On Nov 21, Mrs. Sonia Gandhi, President of the Indian National Congress party will inaugurate the Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) – a health insurance scheme for the poor.
The State Government of Maharashtra has launched Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) in order to improve medical access facility for both Below Poverty Line (BPL) and Above Poverty Line (APL) families. The scheme will extend quality medical care for surgeries and therapies through an identified Network of health care providers.
Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) would be implemented throughout the state of Maharashtra in phased manner for a period of 3 years. The insurance policy/coverage under the RGJAY for the eligible beneficiary families in 8 districts: Gadchiroli, Amravati, Nanded, Sholapur, Dhule, Raigad, Mumbai and Suburbs.
This scheme is far better than the central government scheme for the poor. The Rashtriya Swasthya Bima Yojana under provides insurance coverage only up to Rs. 30,000 while RGJAY offers cover up to Rs. 150,000 i.e. up to 5 times more.
In addition to this, under RGJAY scheme, people will have an option of treatment in government or private hospitals for 972 surgeries, therapies and procedures. Under this scheme, the state Government will pay a premium of Rs. 333 per family and this scheme is expected to benefit around 8 crore people of the total 12-crore population.
Highlights of RGJAY
Pre existing diseases: All Diseases under the proposed scheme shall be covered from day one. A person suffering from disease prior to the inception of the policy shall also be covered under approved procedures for that disease
Cashless transaction: It is envisaged that for each hospitalization the transaction shall be cashless for covered procedures. Enrolled beneficiary will go to hospital and come out without making payment to the hospital subject to procedure covered under the scheme.
Online claim settlement: The Insurance Company shall settle the claims of the hospitals online within 7 working days of receipt of the Originals bills, Diagnostics reports, Case sheet, Satisfaction letter from patient, Discharge Summary duly signed by the doctor, acknowledgement of payments of transportation cost and other relevant documents to Insurer for settlement of the claim.
Read more details about RGJAY Scheme
The RGJAY scheme will be launched in Nagpur by Sonia Gandhi and NCP Chief Sharad Pawar on Thursday, 21st November 2013.
