For many in India, healthcare costs are very difficult to afford. Many families are pushed into poverty because of medical treatment. In such situations, having reasonable Insurance coverage can protect weak and poor families.
Keeping in mind this aspect, the Punjab government started the Ayushman Bharat – Sarbat Sehat Bima Yojna (AB-SSBY) for vulnerable people. Now, economically weak people can also afford medical treatment. In this blog, we will cover all the crucial details regarding this scheme and how it benefits the common people.
The Punjab government launched the Sarbat Sehat Bima Yojna on 20 August 2019. It ensures health insurance coverage of up to Rs. 5 lakh per family per year for secondary and tertiary care hospitalisation (in-patient services).
It extends medical coverage to 65% of the population of Punjab. This means coverage of 39.66 lakh families. Private as well as public hospitals are empanelled under the scheme.
Benefits of Sarbat Sehat Bima Yojana
The benefits of the Sarbat Sehat Bima are as follows:
- It provides coverage of up to Rs. 5 lakh per year per family.
- It offers 1,579 secondary and tertiary medical care packages.
- Coverage of pre-existing diseases from the very beginning of the scheme.
- Some of the poorest families in Punjab are covered by this scheme.
- Pre-hospitalisation coverage of up to three days and post-hospitalisation coverage of up to 15 days.
- Daycare surgeries are included.
- Medical expenses for newborn babies are covered.
Diseases Covered Under Sarbat Sehat Bima Yojana
Some of the diseases covered by the Sarbat Sehat Bima Yojana Card are listed below.
- Cardiology
- Mental disorder
- General surgery
- Orthopaedics
- Paediatric surgery
- Plastic surgery
- Eye surgery
- General medicine
- Neurosurgery
- Polytrauma
- Radiation oncology
- COVID-19
- Cancer
- Other severe diseases
- MRI and CT scan
Who Is Eligible For Sarbat Sehat Bima Yojana?
As per the official website, 39.66 lakh families are currently covered by the Ayushman Bharat – Sarbat Sehat Bima Yojna (AB-SSBY). It includes the following categories.
- Families covered as per data from SECC 2011.
- Smart ration card holder families.
- J-form holder farmers.
- Small traders registered with the Excise & Taxation Department.
- Small and marginal farmers.
- Accredited journalists with yellow card.
- Construction workers registered with Punjab Building and Other Construction Workers Welfare Board.
How To Enrol For Sarbat Sehat Bima Yojana?
As per the official website, there is no separate enrolment process for the Sarbat Sehat Bima Yojana. It is an entitlement-oriented scheme.
The data for enrollment in the scheme is prepared as per information provided by the following entities.
- Food and Civil Supply Department for Smart ration card holders
- Excise & Taxation Department for traders
- Punjab Mandi Board for J-form holder farmers, Small and Marginal Farmers
- PUNMEDIA for Accredited and Yellow Card Journalists
- Construction Workers Welfare Board for construction workers.
You can do the SHA Punjab eligibility check online and check if you have been enrolled for the Sehat Bima card.
For more information
https://www.acko.com/health-insurance/sarbat-sehat-bima-yojana/