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Bhamashah Swasthya Bima Yojana by Govt. of Rajasthan

The Bhamashah Swasthya Bima Yojana is a scheme that is open to residents of Rajasthan. The scheme aims to offer cashless services to IPD patients. Families that are covered under the NFSA and RSBY can register for this scheme.
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Bhamashah Swasthya Bima Yojana is a scheme aimed at offering IPD patients with access to cashless facility. It is a budget declaration for the financial year 2014-15 and is only open to people from Rajasthan. All families covered under the RSBY (Rashtriya Swasthya Bima Yojana) and NFSA (National Food Security Act) can avail this scheme. The premium payments for each family are fixed and must be made on an annual basis on floater policy.

The insurer for the scheme are chosen via open competitive public sector insurance company and a two-stage bidding process. The insurer chosen by the scheme is the New India Assurance Company as it offers the most attractive rates across the country for a scheme possessing the most comprehensive features.

Features of Bhamashah Swasthya Bima Yojana:

  • The main objective of the scheme is to improve health indicators.
  • The scheme offered reduction in additional expenses whilst offering financial cover to customers against illnesses.
  • Bhamashah Swasthya Bima Yojana aims to reduce the financial risk of surplus expenditure on healthcare by making use of insurance as a solution.
  • The scheme aims at squashing the government’s vision of minimum government and maximum governance.
  • The scheme aims at creating a large health database that can be used in the future during policy level decisions / changes.
  • The scheme aims at bringing about a revolution in healthcare in rural regions by encouraging the private sector to start providing hospitalisation services whilst lowering the rising concerns on government facilities.

Benefits of Bhamashah Health Insurance:

Bhamashah Swasthya Bima Yojana offers benefits to beneficiaries of the National Food Security Scheme and beneficiaries of the Rashtriya Swasthya Bima Yojana. The scheme is expected to be implemented via Bhamashah Cards. However, identity related to Rashtriya Swasthya Bima Yojana and the National Food Security Scheme must also be honoured until the issuance of Bhamashah cards. Following are the key benefits offered by Bhamashah Swasthya Bima Yojana:

Bhamashah Swasthya Bima Yojana
  • In-house claims processing software and standardised and transparent grading criteria for hospitals.
  • Verified and well-defined medical protocols.
  • Mobile application for the monitoring of all government officials in the district.
  • Removal of TPA and effective monitoring mechanism for the prevention of cost escalation and leakages.
  • Immediate reduction on government health institutions.
  • Opportunity for poor people to approach private health institutions for health services.
  • Financial improvement of Medicare Relief Societies of Government Health Institutions.
Health Insurance Cover for general illnesses Rs.30,000
Critical Illness Cover Rs.3 lacs
Pre-hospitalisation expenses Cover for seven days
Post-hospitalisation expenses Cover for 15 days
Transport allowance for polytrauma and cardiac cases Rs.100 to Rs.500

Patients will also receive 1045 packages to choose from under General Illnesses, 170 packages for government hospitals, and 500 packages under Critical Illnesses. These cashless benefits and services will be provided via empanelled private health institutions and public health institutions.

The package costs include bed charges, consultant fees such as surgeons’ and anaesthetists’ charges, boarding and nursing charges, blood, consumables, implants, anaesthesia, medicines, implants, cost of pathological diagnostic and radiological tests such as x-ray, urine and blood, transportation allowance for cardiac and polytrauma cases, and food for beneficiary during hospital admission.

How to Apply for Bhamashah Swasthya Bima Yojana?

The authority issuing Bhamashah Swasthya Bima Yojana selects applicants based on a two-stage bidding process. The Qualification Stage is the first stage of the process and includes prequalification of interested individuals according to the provisions of the Request for Quotation (RFQ). Once the Qualification Stage is complete, the applicants short-listed by the issuing authority will gain eligibility to participating in the Bid Stage, which is the next stage of the bidding process involving the Request for Proposal.

Guidelines have been issued by the Indian government regarding the qualification of bidders interested in acquiring stakes in companies or firms from the public sector via disinvestment. The issuing authority reserves the right to disqualify any applicant if they do not comply with the guidelines at any step of the Bidding Process.

Should an applicant satisfy all guidelines and qualify to bid, he / she must provide the issuing authority with an undertaking regarding the same in the Appendix-I form. During the second stage, the short-listed applicants will be requested to furnish their bids (financial offers) based on the terms and conditions specified within the Bidding Documents. The validity of the bid will extend to a minimum period of 120 days from the Bid Due Date.

The proposal and bidding documents furnished by the applicant shall be part of the scheme’s draft insurance agreement. Any other documents issued after the RFP documents shall also be part of the bidding documents.

At the second stage, bidders can carefully scrutinise the scheme if they wish to carry out any studies prior to the submission of bids to acquire the insurance. The coverage mentioned in the bid document will be provided by Public Sector Insurance Companies for the premium amount according to which bids are invited. In this RFP, “Highest Bidder” refers to the applicant offering the lowest premium. The terms and conditions of the scheme, such as tenure and other details, will be pre-determined and mentioned in the draft insurance agreement.

Bidders who have any requests or queries for additional information regarding the RFP must submit the same in writing and sent it by special messenger / courier / speed post or e-mail to get in touch with the Additional Mission Director, NHM. The communication / envelops must have the following title / identification: Queries / Request for Additional Information: RFP for implementation of Health Insurance in Rajasthan Scheme.

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

Bhamashah Swasthya Bima Yojana Reviews

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  • United India Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My company has given me a health insurance from united India. My entire family has been covered in this policy. I had no claim experience so far and i have not checked about the list of hospitals. I'm happy about the coverage amount they have given to me.
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  • Apollo Munich Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with Apollo Munich, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me up to 13,000, i use to pay through on line.
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    , new delhi
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Best Policy"
    0.5 3.0/5 "Satisfactory"
    I have chosen the United India health insurance policy without any reason. I got this policy for my entire family. I pay the premium amount of Rs. 16000 nearly. I have a claim experience with them and they have processed the claim in 3 days. They have given a claim upto 80%
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    , bangalore
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  • review Health Insurance
    "Good service"
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    I have a health insurance policy with BHARATHI AXA , this policy cover accident claim and there customer support team have explain me about this policy . And the premium i pay per year it nominal, i pay through on line. Till now i have no claim experience with them, i have took the policy like in every five years they will reduces 5 % if i do not claim it, till now there service was good.
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    , mumbai
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Good Policy to take"
    0.5 5.0/5 "Blown Away!"
    I have purchased my United India health insurance in the year of 2002. I pay the premium amount of Rs. 12000. This is a primary plan. Me, my wife and my son has been covered in this policy. I have received the covered amount of Rs. 10 lakhs. I have not faced any issue in this policy.
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    , ahmedabad
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    I have been using my health insurance with HDFC ERGO, they have charged me premium amount up to 500 rupees , this health insurance is a complimentary insurance issued my bank as i took this bank credit card, the premium amount it was to get deducted on yearly basis, and it use to get deducted from this bank credit card, and after that it converted in to Emi option, and till now i had no experience with this insurance, there is cash less treatment option available.
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    , bangalore
    Reviewed on Jan 22, 2019
  • Bajaj Allianz Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my Health insurance with Bajaj allianz general insurance, they have tie up with many hospital, and they have shared me location regarding this, so far there was no claim experience with them . There is cashless treatment option available , the premium amount they have charged me previously on monthly basis, it was nominal premium charges, i have been paid for 4-5 years continuously, now maturity period got completed.
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    , new delhi
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    It was not quite a good experience i had with them where i had started this insurance policy in the year of 2009 and i had been paying the premium amount of 50,000 annually. There was not any single claim which i had made so far, until last year i had tried for a claim and the bill was around 40,000 and they had provided me with only 12,000 which was really a bad experience.
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    , hyderabad
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  • HDFC Ergo Health Insurance
    "Its Good"
    0.5 1.0/5 "Really Bad"
    Before four month my health policy got expired I don't have interest to renew it again. HDFC Ergo representative called me for the renewal. I don't have claim experience but I believe they provide ac room hospitalization for per day Rs. 3000 will be charged from the insured value and they do have no bonus feature.
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    , hyderabad
    Reviewed on Jan 21, 2019
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my health insurance with Star health insurance, there service is good,i have applied two health loan , one for me and one for my parents, i had claim experience with it , as one year ago,i avail this insurance for my parents, there was cashless option available , and the premium amount they have charged me was nominal, for my parents i use to pay up to 27,000 as yearly basis, and for me 12,000 as yearly basis.
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    , bangalore
    Reviewed on Jan 21, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my health insurance with HDFC ERGO , the agent that explain me clearly about the policy, and there benefits,and they have tie up with many hospital and they have shared me excel regarding this, i had claim experience on 2016 , my claim experience with this bank was good, the premium amount they have been charged on yearly basis,they have charged premium nominal.
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    , bangalore
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  • Universal Sompo Health Insurance
    "Speedy claim recovery"
    0.5 4.0/5 "Great!"
    Holding my health insurance from Universal sompo. I'm not getting any mails or messages from Universal Sompo regarding the updates. The policy is really good. This is a 100% covered policy. They have processed the claim immediately with the cashless treatment. The hospital list is really good.
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    , bangalore
    Reviewed on Jan 20, 2019
  • ICICI Lombard Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with ICICI Lombard general insurance, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal,i use to pay on yearly basis.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my medi claim with HDFC ERGO, they have tie up with many hospital,and they have shared me the location regarding this,they have mention the location on excel,and the premium amount they have charged me is nominal,they have charged me on yearly basis.overall service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • Apollo Munich Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    My organization has given me a health insurance from Apollo Munich. I have not gone through about the documents and hospital list. My entire family has been covered in this policy. They have given me a satisfied coverage value. I have not contact the customer care so far.
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    , gurgaon
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have purchased the health insurance from HDFC Ergo. For some enquiry, i have called the customer care service and they have resolved my query immediately. I have not made any claim experience so far. I pay the premium amount of Rs. 37000 and myself has been covered in this policy.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 20, 2019
  • Star Health Health Insurance
    "Less premium with Extra benefits"
    0.5 3.0/5 "Satisfactory"
    Taken my health insurance policy recently from Star. Till now i have not spoke with the customer care. Since my age is above 50, i made the premium amount of Rs. 17000. Myself, my wife and child has been covered in this policy. They have given me a coverage value of Rs. 4 lakhs. Almost major hospital has been covered in this list.
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    , hyderabad
    Reviewed on Jan 20, 2019
  • Reliance General Health Insurance
    "Overall Experience is good"
    0.5 4.0/5 "Great!"
    I'm using the health insurance from Reliance last 5 years. Since I'm the in charge of corporate insurance the customer care service is really fine. I made many claim from Reliance for other employee. As per the policy, they are fulfilling the customer needs. They are providing good cashless treatment facility. They used to send a updation on a regular basis.
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    , hyderabad
    Reviewed on Jan 20, 2019
  • Apollo Munich Health Insurance
    "Very Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a corporate covered health insurance policy from Apollo Munich. They have given me a coverage value of Rs. 4 lakhs. My entire family has been covered in this policy. This policy covers all the major hospitals in all over India. I have not made any claim so far.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • ICICI Lombard Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    My health insurance was purchased from ICICI Lombard. To apply the claim, its a lengthy process. I had a claim experience and they have given the claim upto 80%. I pay the premium amount of Rs. 12500 every year. My entire family has been covered in this policy.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 20, 2019
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