Wednesday, December 2, 2015

14 Health & Insurance Related GOI Schemes/Programmes For Competitive Exams

The government has launched many schemes to improve the overall health of people in India. We will also discuss here insurance programmes run by GOI.

Rashtriya Swasthiya Bima Yojana (RSBY)

RSBY  has been launched by Ministry of Labour and Employment, Government of India to provide health insurance coverage to Below Poverty Line (BPL) families.  The scheme started enrolling on April 1, 2008. The objective of RSBY is to provide protection to BPL households from financial liabilities arising out of health shocks that involve hospitalization. Beneficiaries under RSBY are entitled to hospitalization coverage up to Rs. 30,000/- for most of the diseases that require hospitalization. Coverage extends to five members of the family which include the head of household, spouse and up to three dependents and there is no age limit. Beneficiaries need to pay only Rs. 30/- as registration fee to get biometric smart card containing their photograph. The premium is shared on 75:25 basis by central and state governments. In a case of states of the northeast and Jammu & Kashmir, the premium is shared on 90:10 basis.

Employment State Insurance Scheme (ESIS)

Employees’ State Insurance Scheme of India, is a multidimensional social security system tailored to provide socio-economic protection to worker population and their dependants covered under the scheme. Besides full medical care for self and dependents, that is admissible from day one of insurable employment, the insured persons are also entitled to a variety of cash benefits in times of physical distress due to sickness, temporary or permanent disablement etc. resulting in loss of earning capacity, the confinement in respect of insured women, dependents of insured persons who die in industrial accidents or because of employment injury or occupational hazard are entitled to a monthly pension called the dependents benefit. The Act is applicable to non-seasonal factories employing 10 or more persons. The Scheme has been extended to shops, hotels, restaurants, cinemas including preview theatres, road motor transport undertakings and newspaper establishments employing 20 or more persons. It covers all the States except Manipur, Sikkim, Arunachal Pradesh and Mizoram.

Central Government Health Scheme (CGHS)

CGHS provides comprehensive health care facilities for the Central Govt. employees and pensioners and their dependents residing in CGHS covered cities.  CGHS was started in New Delhi in 1954, Central Govt. Health Scheme is now  in operation in all major cities.  The medical facilities are provided through Wellness Centres. The main components of the Scheme are:
- The dispensary services including domiciliary care
- Specialists consultation facilities both at dispensary, polyclinic and hospital
- level including X-Ray, ECG and Laboratory Examinations.
- Organization for the purchase, storage, distribution and supply of medicines and other requirements

Pradhan Mantri Swasthya Suraksha Yojana (PMSSY)

The scheme was approved in March 2006. PMSSY aims at improving the imbalances in the availability of affordable healthcare facilities in the different parts of the country, in general and augmenting facilities for quality medical education in the under-served States in particular.  The first phase in the PMSSY has two components - setting up of six institutions in the line of AIIMS; and upgradation of 13 existing Government medical college institutions. It has been decided to set up 6 AIIMS-like institutions, one each in the States of Bihar (Patna), Chattisgarh (Raipur), Madhya Pradesh (Bhopal), Orissa (Bhubaneswar), Rajasthan (Jodhpur) and Uttaranchal (Rishikesh) at an estimated cost of Rs 840 crores per institution.  In addition to this, 13 existing medical institutions spread over 10 States will also be upgraded, with an outlay of Rs. 120 crores (Rs. 100 crores from Central Government and Rs. 20 crores from State Government) for each institution.

 In the second phase of PMSSY, the Government has approved the setting up of two more AIIMS-like institutions, one each in the States of West Bengal and Uttar Pradesh and upgradation of six medical college institutions.
NOTE: PMSSY is not a PM Narendra Modi's current govt scheme, and should not be confused with PMSBY.

National AYUSH Mission (NAM)

 The Ministry of AYUSH is formed in 9th November 2014 for providing more healthcare to the public. The Department of Indian Medicine and Homeopathy (ISM&H) was created in March 1995 and renamed as Department of Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy (AYUSH) in November 2003.  The basic objective of NAM is to promote AYUSH medical systems.

National Rural Health Mission (NRHM)

NRHM  was launched to provide accessible, affordable and accountable quality health services to rural areas with an emphasis on poor persons and remote areas. Launched on 12th April 2005 by Indian Prime Minister Manmohan Singh, the NRHM was initially tasked with addressing the health needs of 18 states that had been identified as having weak public health indicators. Under the NRHM, the Empowered Action Group (EAG) States, as well as North Eastern States, Jammu and Kashmir and Himachal Pradesh, have been given special focus.
NRHM focuses on Reproductive, Maternal, Newborn, Child Health and Adolescent (RMNCH+A) Services. The emphasis here is on strategies for improving maternal and child health through a continuum of care and the life cycle approach.

The goals of the NRHM includes:
(i) reduction in Infant Mortality Rate (IMR) and Maternal Mortality Ratio (MMR);
(ii) universal access to integrated comprehensive public health services;
(iii) child health, water, sanitation and hygiene; (iv) prevention and control of communicable and non-communicable diseases, including locally endemic disease
(v) population stabilization, gender and demographic balance;
(vi) revitalize local health traditions and main-stream Ayurvedic, Yoga, Unani, Siddha and Homeopathy Systems of Health (AYUSH);
(vii) promotion of healthy life styles

National Urban Health Mission (NUHM)

NUHM envisages to meet health care needs of the urban population with the focus on urban poor, by making available to them essential primary health care services and reducing their out of pocket expenses for treatment.  NUHM would cover all state capitals, district headquarters and other cities/towns with a population of 50,000 and above (as per census 2011) in a phased manner. Cities and towns with population below 50,000 will be covered under NRHM.

Mission Indradhanush

Mission Indradhanush was launched on December 25, 2014. It aims to immunize all children against seven vaccine preventable diseases namely diphtheria, whooping cough (Pertussis), tetanus, polio, tuberculosis, measles and hepatitis B by 2020. In addition to this, vaccines for JE (Japanese Encephalitis) and Hib (Haemophilus influenza type B) are also being provided in selected states.  All vaccines are already available free of cost under universal immunisation programme in India.

Emergency Response Service 108

Emergency Response Service is a 24X7 emergency service for medical, police and fire emergencies, currently operational in 17 States & UT. The 108 Emergency Ambulance Service is a 24x7 service, which anyone can avail by dialling the number 108 on their phone during the case of any emergency. The number 108 is a toll-free number and can be dialed from any phone, be it a mobile phone or a landline, at the time of an emergency, without
any prefix or suffix.

108 should be dialed for the purposes mentioned below:
- To save a life
- To report a crime in progress
- To report a fire

National Tobacco Control Programme (NTCP)

India is the 2nd largest producer and consumer of tobacco and a variety of forms of tobacco use is unique to India.  The government of India launched the National Tobacco Control Programme (NTCP) in 2007- 08 in 42 districts of 21 States/Union Territories of the country.

The Government of India has enacted the national tobacco-control legislation namely, “The Cigarettes and other Tobacco Products (Prohibition of Advertisement and Regulation of Trade and Commerce, Production, Supply and Distribution) Act, 2003 in May 2003.
Main Provisions of the Act
- Prohibition of smoking in public places. Implement from 2, Oct 2008.in the whole of India.
- Prohibition of advertisement, sponsorship and promotion of tobacco products.
- Prohibition of sale of tobacco products near educational institutions
- Regulation of tar and nicotine contents of tobacco products.

Pulse Polio Immunization Programme

Pulse Polio Immunization Programme is an immunisation campaign established by the government of India in 1995-96 to eradicate poliomyelitis (polio) in India by vaccinating all children under the age of five years against polio virus. Pulse Polio Initiative was started with an objective of achieving hundred per cent coverage under Oral Polio Vaccine.

The last polio case in the country was reported from Howrah district of West Bengal with the date of onset 13th January 2011. Thereafter no polio case has been reported in the country. WHO on 24th February 2012 removed India from the list of countries with active endemic wild polio virus transmission.

National Tuberculosis Control Program

National Tuberculosis Control Program or Revised National Tuberculosis Control Program (RNTCP)is the state-run tuberculosis control initiative of the Government of India. It incorporates the principles of directly observed treatment-short course (DOTS).

The program provides, free of cost, quality anti-tubercular drugs. NTCP has been in operation in the country since 1962. This could not achieve the desired results. Therefore Revised National TB Control Programme (RNTCP), which is an application of WHO-recommended strategy of DOTS, was launched in the country on 26 March 1997.

RNTCP was implemented in the country in a phased manner and by 23rd March 2006 the entire country has been covered under RNTCP. The Programme is being implemented with assistance from World Bank, DFID, USAID, GDF and GFATM.

National AIDS Control Organization (NACO)

NACO is a Government of India organisation under the Ministry of Health & Family Welfare with the primary objective to control the epidemic in India.NACO was started in 1992. NACO also aims at facilitating and improving access to treatment for HIV+ people and also to promote and protect their human rights. With its first two phases already successfully over, NACP is currently in its 3rd phase and the overall goals of this phase is to halt and reverse the epidemic in India over the next five years by integrating programmes for prevention, care and support and treatment.

Aam Admi Bima Yojana

The government of India has approved the merger of Social Security Schemes viz., Aam Admi Bima Yojana (AABY) and Janashree Bima Yojana (JBY). The merged scheme is renamed “Aam Admi Bima Yojana” and has come into effect from 01.01.2013. The members should be aged between 18 years completed and 59 years nearer birthday.

The member should normally be the head of the family or one earning member of the below poverty line family (BPL) or marginally above the poverty line under identified vocational group/rural landless household. The premium to be charged initially under the scheme will be Rs.200/- per annum per member for a cover of Rs.30,000/-, out of which 50% will be subsidized from the Social Security Fund . In case of Rural Landless Household (RLH) remaining 50 % premium shall be borne by the State Government/ Union Territory and in case of other occupational group the remaining 50% premium shall be borne by the Nodal Agency and/or Member and/or State Government/ Union Territory. Upon the death of a member, during the period of insurance cover the Sum Assured of Rs.30,000/- under assurance, then in force, shall become payable to the nominee.


See also PMSBY & PMJBY in the same category, click here to read more.

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