How Do I Get an RSBY Card?

How to Get an RSBY Card: Eligibility, Enrolment & Benefits

RSBY, or Rashtriya Swasthya Bima Yojana, is an initiative by the Prime Minister to support the low-income groups in terms of healthcare facilities. The RSBY card is a smart card that is issued under this scheme, which contains the biometric information about the beneficiary and their family members.

It is received by the policyholders upon registration under the RSBY scheme, which facilitates cashless treatment at the network hospitals throughout India. Keep reading to learn about the enrolment process in detail, along with the attributes of this plan.

How to Enrol for the RSBY Card?

Go through the following section to have a detailed idea about the enrolment process for the RSBY scheme:

• Check Eligibility: Make sure that the Below Poverty Line (BPL) list contains your family’s name. You can view the list at your nearby enrolment centres or municipality office.
• Enrolment Camps: Once you spot your name on the enrolment list, wait for an announcement about the enrolment camps at your nearby schools or public centres.
• Gather Documents: Before visiting the enrolment centres, make sure you have all the documents, such as the Aadhar Card, proof of residence, ID card for workers of unorganised sectors, etc.
• Process of Enrolment: The officials present at the camp will verify the documents of the beneficiary and family members, along with biometric information such as fingerprints and photographs.
• Registration Fees: Pay a minimum fee of ₹30 for each family during registration and at the time of renewal every year.
• Receive the Smart Card: Take the smart card and the information pamphlet to learn about the scheme's benefits and features.
   

How to Claim Money under the RSBY Scheme?

The RSBY scheme facilitates cashless treatment, hence making the claims fast and hassle-free. Here’s what you need to do:

• Present your RSBY smart card at any network hospital in your area.
• The healthcare institution will transfer data to the insurance provider.
• Once verified, treatment will commence.
• The insurer will settle the medical bills directly with the network hospital.
   

As a result, individuals can fully focus on their recovery without the hassles of paperwork or gathering funds. This is highly beneficial during medical emergencies, as it gives access to quality healthcare with the least delays.

What are the attributes of the RSBY scheme?

Apart from providing healthcare coverage, here are some of the salient features of the RSBY scheme:

• Security: The IT-enabled apps and the chips present on the smart card help with the robust monitoring and faster data exchange. Additionally, all the biometric data are managed using a high-security system that tracks the complete process.
• Beneficial: Everyone involved in the scheme benefits from every registration. Not only do the policyholder and his family receive benefits, but all the stakeholders, such as the NGOs and MFIs, receive incentives during the registration process.
• Minimum Premium: An eligible family pays a minimum of ₹30 during registration under the RSBY scheme to avail of the policy's benefits. The rest of the premium amount, that is, ₹750 per year for every family, is paid jointly by the Central and State Governments.
• Assured Treatment: This scheme was formulated for people under the BPL category to address the issues of healthcare. RSBY ensures that the beneficiaries receive the required treatment for accidents or illness, which otherwise would have been neglected due to financial constraints.
• Beneficiary Can Choose: The beneficiaries can choose their place of treatment among the network hospitals. No one is forced or guided to seek treatment from a particular public or private hospital.
• No Age Limit: Other commercial health insurance companies have a certain age limit for each of their plans. If your family is eligible, you and your loved ones can enrol in the RSBY scheme at any age.

Having the RSBY card serves as an assurance of universal healthcare for people belonging to the BPL category. It allows them to preserve their financial stability in the event of a medical emergency, ensuring they can receive quality treatment without exhausting their savings.

This model also serves as an excellent example of how the Central and State governments can collaborate to improve healthcare access for the general population.

Also Read:

→ What is the Sum Insured in the RSBY Scheme

→ What is the RSBY Scheme in India

→ How to Check RSBY Card Status