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{{Use dmy dates|date=February 2016}}
{{Use Indian English|date=February 2016}}
{{Update|date=March 2018}}
{{Infobox project
| abbreviation = RSBY
| logo = RSBY Logo.jpg
| country = India
| primeminister = Dr. Manmohan Singh
| launched = {{Start date and age|2008|04|01|df=y}}
| current_status = Active
}}
'''Rashtriya Swasthya Bima Yojana''' ('''RSBY''', literally "National Health Insurance Programme",<ref name=wsj>{{cite web|url=http://www.rsby.gov.in/m1.html|title=India's poor get healthcare in a card|publisher=Wall Street Journal|author=Jackie Range|access-date=2011-02-26}}</ref>) is a government-run [[health insurance]] programme for the [[India]]n poor. The scheme aims to provide health insurance coverage to the unrecognised sector workers belonging to the [[Below Poverty Line (India)|BPL]] category and their family members shall be beneficiaries under this scheme.<ref>{{Cite web|url=https://india.gov.in/spotlight/rashtriya-swasthya-bima-yojana|title=Rashtriya Swasthya Bima Yojana {{!}} India Portal|website=india.gov.in|access-date=2016-08-11}}</ref> It provides for cashless insurance for hospitalisation in public as well as private hospitals. The scheme started enrolling on April 1, 2008 and has been implemented in 25 states of India.<ref name=rsbyabt>{{cite web|url=http://www.rsby.gov.in/about_rsby.aspx|title=About RSBY|publisher=Ministry of Labour and Employment|access-date=2011-02-26}}</ref> A total of 36 million families have been enrolled as of February 2014.<ref>{{cite web|title=Rashtriya Swasthya Bima Yojana|url=http://www.rsby.gov.in/}}</ref> Initially, RSBY was a project under the Ministry of Labour and Employment. Now it has been transferred to Ministry of Health and Family Welfare from April 1, 2015<ref name=rsbystatus>{{cite web|url=http://www.rsby.gov.in/overview.aspx|title=RSBY:National Summary|publisher=Ministry of Labour and Employment|access-date=2011-02-26}}</ref>

Every "[[Below Poverty Line (India)|below poverty line]]" (BPL) family holding a yellow [[ration card]] pays {{INRConvert|30}} registration fee to get a [[biometrics|biometric]]-enabled [[smart card]] containing their fingerprints and photographs.<ref name=wsj /> This enables them to receive inpatient medical care of up to {{INRConvert|30000}} per family per year in any of the empanelled hospitals. Pre-existing illnesses are covered from day one, for head of household, spouse and up to three dependent children or parents.<ref name=rsbyabt />

In the Union Budget for 2012-13, the government made a total allocation of {{INRConvert|1096.7|c}} towards RSBY. Although meant to cover the entire [[Below Poverty Line (India)|BPL population]], (about 37.2 per cent of the total Indian population according to the Tendulkar committee estimates) it had enrolled only around 10 per cent of the Indian population by March 31, 2011. Also, it is expected to cost the exchequer at least {{INRConvert|3350|c}} a year to cover the entire BPL population.<ref>{{cite news|title=Healthy outlook in Budget|url=http://www.thehindubusinessline.com/opinion/article3155263.ece?css=print|newspaper=The Hindu BusinessLine|date=March 22, 2012}}</ref>

The scheme has won plaudits from the [[World Bank]], the [[United Nations|UN]] and the [[ILO]] as one of the world's best health insurance schemes. [[Germany]] has shown interest in adopting the [[smart card]] based model for revamping its own social security system, the oldest in the world, by replacing its current, expensive, system of voucher based benefits for 2.5 million children.<ref name="Mohan,15 may 2017">{{cite book | author = Dr. [[Kolkata Metropolitan Development Authority|Saumitra Mohan]] | chapter-url = https://books.google.com/books?id=uM8mDwAAQBAJ&pg=PT72 | title = Indian policy and development | page = 72 | publisher = McGraw-Hill Education | date = May 15, 2017 | isbn = 9789352606740 | access-date = January 3, 2020 | chapter = 10.7 - Rashtriya Swasthya Bima Yojana (RSBY)}}, Citation: ''Currently revamped RSMY covers three crore workers...RSBY will be responsible for providing secondary healthcare benefits also.'''..</ref> The Indo-German Social Security Programme, created as part of a co-operation pact between the two countries is guiding this collaboration.<ref>{{cite news|title=German delegation visiting India to take Rashtriya Swasthya Bima Yojana lessons|url=http://articles.economictimes.indiatimes.com/2012-08-06/news/33065368_1_rsby-smart-card-system-social-security-system|newspaper=The Economic Times|date=August 6, 2012}}</ref><ref name="Mohan,15 may 2017" />

One of the big changes that this scheme entails is bringing investments to unserved areas. Most private investments in healthcare in India have been focused on tertiary or specialized care in urban areas. However, with RSBY coming in, the scenario is changing. New age companies like Glocal Healthcare Systems, a company based out of Kolkata and funded by Tier I Capital Funds like Sequoia Capital and Elevar Equity are setting up State of Art Hospitals in Semi Urban - rural settings. This trend can create the infrastructure that India's healthcare system desperately needs.<ref>{{cite news|title=Rural India looking for high quality healthcare |url=http://articles.economictimes.indiatimes.com/2012-02-03/news/31021499_1_rural-healthcare-quality-healthcare-rural-areas |newspaper=The Economic Times|date=February 3, 2012}}</ref>

As per report from Council for Social Development, it was found that this scheme has not been very effective. Increase in outpatient expenditure, hospitalization and medicines have compelled insurance companies to exclude several diseases out of their policies and thus making it not affordable for BPL families.<ref>{{Cite web|url = http://www.thehindu.com/data/poor-risk-cover-under-govt-health-scheme/article7793554.ece|title = Poor risk cover}}</ref> Report also has found that most of the beneficiaries are from higher classes and not targeted beneficiaries.

[[Ministry of AYUSH#Activities|Ayushman Bharat - Pradhan Mantri Jan Aarogya Yojana (PMJAY)]] is proposed to subsume RSBY and provide an insurance cover of {{INRConvert|0.5|m}} each to 10 crore families.<ref>{{citation |title=Less than half of budgeted allocation for Modicare released: Parl panel report |url=https://www.hindustantimes.com/india-news/modi-government-has-released-less-than-half-of-budgeted-allocation-for-health-insurance-parl-panel-report/story-AjpFIXYPwCZGjHU3udagrM.html |work=[[Hindustan Times]] |date=13 March 2018 }}</ref>

==See also==
* [[Health Care Access Among Dalits in India]]

==References==
{{Reflist}}

{{Insurance in India}}
{{Government Schemes in India}}
{{Authority control}}

[[Category:Health insurance in India]]
[[Category:Government schemes in India]]

Rashtriya Swasthya Bima Yojana - Revision history

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