Lok Sabha Question No. 2143 (UNSTARRED), answered on 2016-05-06
Subject: Health Insurance
Ministry: HEALTH AND FAMILY WELFARE
Asked by: BHAGWANTH KHUBA, GEETHA KOTHAPALLI, RAJESH VERMA, HUKUM SINGH

## GOVERNMENT OF INDIA MINISTRY OF HEALTH AND FAMILY WELFARE DEPARTMENT OF HEALTH AND FAMILY WELFARE

## LOK SABHA UNSTAR RED  QUESTION NO. 2143 TO BE ANSWERED ON 6 TH MAY, 2016

## HEALTH INSURANCE

## 2143. SHRI BHAGWANTH KHUBA: SHRIMATI KOTHAPALLI GEETHA: SHRI RAJESH VERMA: SHRI HUKUM SINGH:

Will the Minister of HEALTH AND FAMILY WELFARE be pleased to state:

- (a) whether the Government has taken cognizance that a majority of India's population li urban  and  rural  areas  are  not  covered  by  health  in surance  as  per  National  Sample  Survey Organisation (NSSO), if so, the details thereof and the reasons therefor;
- (b) whether the Rashtriya Swasthya Bima Yojana introduced by the Government has addresse the problem of Health insurance, if so, the details reof and the extent by which it has benefited the people;
- (c) whether the Government proposes to improve the above health insurance by merging it other schemes and enhancing the extent of insurance coverage, if so, the details thereof;
- (d) whether  the  Government  has  received  any  complaints  regarding  corruption  in  the  s scheme, if so, the details thereof; and
- (e) the corrective steps taken by the Government in this regard?

## ANSWER THE MINISTER OF HEALTH AND FAMILY WELFARE (SHRI JAGAT PRAKASH NADDA)

- (a):As per latest data report of National Sample Survey Office (NSSO) on Health and Morbid known as 'Social Consumption on Health' conducted during NSS 71 st round (January, 2014 - June, 2014), percentage of persons hav ing covered under any health insurance scheme is 14.1% in rural areas and 18.1% in urban areas.

As per information received from Insurance Regulatory and Development Authority o India (IRDAI), 28.80 crore persons were covered under health insurance polic ies provided by public sector & Private sector  during 2014 - 15 (including Government sponsored schemes like RSBY) which is 24% of India's total population.

Contd…….

(b): Rashtriya Swasthya Bima Yojana (RSBY) is a centrally sponsored scheme to prov ide health  insurance  to  Below  Poverty  Line  (BPL)  families  and  11  other  defined  categorie Unorganized  Workers  namely  Building  &  Other  Construction  Workers,  licensed  Railway porters,  Street  Vendors,  MGNREGA  workers  (who  have  worked  for  more  than  fifteen days during preceding financial year), Beedi workers, Domestic workers, Sanitation Workers, M Workers, Rickshaw pullers, Rag pickers and Auto/Taxi drivers.

Beneficiaries  enrolled  under  RSBY  are  entitled  for  health  insurance  coverage  of 30,000/ - per  annum  to  families  (a  unit  of  five)  on  floater  basis  in  government  empane hospitals (includes both private and public). Pre -existing conditions are covered from day one and there is no age limit. Transportation cost upto Rs. 100 is also provisioned under this

The  list  containing  state - wise  details  of  number  of  families  enrolled  and  benefitted (hospitalised) is at Annexure .

(c): The Hon'ble Finance Minister in his Budget Speech for 2016 - 17 on 29.02.2016 announced that 'Government will launch a new health protection scheme which will provide health cover up to Rs. One lakh per family belonging to poor and economically weak families. For Senio r Citizens of age 60 years and above, belonging to this category, an additional top - up package up to Rs. 30,000 will be provided.' Senior Citizens Health Scheme has been implemented w.e.f. 01.04.2016.

The scheme of convergence of RSBY with other schemes is yet to be approved.

(d)& (e) : Not applicable.

## Annexure

| RSBY Scheme: Statewise Status for Financial year -2015 16   | RSBY Scheme: Statewise Status for Financial year -2015 16   | RSBY Scheme: Statewise Status for Financial year -2015 16   | RSBY Scheme: Statewise Status for Financial year -2015 16   |
|-------------------------------------------------------------|-------------------------------------------------------------|-------------------------------------------------------------|-------------------------------------------------------------|
| S.No.                                                       | Statewise                                                   | Total Active Cards                                          | No. of Hospitalisation                                      |
| 1                                                           | Assam                                                       | 1421104                                                     | 23783                                                       |
| 2                                                           | Bihar                                                       | 6888208                                                     | 71351                                                       |
| 3                                                           | Chhattisgarh                                                | 3442749                                                     | 406781                                                      |
| 4                                                           | Gujarat                                                     | 1876628                                                     | 40271                                                       |
| 5                                                           | Haryana                                                     | 437850                                                      | Data Not Available                                          |
| 6                                                           | Himachal pradesh                                            | 480588                                                      | 31612                                                       |
| 7                                                           | Jharkhand                                                   | 1682894                                                     | 13686                                                       |
| 8                                                           | Karnataka                                                   | 6747207                                                     | 88571                                                       |
| 9                                                           | Kerala                                                      | 2021572                                                     | 322377                                                      |
| 10                                                          | Manipur                                                     | 70925                                                       | 1857                                                        |
| 11                                                          | Meghalaya                                                   | 179185                                                      | 10726                                                       |
| 12                                                          | Mizoram                                                     | 152983                                                      | 10733                                                       |
| 13                                                          | Odisha                                                      | 4462959                                                     | 158178                                                      |
| 14                                                          | Punjab                                                      | 232352                                                      | 1702                                                        |
| 15                                                          | Rajasthan                                                   | 2769097                                                     | 13420                                                       |
| 16                                                          | Tripura                                                     | 492022                                                      | 35021                                                       |
| 17                                                          | Uttarakhand                                                 | 285229                                                      | 839                                                         |
| 18                                                          | UttarPradesh                                                | 1464242                                                     | 7461                                                        |
| 19                                                          | West Bengal                                                 | 6150716                                                     | 358493                                                      |
|                                                             | Grand Total                                                 | 41258510                                                    | 1596862                                                     |