Rajasthan takes pole position for medical health insurance coverage: NFHS report

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The Rajasthan government’s deal with the health sector has taken the state to top position within the country in regard to medical health insurance coverage.

The National Family Health Survey-5 (2019-21) states 88 per cent of the households have at the least one member covered by a health scheme or medical health insurance in Rajasthan. The national figure is 41 per cent.

In NFHS-4 (2015-16), the medical health insurance coverage of households in Rajasthan was 19 per cent while it was 29 per cent for India.

This happened mainly resulting from the initiative of Chief Minister Ashok Gehlot, whose priority is to make sure all residents of the state can avail themselves of free treatment at a hospital near them. He launched a medical health insurance scheme called Mukhyamantri Chiranjeevi Swasthya Bima Yojna on May 1, 2021.

This scheme got here when the nation was scuffling with the second wave of the pandemic and the cashless treatment facility has helped people to scale back their treatment expenditure to an amazing extent.

Greater than 13.5 million families are registered with it.

The scheme began with annual insurance cover of as much as Rs 5 lakh every year, which was increased in May 2022 to Rs 10 lakh. The scheme is free for those covered under the National Food Security Act, families eligible under the Socio-Economic Caste Census (SECC-2011), contractual employees (all departments/boards/corporations/government firms), Covid-19 ex-gratia, and small and marginal farmers.

Others who don’t fall in these categories pay a premium of Rs 850 per family.

Thus far, over 755 private and around 800 public hospitals are empanelled under this scheme.

Even the treatment packages on this scheme have been increased to over 1,625 and expensive treatment corresponding to liver transplants, heart transplants, kidney transplants, bone marrow transplants, cochlear implants, knee substitute, and hip substitute have been included or covered.

“The scheme faced initial challenges as many reports of non-compliance by private hospitals were received by the state government. The federal government has thus established a 24×7 call centre answering every call and criticism. Nodal officers have also been assigned to each zone in order that every criticism is resolved and registered beneficiaries receive due advantages in empanelled hospitals,” an official of the state medical health department said.

Recently, the state government also launched the Mukhyamantri Chiranjeevi Accident Insurance Scheme to supply economic support to the families insured with the Mukhyamantri Chiranjeevi Swasthya Bima Yojana within the case of death or everlasting disability resulting from an accident.

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