Towards universal health cover: Lessons from RSBY

By Shruti Sahu and Lzafeer Ahmad, Trilegal
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Health shocks adversely affect the ability to earn income, particularly in the more vulnerable sections of society. Therefore, the Ministry of Labour and Employment launched India’s first national health insurance scheme in April 2008. The scheme, called the Rashtriya Swasthya Bima Yojana (RSBY), is intended to benefit people below the poverty line (BPL), some unorganized workers and people registered under the National Rural Employment Guarantee Act.

Features of the scheme

The RSBY is implemented in districts through partnerships with health insurance companies. The insurer is selected through a bid process where the bidder quoting the lowest premium is awarded the contract.

Shruti Sahu Counsel Trilegal
Shruti Sahu
Counsel
Trilegal

As part of its obligations, the insurer is required to empanel public and private hospitals meeting the prescribed criteria and to enrol the beneficiaries. Each empanelled hospital provides services as per package rates determined by the government.

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Shruti Sahu is a counsel at Trilegal and Lzafeer Ahmad is an associate. Trilegal is a full-service law firm with offices in Delhi, Mumbai, Bangalore and Hyderabad.

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