Main Features
The main features of the scheme are as follows.
i) Smart card based health insurance cover pf Rs. 30,000/- per family ( a unit of five) per annum on a family floater basis.
ii) All pre existing diseases to be covered.
iii) Hospitalization expenses, taking care of most of the illness, including maternity benefits.
iv) Transportation cost of Rs. 100/- per visit with an overall limit of Rs. 1, 000/- per annum.
v) The use of smart card, making the scheme truly cashless as also providing interoperability to facilitate use by migrant labour.
vi) Issue of smart card to the beneficiary on the spot in the village itself.
vii) Provision of issue of split cards enabling migrant workers to carry one card along with him/her work place.
viii) Use of Information Technology (IT) applications for delivering the insurance package.
ix) Use both public and private service providers for delivering the insurance package.
x) Seeking contribution by way of Registration fee, from the BPL beneficiary with a view to inculcating a sense of ownership in them.
xi) Allowing registration of BPL family member irrespective of their age.