6th OCTOBER 1954 PANDIT NEHRU DECLARED NATIONAL HEALTH SCHEME
Thursday, Oct 07, 2004 |
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Prime Minister Nehru declared in Bombay on October 6 that it was his "earnest desire" and that of his Government to introduce as soon as possible a National Health Scheme to cover the entire 36 crore people of India. "This may seem fantastic and too much of a dream as we stand today. But I do hope one day we will be able to bring the entire nation under a health scheme. If we are going to be a welfare state this has got to be done. We are progressing well and it should not be difficult for us to achieve the goal,'' he said. Mr. Nehru, who was formally inaugurating the Employees' State Insurance Scheme in Bombay, said the question of an insurance scheme for industrial workers came up before the Government nearly six years ago. Parliament passed an Act for this purpose and the Centre sounded the State Governments regarding the implementation of the scheme. Most States agreed that the scheme was laudable but pleaded their inability to go ahead with it because of financial constraint. A beginning was, however, made in Kanpur two-and-a-half years ago, but the biggest step so far taken in the direction was introduction of the scheme in Bombay.
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National Health Insurance Schemes
1.Rashtiya Swasthiya Bima Yojana (RSBY)
RSBY ( Rashtriya Swasthiya Bima Yojana) has been launched by Ministry of Labour and Employment, 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 RSBY are entitled to hospitalization coverage up to Rs. 30,000/- for most of the diseases that require hospitalization. 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 which includes the head of household, spouse and up to three dependents. Beneficiaries need to pay only Rs. 30/- as registration fee while Central and State Government pays the premium to the insurer selected by the State Government on the basis of a competitive bidding.
Unique Features of RSBY
The RSBY scheme is not the first attempt to provide health insurance to low income workers by the Government in India. The RSBY scheme, however, differs from these schemes in several important ways.
Read more:- http://www.rsby.gov.in/
2.Employment State Insurance Scheme (ESIS)
Employees’ State Insurance Scheme of India, is a multidimensional social security system tailored to provide socio-economic protection to worker population and their dependants covered under the scheme. Besides full medical care for self and dependants, that is admissible from day one of insurable employment, the insured persons are also entitled to a variety of cash benefits in times of physical distress due to sickness, temporary or permanent disablement etc. resulting in loss of earning capacity, the confinement in respect of insured women, dependants of insured persons who die in industrial accidents or because of employment injury or occupational hazard are entitled to a monthly pension called the dependants benefit.
Coverage
Applicability
*Note: 14 State Govts. / UTs have reduced the threshold limit for coverage of shops and ther establishments from 20 to 10 or more persons. Remaining State Governments/UTs are in the process of reducing the same. The existing wage limit for coverage under the Act is Rs. 15,000/- per month ( w.e.f. 01/05/2010)
Areas covered
The ESI Scheme is being implemented area-wise by stages. The Scheme has already been implemented in different areas in the following States/Union Territories of Indian Union.
States :- All the States except Manipur, Sikkim, Arunachal Pradesh and Mizoram.
Union territories :- Delhi and Chandigarh
Read more :- http://www.esic.nic.in/index.php
3.Central Government Health Scheme (CGHS)
The “Central Government Health Scheme” (CGHS) provides comprehensive health care facilities for the Central Govt. employees and pensioners and their dependents residing in CGHS covered cities. Started in New Delhi in 1954, Central Govt. Health Scheme is now in operation in Allahabad, Ahemdabad ,Bangalore ,Bhubhaneshwar ,Bhopal ,Chandigarh , Chennai ,Delhi , Dehradun ,Guwahati ,Hyderabad, Jaipur , Jabalpur , Kanpur , Kolkatta , Lucknow , Meerut , Mumbai , Nagpur , Patna , Pune , Ranchi , Shillong , Trivandrum and Jammu. The Central Govt. Health Scheme provides comprehensive healthcare to the CGHS Beneficiaries in India. The medical facilities are provided through Wellness Centres (previously referred to as CGHS Dispensaries) /polyclinics under Allopathic,Ayurveda, Yoga, Unani, Sidha and Homeopathic systems of medicines.
The main components of the Scheme are:
Read more :- http://msotransparent.nic.in/cghsnew/index.asp
4. Aam Aadmi Bima Yojana(AABY)
Aam admi bima yojana, a Social Security Scheme for rural landless household was launched on 2nd October, 2007. The head of the family or one earning member in the family of such a household is covered under the scheme. The premium of Rs.200/- per person per annum is shared equally by the Central Government and the State Government. The member to be covered should be aged between 18 and 59 years.
Benefits
A separate fund called "Aam Admi Bima Yojana Premium Fund" has been set up by Central Govt. to pay the Govt. contribution. Fund is maintained by LIC. A free add-on benefit in the form of scholarship to children is also available under the Scheme.
5. Janashree Bima Yojana
Janashree Bima Yojana (JBY) was launched on 10th August 2000. The Scheme replaced Social Security Group Insurance Scheme (SSGIS) and Rural Group Life Insurance Scheme (RGLIS). 45 occupational groups have been covered under this scheme
It provides life insurance protection to people who are below poverty line or marginally above poverty line. Persons between aged 18 years and 59 years and who are the members of the identified 45 occupational groups are eligible to be covered under the Scheme
Note: Aam Admi Bima Yojana and Janashree Bima Yojana have been merged into one scheme. It is renamed as “Aam Admi Bima Yojana” , effective from 01.01.2013.
Reference: www.licindia.in
6.Universal Health Insurance Scheme (UHIS)
The four public sector general insurance companies have been implementing Universal Health Insurance Scheme for improving the access of health care to poor families. The scheme provides for reimbursement of medical expenses upto Rs.30,000/- towards hospitalization floated amongst the entire family, death cover due to an accident @ Rs.25,000/- to the earning head of the family and compensation due to loss of earning of the earning member @ Rs.50/- per day upto maximum of 15 days. The Universal Health Insurance Scheme (UHIS) has been redesigned targeting only the BPL families. The premium subsidy has been enhanced from Rs.100 to Rs.200 for an individual, Rs.300 for a family of five and Rs.400 for a family of seven, without any reduction in benefits.
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