What you need to know about RGHS packages & their codes
RGHS, which stands for Rajasthan Government Health Scheme, was introduced in September 2021. It’s a government health insurance scheme aimed at state government employees, pensioners, and other
RGHS, which stands for Rajasthan Government Health Scheme, was introduced in September 2021. It’s a government health insurance scheme aimed at state government employees, pensioners, and other people employed directly under the state government. RGHS has been a huge success, with over 10 lakh beneficiaries registered online RGHS portal. RGHS is a web-based application where the application and claim settlement process is completely online. The online nature of this scheme makes it crucial that you as an individual learn various details of the scheme, as you would need the knowledge to navigate and adequately use the software. So, continue reading this article to aid your knowledge about RGHS packages and their codes.
What are RGHS packages & package codes?
RGHS packages are the exact itemized treatment options covered under the scheme. This list of packages covers in excruciating detail every condition and the precise treatment option that is covered under the scheme. To make tracking easier, each package that is a treatment for any covered condition is labeled using a packaging code. The list also mentions the NABL, non-NABL, NABH, and non-NABH rates of all the treatment options mentioned in the list. This helps you know the exact cost of any treatment you have gone through and use that data to fill out your reimbursement form accordingly. If you opt for cashless medical treatment, the hospital will submit the invoice to the government with the package code and the approved rate of the treatment you got to get their payment.
Why did you need to know about RGHS packages & their codes?
You would want to learn about the RGHS packages and their codes for two reasons.
Understanding coverage of RGHS
RGHS offers comprehensive coverage of various critical and day-to-day health conditions. As this scheme was introduced post-COVID, COVID-19 infections of beneficiaries and family members are offered under this scheme. So, studying the list can help you understand all the various treatment options covered under this scheme. This knowledge can help you understand if the scheme is right for you or not. Moving on to the next point
Learning the NABL & NABH rates of all RGHS packages
If you are going through any medical condition covered under the scheme, learning about its cost can help you determine the timeframe of your treatment. If you have any medical emergency, the cost you bear for your treatment is also reimbursable per the scheme. However, to settle your claim, you must present the government with the exact details of your treatment cost very minutely. This data will then be verified, and only then will your claim be settled. So, to ensure that your claim is settled and not rejected, you must learn about the packages and their details.
Where can you learn about RGHS packages & codes?
As the entire RGHS platform is based on the internet, all data regarding this scheme is available on the official scheme website, rghs.rajasthan.gov.in. To make life a bit easier, here is a downloadable package list pdf with all the information about every treatment option available under the scheme.
Downloadable package list pdf; this list contains all the package information, including the price of each treatment as per NABL and NABH.
A list of all the items in medical treatment that are not covered under the scheme is also mentioned below to help you learn more about the items or services that are not covered under the scheme.
Downloadable exception list for learning about the exceptions to the scheme for which the claim will not be settled.
Conclusion
RGHS is a great health insurance scheme with considerable coverage and affordable pricing accessible to everyone. So, if you are a beneficiary of RGHS, be sure to visit and get your treatment from MediPulse for the best treatment experience and the fastest recovery from your ailments. For more information, be sure to go through MediPulse hospital’s website.
What is CGHS & RGHS & why you should learn about it.
RGHS and CGHS, respectively, stand for Rajasthan Government Health Scheme and Central Government Health Scheme. As the name suggests, both of these schemes are health insurance offered by the state of
RGHS and CGHS, respectively, stand for Rajasthan Government Health Scheme and Central Government Health Scheme. As the name suggests, both of these schemes are health insurance offered by the state of Rajasthan and the central government of India, respectively. Even though both schemes are to provide affordable healthcare to citizens, the coverage, eligibility, and categorization of these schemes differ drastically. So, in this article, let’s learn more about both CGHS and RGHS so you can understand which scheme is better for you.
What is CGHS?
CGHS was introduced in 1954, and it still continues to function to this day. It is one of the biggest health insurance schemes in the world that covers all employees and families of currently working and retired central government employees. Even after existing for over 50 years, the popularity of CGHS has not declined at all because of the comprehensive coverage it provides beneficiaries. Apart from traditional allopathic treatment, CGHS also provides coverage for Ayurvedic, Siddhi, Yogic, Unani, Naturopathy, and Homeopathy treatments. Undoubtedly, this is one of, if not the most comprehensive lists of treatment opportunities available for beneficiaries among government health insurance schemes in India..
Facilities provided under CGHS
Here is a list of all the medical treatment facilities that you and your family can avail of under the CGHS scheme as a beneficiary.
Maternity, child health services, and family welfare
OPD treatment (only at empanelled/approved hospitals)
Reimbursement of medical treatment costs associated with the treatment of medical emergencies
Doctor consultations and checkups at government hospitals and clinics
Cashless medical treatment for pensioners and beneficiaries who have notified the government in advance at empanelled/approved hospitals
Who is eligible for the CGHS scheme?
CGHS scheme, as the name suggests, is available for employees and pensioners of the central government of India. The detailed list of beneficiaries that can avail of the CGHS scheme is mentioned below.
Employees of the railway board
Police staff/personnel working in the national capital Delhi
PIB accredited journalists that cover Delhi
Freedom Fighters
Members of Parliament, current and previous
Former vice president
All governors and lieutenant governors of Indian states
Pensioners who receive their pay from the Central Civil Estimate
All current government employees, including their families (dependants) that live or are employed in CGHS, covered areas of the country.
What is RGHS?
RGHS was introduced in September 2021 as the medical insurance provider for all personnel and government staff of the Rajasthan state government. This scheme is entirely online, and the application process and reimbursement processes can all be done paperlessly. The RGHS scheme also offers coverage only within the state of Rajasthan at empanelled/approved hospitals.
Facilities provided under RGHS
Even though the RGHS scheme does not offer a wide range of treatment options for its beneficiaries, they are still eligible for traditional allopathic treatment at some of the top hospitals in Rajasthan for a variety of illnesses and conditions. Here is a list of all the facilities provided under RGHS.
OPD treatment
Cashless facilities for daycare, IPD medical services
Family welfare, child and mother health services
Diagnostic tests or medical investigations at government empanelled/approved diagnostic centers.
Who is eligible for the RGHS scheme?
RGHS scheme is dedicated to the government employees and pensioners of the Rajasthan state government. However, the complete list of eligible applicants for this scheme is mentioned below.
Members of the legislative assembly in the state of Rajasthan, current and former, including their families that permanently reside in Rajasthan
Current employees and pensioners of the Rajasthan state government
Judges and ex-Judges of the state
Conclusion
CGHS and RGHS don’t have much overlap in terms of their eligibility, as they are aimed at different beneficiaries. If, by any chance, you are eligible for both schemes, be sure to choose one based on the factors presented in this article. However, when it comes to the actual medical care, regardless of your coverage RGHS or CGHS, you can visit MediPulse hospital for approved coverage for most government health schemes. For more information, you can visit the MediPulse hospital website.
Valve surgery: Chiranjeevi vs RGHS
Valve surgery is one of the costliest heart surgeries in India. It doesn't matter from where you are getting the treatment, and the overall expenses are so high that often people need to take medical loans to
Valve surgery is one of the costliest heart surgeries in India. It doesn't matter from where you are getting the treatment, and the overall expenses are so high that often people need to take medical loans to proceed further. Besides, the expenses after surgery are also quite hefty. As this is a very common surgery, you must get yourself registered with one of the government-based medical insurance schemes.
The two most crucial insurance plans in India are RGHS and Chiranjeevi. After the central government passed circulations for these insurance schemes, people got the chance to get the right treatment they needed without worrying much about expenses and finances. However, while both these schemes have become quite popular, it can be difficult to decide which is the right option for complicated surgeries like heart valve surgeries.
As making the decision is not easy, we have described both these schemes in the below section. With this, you can easily make a well-informed choice.
Why do you need medical insurance for heart valve surgery?
It is not just the high costs of heart valve surgeries for which you need medical insurance. However, most people do not consider other benefits of an insurance plan, so we have listed the below section.
First, the insurance plans reduce worries about arranging the finances needed to complete the surgery.
Most medical insurances cover treatment costs, from surgery to after-care, medicines, and so on.
There won't be any delay in the treatment since the money will be wired to the hospital immediately after approval.
Your investment in the insurance premium is much less than what you had to spend on the surgery.
What is Chiranjeevi's insurance plan?
In 2021, Ashok Gehlot, the Chief Minister of Rajasthan, issued the Chiranjeevi insurance plan to support the medical expenses of people from the lower economic and below-poverty line sections. According to the terms and conditions, the maximum amount that one can get to meet medical expenses is INR 5 lakhs. It is applicable for government and private hospitals, provided they are affiliated with this insurance plan.
Benefits of Chiranjeevi insurance
Thanks to the Chiranjeevi insurance plan, you can enjoy a wide range of benefits, some of which are mentioned below:
The premium to be paid for this health insurance scheme is approximately INR 850 per family.
Apart from covering hospitalization expenses, this scheme also provides other costs. This insurance scheme will address expenses five days prior to hospitalization and 15 days after discharge.
One can receive treatment from most hospitals, both private and government.
No need to submit the cash payments at the billing center because Chiranjeevi is completely cashless.
What is RGHS?
RGHS, or Rajasthan Government Health Scheme, was launched in 2021 to help the financially weaker section with funds for their health treatments. According to this, employees appointed after 2004 can get cashless treatment up to INR 10 lakhs. On the other hand, those appointed before 2004 can enjoy unlimited outdoor treatment facilities at no expense. Apart from this, each family can spend up to INR 20,000 annually on outdoor treatments.
Benefits of RGHS
This new health insurance scheme is launched to provide financial assistance to pensioners and working employees.
For this, employees won't have to pay the entire EMIs. Instead, 50% of the calculated amount will be deducted from their paycheck.
Every family can opt for INR 5 lakhs as financial assistance in case of major and complicated treatments, like heart valve surgery.
Conclusion
Once you meet the eligibility criteria for these insurance plans, you won't have to worry about getting proper treatment for valve surgery. Just ensure to choose the suitable medical insurance scheme according to your requirements. and if you find any problems, you can contact Medipulse hospital TPA cell for more information.
How to check your RGHS balance?
With the launch of RGHS or Rajasthan Government Health Scheme in 2021, most people with different economic slabs can now avail the best medical treatment. The scheme was formulated for active.
With the launch of RGHS or Rajasthan Government Health Scheme in 2021, most people with different economic slabs can now avail the best medical treatment. The scheme was formulated for active employees and pensioners to easily help funds for outpatient and inpatient treatment procedures. For complicated health treatments, every registered family will get a maximum fund valuation of INR 15 lakhs and an annual amount of INR 20,000.
With so many wonderful benefits, almost 13 lakh families have registered for this scheme. Different fund types are offered to each family, so you should know the right process to check the balance. This will help you spend the fund properly without any hurdles. Below, we have discussed the best ways to check your RGHS balance online in the easiest possible manner.
How to check the RGHS balance online?
Before raising any claim or opting for cashless OPD treatment, you must check the RGHS balance left under your or your family's name. To do so, You can take the actions listed below. and complete the task in minutes.
To begin with, you must go to the official platform of Rajasthan SSO.
Once you are on the official site, enter your name, password, captcha, and other login details to enter your account.
You need to search for the RGHS portal link, as you will be redirected to the homepage.
If you cannot view the same on the website as it is, To hasten the procedure, utilise the search bar.
Click on the link, and a new portal will open up for RGHS.
Here, you will get a complete list of options for performing different operations against the RGHS account.
Click on the last option saying RGHS card limit tracker.
Once you click on the button, a popup window will appear and show the remaining balance. You have the total balance and the use one.
There will be two windows. The first one is for OPD or outpatient, and the second one is for IPD or inpatient.
Things you need to consider while checking the RGHS balance
Several things need to be considered before you start checking the RGHS balance. In this following section, we have illustrated the essentials you must gather beforehand.
You should have a valid account on the Rajasthan government's SSO platform.
Apart from this, you get the RGHS card because the card number will be required when checking the RGHS balance.
You must have all the documents or transaction history against the RGHS card to ensure the balance shown on the website is right.
Pre-approved and post-approved medical expenses with RGHS
The RGHS claim scheme offers IPD and OPD treatment funds, unlike other insurance schemes. If you do not have any clear idea about these two sub-schemes, the below description will help you understand the entire concept.
In inpatient treatments, you need to pay the bills first. Once done, you can submit all documents to the claim portal for the insurance amount. You also need to show valid ID proof for verification.
The outpatient claim is mostly cashless. You can easily pay for consultations, therapies, lab treatments, and pharmacies. Here, you won't have to worry about paying the amount from your pocket. Instead, the entire transaction will happen directly between the insurance provider and your company.
Conclusion
Now that you know the entire process for checking the RGHS balance ensure to run an eye over the balance limit before booking the consultation for anything else. and if find any problems, you can contact Medipulse hospital TPA cell for more information.
Can you get treatment for mouth cancer under the chiranjeevi scheme?
Mouth cancer is a severe disease that affects thousands of people in India every year. Mostly, this cancer affects people that regularly intake nicotine and tobacco products. It is estimated that on average, every
Mouth cancer is a severe disease that affects thousands of people in India every year. Mostly, this cancer affects people that regularly intake nicotine and tobacco products. It is estimated that on average, every hour, 5 people in India die from mouth cancer, and around 20 in every 10,00,000 in the population of India suffer from the disease.
The shocking prevalence of this disease in India caught the attention of the government, and when in 2021, the Rajasthan state government, under the leadership of Mr. Ashok Gehlot, introduced the Chiranjeevi scheme, which is a state-provided public health insurance scheme, treatment for mouth cancer was covered under the program. For patients suffering from mouth/oral cancer, there are only a few treatment options under this condition, most of which are covered under the Chiranjeevi scheme. Let’s look at the types of treatments available for mouth cancer and how you can avail them under the Chiranjeevi scheme.
Types of Treatments Available For Mouth Cancer
One of the key parts of cancer treatment is diagnosing cancer in its early stages. Getting proper cancer screening regularly is essential, especially if you use tobacco products or if you are a smoker. Once you go through cancer screenings and you get diagnosed, there are a few treatment options that can be used for treating your condition. Here are some of the treatment options used for treating mouth cancer.
Chemotherapy
Chemotherapy is a type of medicinal treatment for cancer that uses very strong chemicals to kill the cancer cells inside your body. Chemotherapy is one of the most common cancer treatments in India for oral/mouth cancer. Chemotherapy treatment is often used in combination with radiation therapy to treat cancer. This type of treatment is very effective in the early stages of cancer. In the case of advanced cancer stages, this treatment loses effectiveness up to a certain extent.
Radiation Therapy
Radiation therapy uses types of x-ray radiation to kill the malignant cancer cells inside your body. Radiation therapy is really good for treating mouth cancer, and it is used in conjunction with chemotherapy generally for treating cancer. Radiation therapy is also very effective if you are affected by cancer in the early stages. In the advanced stages, radiation therapy also loses efficacy as a treatment for mouth cancer.
Oncosurgery
Oncosurgery is a type of surgical procedure where the cancer-affected part of your body is surgically removed along with some of the healthy parts as well. This is done to protect your body from getting affected by cancer again. Oncosurgery is an aggressive surgical procedure used as a final treatment option for mouth cancer. Oncosurgery is generally used for patients suffering from advanced stages of cancer. Oncosurgery has side effects that hinder the patient’s ability to speak or chew food later because a major part of the mouth and cancer-affected regions are removed surgically.
Final Thoughts
Under the Chiranjeevi scheme by the Rajasthan state government, all the treatment options mentioned in this article are offered to beneficiaries under the limit of ₹5,00,000 per year for a family. Now that you understand the seriousness of mouth cancer, make sure that you go for regular cancer screenings when you reach above a certain age.
If you are a beneficiary of the Chiranjeevi scheme and suffer from mouth cancer, be sure to visit Medipulse hospital, the best tertiary care hospital in Jodhpur. You will get the best quality treatment for any cancer condition at Medipulse under the guidance of very qualified doctors and medical professionals. For more information, be sure to visit the hospital website.
What is RBSK & what treatments can you get at RBSK hospitals
From 2005 to 2012, there was a significant movement that reduced child mortality under the National Rural Health Mission program. Based on data from March 2006, out of every 100 babies, 6 to 7 children had
From 2005 to 2012, there was a significant movement that reduced child mortality under the National Rural Health Mission program. Based on data from March 2006, out of every 100 babies, 6 to 7 children had congenital disabilities in the country. There was a dire need to improve early detection and management of conditions not included in the past mission to improve child health.
The Rashtriya Bal Swasthya Karyakram (RBSK) was an ambitious and innovative initialisation involving Child Health Screening and Early Intervention Services. It was invented in 2013 by the Ministry Of Health and Family Welfare under the National Health Mission. This initiative focuses on screening and managing health conditions of children from birth to 18 years of age.
RBSK was a systemic approach to the early identification of the medical condition for the mentioned age group with the goal of delivering care, support, and proper treatment. Now that you know the basics, let’s learn more about RBSK hospitals the conditions they screen and provide treatments for children.
The Targeted Beneficiaries of the RBSK Program
Various nutritional deficiencies and development delays affect preschooling children in India. The RBSK program aims to cover children 0-6 years of age in rural areas, and children from class 1 to 12 in government and government-aided schools. An estimated beneficiary of this service was about 27 crore in a phased manner. The children mentioned above have been categorised into three groups as per their age.
Babies born at home or any public health facilities (Age up to 6 weeks)
Preschool children in rural and urban slums both (Age from 6 weeks to 6 years)
Children enrolled in Government and Government-aided schools (Class from 1 to 12)
Health conditions to be screened for Child Health and Early Intervention Services
Early Intervention and Child Screening Services aim to cover 30 selected conditions for screening. When a child is screened and positively diagnosed for any of these selected conditions, it is ensured that the necessary treatment will be delivered free of cost to the family. Here is a list of all the selected conditions that are covered by the program.
Defects at Birth
Down Syndrome
Neural Tube defect
Developmental dysplasia of the hip
Congenital heart diseases
Congenital cataract
Congenital deafness
Talipes (club foot)
Cleft Lip & Palate / Cleft palate alone
Retinopathy of Prematurity
Development Delays and Disabilities
Hearing Impairment
Language delay
Vision Impairment
Neuro-motor Impairment
Motor delay
Cognitive delay
Deficiencies
Severe anaemia
Vitamin D Deficiency
Vitamin A deficiency
Severe Acute Malnutrition
Goitre
Disease of Childhood
Skin conditions
Dental conditions
Otitis Media
Reactive airway disease
Rheumatic heart disease
RBSK Program in Rajasthan
Rajasthan has achieved a record of conducting free heart surgeries of more than 1000 children to date. For the RBSK program, the health department pays Rs 60,000 to 2 lakhs per surgery for those parents who could not bear expenses for their children. The health department conducts screening of children up to 19 years, and if they are diagnosed with diseases, the health department helps them get free treatment.
One of the shining beacons of the RBSK program in western Rajasthan has been Medipulse hospital which has completed the most number of congenital heart procedures under the program. If you are entitled to the scheme and your child is suffering from any of the 30 conditions covered under the program, you can surely visit Medipulse hospital for the best medical care and free of cost treatment. You can learn more about the scheme treatment processes by visiting the hospital or by going through the official hospital website.
What’s Covered Under Chiranjeevi Health Insurance
In the budget session of 2021-22, the Chief Minister of Rajasthan, Mr Ashok Gehlot, announced the state’s health insurance scheme that aims to provide universal health insurance to all citizens of Rajasthan up to 5 lakh rupees.
In the budget session of 2021-22, the Chief Minister of Rajasthan, Mr Ashok Gehlot, announced the state’s health insurance scheme that aims to provide universal health insurance to all citizens of Rajasthan up to 5 lakh rupees. The Chiranjeevi health insurance scheme is the first universal health scheme provided by any state government in India. This scheme aims to provide cashless medical insurance facilities to all citizens of the state up to 5 lakh rupees. Now that you are clear on the Chiranjeevi health insurance and its features let’s take a closer look into what illnesses and medical problems are covered under the Chiranjeevi health insurance.
Coverage Details For Chiranjeevi Health Insurance
The Chiranjeevi health scheme of Rajasthan is a one of a kind scheme that will undoubtedly help the 82.4 million population of Rajasthan. This scheme covers many illnesses and diagnostic tests. A total of 1576 medical tests are covered under the scheme. Diseases such as black fungus and COVID-19 are also brought under the scheme.
Any person enlisted for the scheme can avail care for various chronic and non-chronic diseases coverage up to 5 lakh rupees at the registered hospitals under the scheme at Rajasthan. The hospitals can not charge any money from the patient if they are enrolled on the Chiranjeevi scheme. For people under the poverty line in Rajasthan, the Chiranjeevi scheme offers them hemodialysis services under the scheme as well.
The Chiranjeevi scheme also covers any medical cost, including the cost for medical tests up to 15 days after the patient is discharged from the hospital under its cashless facilities. This means that a patient does not have to pay for the post-discharge medical tests and other patient care services up to 2 weeks after their discharge as well. However, it is important to note that the scheme only offers cashless facilities for the 1576 medical tests that are officially enlisted under the Chiranjeevi scheme.
If the patient is diagnosed with any health problem or disease not covered under the scheme, they will be adequately informed that their diagnosis and further treatment will not be covered under the scheme, and they have to pay for the treatment themselves. This is the same if the patient is ordered any medical test that is not officially listed under the scheme guidelines. The patient will be required to pay for the test themselves. For detailed information regarding which diseases are covered under the scheme and which medical tests are covered under the scheme, you can visit this link. Or you can call the toll free helpline number, 18001806127.
Conclusion
The Chiranjeevi health scheme of Rajasthan has a huge potential for helping the underprivileged parts of the population of Rajasthan in availing best in class healthcare services. This is sure to reduce the rate of mortality in different parts of the population as well. If you are a permanent citizen of Rajasthan, you can visit this link to start your registration process for enrolling on the Chiranjeevi scheme. The scheme has been put into effect since May of 2021.
How To Register For Chiranjeevi Health Insurance?
Before we find out how to register for the Chiranjeevi Health Insurance, let us take a brief look at what Chiranjeevi Health Insurance is. The Mukhyamantri Chiranjeevi Yojana 2021 is a health insurance scheme that was announced by the present chief minister of Rajasthan, Mr Ashok Gehlot, on 24 February in 2021’s Budget Speech.
What is Chiranjeevi Health Insurance?
Before we find out how to register for the Chiranjeevi Health Insurance, let us take a brief look at what Chiranjeevi Health Insurance is. The Mukhyamantri Chiranjeevi Yojana 2021 is a health insurance scheme that was announced by the present chief minister of Rajasthan, Mr Ashok Gehlot, on 24 February in 2021’s Budget Speech. The key benefit of this scheme is to improve the healthcare services in Rajasthan by providing cashless health aid to the citizens. The beneficiaries of this scheme can procure up to ₹5 lakhs of Health Insurance.
All the citizens of Rajasthan can apply for this scheme, although it was announced for those people who were unable to get the benefits of the Socio Economic Caste Census and National Food Security Act. The budget of this health insurance scheme is around ₹3,500 crores. The budget was set by Mr Gehlot so that the health insurance scheme could be successfully implemented efficiently during a crisis period like the COVID-19 Pandemic. The Chiranjeevi scheme can turn out to be extremely helpful to the people who belong to the BPL category and do not have the means to carry out heavy medical treatment expenses.
The registration process for the Chiranjeevi scheme
You need to make sure of certain prerequisites before starting your registration process for the Chiranjeevi scheme. One of the most important prerequisites for registering for the Chiranjeevi scheme is to have your Janaadhar card. You must also not be a government employee or an elected representative of the government to avail the Chiranjeevi scheme. Based on your income status, the features available to you under the Chiranjeevi scheme might be different, so it is important to keep your income certificate with you, especially if you fall under the poverty line.
For starting your registration process for the scheme, you have to visit www.sso.rajasthan.gov.in/register. You can then follow the steps as directed and complete your registration process for the Chiranjeevi scheme. As a beneficiary, you will be entitled to medical coverage not only for yourself but also for your dependents. During the registration process for the Chiranjeevi scheme, you will be required to provide pictures and Janaadhar numbers of your dependents to enrol them under your medical coverage. Each beneficiary gets coverage up to 5 lakhs, including their dependents. Each dependent individually does not get coverage of up to 5 lakhs.
Conclusion
The registrations for the Chiranjeevi scheme are currently open. This scheme has been put into action since May of 2021. You might have to pay a premium of around 850 rupees per year to avail of the Chiranjeevi scheme. The Chiranjeevi scheme is a great opportunity for the citizens of Rajasthan to get quality healthcare services. It will inevitably reduce the mortality rate in the state and help people live healthier lives. Rajasthan is the first state in India to introduce universal insurance coverage for all citizens. The success of the Chiranjeevi scheme can encourage other state governments to also implement such coverage plans for their state populations.
RGHS vs Chiranjeevi Health Insurance
The Rajasthan government headed by the chief minister Mr Ashok Gehlot introduced two health schemes for the citizens of Rajasthan in 2021. These schemes have great potential and offer unprecedented opportunities for healthcare to the citizens of the state.
The Rajasthan government headed by the chief minister Mr Ashok Gehlot introduced two health schemes for the citizens of Rajasthan in 2021. These schemes have great potential and offer unprecedented opportunities for healthcare to the citizens of the state. Both of these schemes have similarities and differences. So, let’s take a closer look into the similarities and differences between these two schemes and how you can benefit from each.
Similarities between Chiranjeevi and RGHS scheme
Both of these schemes are offered to and only the citizens of Rajasthan. The Chiranjeevi scheme can be availed by temporary residents of Rajasthan as well under certain provisions. Temporary residents can not avail themselves of the RGHS scheme of Rajasthan.
Both these schemes offer cashless medical health facilities at any of the registered hospitals under the scheme up to 5 lakh rupees. Both these schemes offer cashless medical facilities to beneficiaries at almost all the government and private hospitals in the state.
The registration process for both of these schemes is performed online.
These are some of the similarities between the two schemes. Now, let’s take a look at the different benefits and differences between each of these schemes.
Chiranjeevi Health Scheme
The Chiranjeevi health scheme introduced by the state government of Rajasthan is a health scheme for all the citizens of the state. Regardless of their financial standing, each citizen of the state is entitled to cashless healthcare facilities up to 5 lakh rupees for various illnesses and health problems. The coverage includes and is not limited to the care and treatment of patients suffering from COVID-19 and black fungus. Other than that, this scheme also beneficiaries below the poverty line to avail hemodialysis services under medical treatment. Diagnostic tests, as well as patient care up to 15 days after their discharge from the hospital, are also covered under the Chiranjeevi health scheme. This scheme can be availed as many times as a beneficiary needs in a year with no limitations except for the coverage limit of 5 lakh rupees.
Rajasthan Government Health Scheme (RGHS)
The RGHS was introduced alongside the Chiranjeevi scheme, but the RGHS scheme is reserved only for people that are excluded from availing the Chiranjeevi scheme. Government employees, Members of the Legislative Assembly, judges can avail themselves of the RGHS instead of the Chiranjeevi scheme. In terms of benefits, Chiranjeevi and RGHS are similar. However, the beneficiary does not need to pay any premium for availing RGHS. The list of diseases and medical tests covered under RGHS are also similar to that of the Chiranjeevi scheme, and beneficiaries can avail themselves cashless medical facilities at any government and private hospital in Rajasthan up to 5 lakh rupees under RGHS as well. Diseases like COVID-19 and black fungus are also covered under RGHS.
Conclusion
The Chiranjeevi scheme and RGHS are both exceptionally great medical facilities that are sure to help a great majority of the population of Rajasthan. With universal healthcare facilities being available to the mass population, this is sure to reduce the mortality rate in certain parts of the population and provide quality healthcare facilities to them.
Mukhya Mantri Chiranjeevi Swasthya Bima Yojana
Since the COVID-19 outbreak in 2020, many people have been forced to give up their savings for the treatment of their families or for themselves. While the beds at the government hospitals were always occupied, many had to rush to the private hospitals at times of an emergency.
Since the COVID-19 outbreak in 2020, many people have been forced to give up their savings for the treatment of their families or for themselves. While the beds at the government hospitals were always occupied, many had to rush to the private hospitals at times of an emergency. It made a considerably large hole in the pockets of the middle-class Indians.
Recently, in view of the current situation, a health insurance scheme was launched by the name of 'Mukhyamantri Chiranjeevi Swasthya Bima Yojana' by the chief minister of Rajasthan, Ashok Gehlot. This state-operated scheme is supposed to offer cashless treatment to the residents of the state. Let's dive into details and learn about the different benefits this scheme is supposed to offer to the citizens of Rajasthan.
What is the Scheme?
The Mukhyamantri Chiranjeevi Swasthya Bima Yojana is one of the cheapest and most useful healthcare policies. It is launched to offer cashless annual insurance cover of up to Rs. 5 lakhs for all Rajasthan citizens who need to pay a premium of Rs 850 per family.
Launched about four months ago, the Mukhyamantri Chiranjeevi Swasthya Bima Yojana has already managed to offer its facilities to more than 1.2 lakhs people of Rajasthan. Besides that, according to recent reports, 80% of the total population of Rajasthan, which is 1.3 crore families, has already registered under this scheme.
Who can benefit from it?
This healthcare insurance scheme has been launched to offer quality treatment to specifically those families who belong to the BPL. The Mukhyamantri Chiranjeevi Swasthya Bima Yojana has been introduced for giving access to an affordable health scheme facility to the economically weaker sections of society. Each and every individual of the eligible families can avail this scheme through an easy application process.
However, here is the complete list stating who all can apply for this scheme:
● NFSA (National Food Security Act) Card Holders
● Contractual farmers
● SECC (Socio Economic Caste Census 2011) beneficiaries
● Marginal as well as small farmers
● Families belonging to COVID-19 ex-gratia list
● Samvida workers of all departments
● Jan Adhar Card Holder Families
Details About the Scheme
The Chief Minister of Rajasthan has launched this beneficiary scheme on 1st April 2021. The registration process for availing this scheme has started area-wise already. However, one can also register through the online portal of the Rajasthan state government.
Documents needed for the registration process:
● Aadhar Card
● Mobile number
● Passport size photograph
● Address Proof
● Ration Card
● Income certificate
● Bank Account statement
● BPL Certificate
Ways to register for this Scheme:
● By visiting the nearest camp:
● Through the official website of the State Government of Rajasthan:
Benefits offered by the Scheme:
● The beneficiaries are being provided with health insurance of Rs 5 lakhs, for which they need to pay a premium amount of Rs 850 per family on a yearly basis.
● Individuals registered under this scheme can avail treatment options from both private and government hospitals that are affiliated with this scheme.
● This is the first scheme of the Rajasthan State Government that offers the applicants cashless treatment from the hospitals enrolled under the scheme.
● The beneficiaries will be getting advantages for a total of 1576 medical tests and all kinds of treatments for different diseases, along with COVID and black fungus.
● The scheme is also supposed to cover the medical expenses for 5 days before the hospitalization of the patient, along with fifteen days of discharge.
What are the terms and conditions of the scheme?
● Applicants need to prove that s/he is a permanent resident of Rajasthan in order to avail different features offered by the scheme.
● The registration process is free only for NFSA cardholders belonging to the families included in the SECC 2011, contractual workers, and marginal farmers.
● The insurance will cover medical expenses up to Rs. 5 lakhs for the Rajasthan residents who need to pay a premium of Rs. 850 per family.
● This scheme has enlisted 756 government/public hospitals and more than 450 private ones for extending their services to the people registering for the scheme.
● The government has set up a call centre, which stays active 24x7 and handles all the complaints and issues faced with the scheme with utmost dedication and care.
● The state government has assigned Nodal officers at every zone to check whether the complaints are getting resolved instantly or not or to check whether the beneficiaries are getting all their due services from the enlisted hospitals.
● According to the state government's rule, no enlisted hospital under the scheme is allowed to charge a penny for the treatment of mucormycosis or COVID-19. Under any circumstances, if a hospital charges money for the treatment related to COVID-19 or black fungus, the complete amount will be refunded to the beneficiary immediately.
Ayushman Bharat vs Chiranjeevi Health Insurance Scheme
The Central Government had rolled out the Ayushman Bharat scheme in the starting months of 2018 for offering essential healthcare needs to the financially weaker sections of the society. After that, several state governments launched similar healthcare schemes.
The Central Government had rolled out the Ayushman Bharat scheme in the starting months of 2018 for offering essential healthcare needs to the financially weaker sections of the society. After that, several state governments launched similar healthcare schemes. The 'Chiranjeevi Swasthya Bima Yojana' is the most recent one, introduced by the Rajasthan State Government.
The West Bengal State government had launched a similar scheme in 2016, which is the 'Swasthya Sathi Scheme', while one of Odisha's is known as the 'Biju Swasthya Kalyan Yojana'. Even Telangana has a similar healthcare scheme for its state residents, known as the 'Aarogyasari Yojana'.
However, in the following section, we will discuss and compare only the 'Ayushman Bharat Yojana' and 'Chiranjeevi Swasthya Bima Yojana'. Read ahead to find out the complete details about these two schemes and know which offers a better range of advantages to its beneficiaries.
Ayushman Bharat
What is the scheme?
To cover the costs of all types of secondary and tertiary hospitalization care offered to the poor and deprived section of the country, Ayushman Bharat medical insurance scheme was launched in 2018. The main aim of this scheme is to offer free medical treatment to the economically weaker sections of society, which is around 40% of the country's total population.
The healthcare insurance is supposed to cover a sum of Rs. 5 lakhs for over 50 crore Indian citizens. From the treatment costs, diagnostics to medicines and pre-hospitalization costs, each and everything is covered by this central government launched - medical healthcare scheme.
Who can benefit from it?
There are over 10 crores enlisted low-income families all around the country. The Ayushman Bharat Yojana is designed to offer treatment options to underprivileged people in rural and urban areas. One can easily check the occupational categories or other eligibility criteria of availing this scheme by visiting the official portal of the scheme.
Details about the scheme:
● This scheme is offering Rs. 5 lakhs coverage per family annually for meeting the secondary and tertiary health care needs across various public and private hospitals all over the country, whichever is affiliated to this scheme.
● An approx of 50 crore families are eligible to avail this cashless hospitalization option.
● This scheme does cover medical and diagnostics expenses of the prior three days to hospitalization and 15 days post-hospitalization expenses.
● The scheme incorporates more than 1393 medical procedures and covers all pre-existing conditions since the first day of treatment.
● Irrespective of age, gender, and family size, this scheme can be availed with ease.
What are the terms and conditions of the scheme?
● If a beneficiary goes through several surgical procedures, the surgery which is the costliest will be covered in the first instance. 50% of the total expenses will be paid in case of the second time, and it will then be 25% during the third instance.
● The treatment of a girl child, senior citizen, and women gets more priority than the rest.
● None of the enlisted hospitals can deny treatment for pre-existing diseases.
● The hospitals cannot charge money from the beneficiaries for treatment.
Chiranjeevi Swasthya Sathi Yojana
What is the scheme?
The Mukhyamantri Chiranjeevi Swasthya Bima Yojana is launched by the Rajasthan state government to offer cashless yearly medical insurance to the families belonging to the economically weaker sections of the society. This scheme covers a large sector of diseases, including COVID-19 and black fungus and will cover all expenses up to Rs. 5 lakhs. The families who have registered for this scheme need to pay a premium of Rs. 850 annually and can easily avail the benefits of the scheme by doing that.
Who can benefit from it?
From contractual workers to low and marginal farmers, many people belong to the below poverty line, all of whom can register under this scheme. Along with them, the NFSA Cardholders, SECC beneficiaries, and the families belonging to the COVID-19 ex gratia list can easily opt for this scheme by following the simple steps of registration.
Details about the scheme:
● One can easily register for the scheme by visiting the nearest camp or applying online and submitting the necessary documents.
● The individuals who have applied for this scheme can get the treatment facilities from 756 government-run hospitals and 450 private ones affiliated with the scheme.
● The scheme covers more than 1576 medical tests of different diseases and all types of treatment procedures needed for treating a certain disease.
● From the medical expenses of 5 days before hospitalization to 15 days after the discharge, all of it will be thoroughly covered by this scheme.
What are the terms and conditions of the scheme?
● A candidate needs to submit supportive documents to prove their permanent residency in Rajasthan to avail the benefits of the scheme.
● If a beneficiary faces an issue with the hospital or treatment procedure, they do have the option to lodge a complaint in the helpline centre set up by the state government for handling such issues 24/7.
● None of the enlisted hospitals has the right to charge anything from the patients who are availing this scheme, and even if they do, it is mandatory to refund it as soon as possible.
Conclusion
While both schemes are similar in many aspects, each has its list of advantages and complexities. Hence, an individual can choose the one that seems to suit his requirements and use it to the fullest potential.