and collect all the required forms.
• Step 2: Then, you need to fill out the forms carefully.
• Step 3: You must provide the necessary documents along with the application forms.
• Step 4: Submit all the forms and documents to authorities.
   

The authorities will then register you under the scheme and notify you once it is done. The offline process might take some days or weeks.

How to Download a Bhamashah Card?

To download the Bhamashah Yojana card, you need to follow the below-mentioned steps.
 

• Step 1: To get the card, visit the official website of Rajasthan Single Sign On.
• Step 2: Click the "Citizen" section on the home page.
• Step 3: Now you must register using Jan Aadhar or Google account based on your choice.
• Step 4: Once registered, you will get the SSOID and password.
• Step 5: Further, do your BSBY log in to your account using those credentials.
• Step 6: On the home page, click "Bhamashay Yojana".
• Step 7: Under the Bhamashay Yojana option, click the "Enrolment option."
• Step 8: You need to click on the "E-card Citizen" option under the enrolment tab.
• Step 9: You need to provide some basic details, and then you can easily download the Bhamashah card with a unique number.

How to Apply For a Claim Under Bhamashah Swasthya Bima Yojana?

Individuals need to seek treatment at an empanelled hospital under the BSBY scheme to get the cashless medical care benefit during an emergency. At the hospital, present your Bhamashah card or the BSBY card along with the identification documents of the patient. The card contains the unique identification and policy details necessary for the hospital to verify your eligibility.

As the patient or caregiver, you typically won't need to pay any upfront fees for the medical expenses. The network hospital will send the medical bills to the insurance provider directly. After verifying and approving the claim, the insurance provider will settle the bills directly with the hospital.

Conclusion

Bhamashah Swasthya Bima Yojana is a great initiative to provide healthcare benefits to the citizens of Rajasthan. It is a welfare scheme that helps individuals save medical expenses during crises by availing cashless benefits in-network hospitals.