The Pandemic has had devastating effects on the lives of the poor, who are finding it really difficult to make ends meet and to sustain themselves in a post-pandemic world, where prices of practically everything seems to be skyrocketing.

The Rajasthan government has taken cognizance of the fact that people on the poorer end of the spectrum find it increasingly hard to sustain themselves and their households while the fear of contracting the disease happens to loom over their heads. In order to mitigate the suffering and the hardships faced by the poor in the state, the Rajasthan government has announced the Ayushman Bharat Mahatma Gandhi Health Insurance Scheme.

About the Ayushman Bharat Mahatma Gandhi Health insurance scheme

The Ayushman Bharat Mahatma Gandhi Health Insurance Scheme is a Mega National Health Protection Scheme that covers ailments of those who are not well-to-do enough to take care of their medical expenses.

This scheme, essentially, is a revised version of the Pradhan Mantri Jan Arogya Yojana in Rajasthan. The Ayushman Health Scheme will provide ₹5 lakh health insurance for secondary and tertiary hospitalisation. Beneficiaries of the scheme will basically be getting cashless treatment and paperless hospitalisation across all government and empanelled private hospitals.

What is the premium to be paid to avail the benefits of the scheme?

The benefits of the Ayushman Bharat Mahatma Gandhi Health Insurance will be applicable for all rural and urban beneficiaries whose name appears in the SECC-2011 data.

In order to avail of the benefits of the scheme, there will be no online application forms. There will also be anti-fraud guidelines in place that will be framed against people who will demand money to provide insurance benefits. The annual premium to avail the benefits of the scheme is ₹850 per annum.

To avail the benefits of the scheme, people can visit any Health and Wellness centre in their vicinity to avail the Ayushman Bharat Mahatma Gandhi Rajasthan Health Insurance scheme. All beneficiaries will be given a family card and Arogya Mitras will be trained for further assistance.

Special features of the scheme

  • There will be health insurance offered of ₹5 lakh to the family per year
  • Around 1.10 crore poor and vulnerable families whose names appear on the SECC-2011 data are considered eligible for the benefits.
  • COVID-19 care and Hemodialysis would be covered in Ayushman Bharat Mahatma Gandhi Rajasthan Health Insurance scheme.
  • Cashless and Paperless treatment would be provided to the people in all government and empanelled hospitals.

Wrapping it up

In the midst of a health crisis, having such insurance coverage goes a long way in ensuring people feel safe. Mostly, people get so entangled prioritising other things in life, that they never think about health.

With this scheme in place, people will now consider prioritising health before anything else. After all, only when a person is healthy is when she/he can take care of family and those who are near and dear.

We live in a world where the old adage “health is wealth” holds water.

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