Complete Guide for Rajasthan Government Health Scheme

Healthcare costs in India are rising at an alarming rate. Access to quality medical care is a priority for every family. The Rajasthan government health scheme aims to solve this.

This health scheme’s main aim is to offer financial protection to millions of Rajasthani residents. In this blog, let us discuss the benefits, eligibility and application process of Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana (AB-MGRSBY).

What is Ayushman Bharat MGRSBY?

The Government of Rajasthan launched this initiative on 30 January 2021 to provide cashless medical treatment to vulnerable sections of society. The goal of this scheme is simple: To let no family suffer due to a lack of funds for medical treatments.

It aims to benefit approximately 1.01 crore families across Rajasthan. It covers both government and private empanelled hospitals and provides a sum insured amount of ₹5 lakh. The key features of the Rajasthan government health scheme are as follows:

Cashless Treatment: With MGRSBY, you don't have to pay cash at the hospital counter. The government will directly settle the bill with the hospital.

Family Floater Basis: Your whole family will receive the coverage amount. Therefore, even if one member falls sick, they can use the amount for treatment.

No Cap on Family Size: Many private plans put restrictions on the number of insured members under family floater plans. However, with the Rajasthan health scheme, you don’t have to worry.

Extensive Network: You can access quality care at a vast network of government and private hospitals across the state.

Wide Coverage: This health insurance scheme lets you get coverage for inpatient, outpatient, and daycare treatments.        

Rajasthan Government Health Scheme Coverage Benefits and Sum Insured

Before you start getting the benefits of the Rajasthan government health scheme, it is important that you know about the financial coverage it provides. This includes:

1. General Illness: Under this scheme, you can get ₹50,000 per year for secondary care. If you or your family are suffering from common ailments and require standard hospitalisation, then you can utilise this coverage.

2. Critical Illnesses: The Rajasthan government health scheme also provides ₹4.5 lakh of dedicated coverage for every family per year. You can utilise this for covering heart diseases, cancer and kidney issues.

3. Medical Packages: Other than the standard coverage, you can also access over 1,576 medical packages covering important surgeries, diagnostics and doctor fees.

Therefore, under the Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana (AB-MGRSBY), your total sum insured comes to ₹5 lakh.

Rajasthan Government Health Scheme Eligibility Criteria: Who Can Apply?

To avail the benefits of Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana, you must fall among the following groups:

1. SECC 2011 Data Families: If you are one of the families listed in the Socio-Economic Caste Census (SECC) 2011, then you are eligible to apply for this scheme.

2. NFSA Beneficiaries: You can apply for this scheme if your family is registered under the National Food Security Act (NFSA).

3. Antyodaya Families: The state government maintains records of the poorest households in the state. If your family falls under this category, then you can apply for the Rajasthan government health scheme.

4. Citizen of Rajasthan: You must be living in Rajasthan to avail this health insurance scheme.

5. PMJAY Scheme: If you are already benefiting from the central scheme, you can avail the benefits of MGRSBY as well.

You can check your eligibility on the official departmental website or at a local e-Mitra kiosk.

What Documents are Required for Ayushman Bharat Rajasthan?

To avail of the benefits, you must present valid identification at the hospital. Keep these ready:

Jan Aadhaar Card: This is the primary identification document in Rajasthan. You can also use the Bhamashah acknowledgement slip for identification.

Aadhaar Card: This card is an important personal identification document that contains biometric information and a 12-digit number.

Ration Card: This serves as proof of NFSA status.

HHID Number: HHID, or Household Identification Number, is a 23-digit unique number which you need to verify your eligibility.

How to Avail Services Under the Rajasthan Government Health Scheme?

Visit the Hospital: Go to any empanelled hospital with your Jan Aadhaar card. This could be a government or private hospital.

1. Identification: The Swasthya Marg Darshak (health guide) at the help desk will verify your documents.

2. Authentication: Next, they will authenticate your identity using biometrics or an OTP on your registered mobile number.

3. Treatment: Once verified, doctors will admit you. Then the hospital will start the cashless treatment process.

4. Discharge: After you recover, your hospital will file the claim. You do not have to pay anything out of your own pocket.

Why You Might Need Additional Private Insurance in Rajasthan?

Government schemes provide a great safety net. However, they have their own limits. For example, the ₹5 Lakh limit might fall short for advanced treatments or in metro cities outside Rajasthan. Also, room rent caps in government schemes often limit you to general wards, which may not be enough.

For higher coverage, premium rooms, and faster access to top-tier private hospitals nationwide, consider a private plan. A comprehensive policy from Bajaj General Insurance works as a perfect top-up to your government cover. It ensures you never compromise on comfort or quality of care.

Download the Bajaj General app and purchase health insurance within a few clicks. No lengthy paperwork needed!

Final Thoughts

The Rajasthan government health scheme is a lifeline for millions of people. It removes the fear of medical debt and safeguards families. Check your eligibility today and secure your future. For enhanced protection beyond the basics, explore private options from Bajaj General Insurance.

FAQs

Who is eligible for the Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana?

Families included in the SECC 2011 list and beneficiaries under the National Food Security Act (NFSA) in Rajasthan are eligible for the Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana.

Is there a waiting period for pre-existing diseases in the Ayushman Bharat MGRSBY Rajasthan Health Scheme?

No, the Ayushman Bharat MGRSBY Rajasthan Health Scheme covers all pre-existing diseases from day one. There is no waiting period for beneficiaries.

What documents do I need to carry to the hospital?

You must carry your Jan Aadhaar Card and Aadhaar Card. The hospital help desk uses these to verify your eligibility.

Can I use this card for treatment in private hospitals?

Yes, you can avail cashless treatment at any private hospital that is empanelled under the Ayushman Bharat MGRSBY Rajasthan Health Scheme.

What is the total sum insured provided per family?

The Ayushman Bharat MGRSBY Rajasthan Health Scheme provides a total annual cover of ₹5 lakhs per family. This includes ₹50,000 for general illnesses and ₹4.5 Lakhs for critical illnesses.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.