1.Rajiv Aarogyasri, Andhra Pradesh
RAS ( Rajiv Aarogyasri ) is a unique Community Health Insurance Scheme being implemented in Andhra Pradesh from 1st April, 2007. The scheme provides financial protection to families living below poverty line upto Rs. 2 lakhs in a year for the treatment of serious ailments requiring hospitalization and surgery. 938 treatments are covered under the scheme.
Objective
The objective of the scheme is to improve access of BPL families to quality medical care for treatment of identified diseases involving hospitalization, surgeries and therapies through an identified network of health care providers. The scheme provides coverage for the systems like Heart, Lung, Liver, Pancreas, Kidney, Neuro-Surgery, Pediatric Congenital Malformations, Burns, Post -Burn Contracture Surgeries for Functional Improvement, Prostheses (Artificial limbs), Cancer treatment (Surgery, Chemo Therapy, Radio Therapy ), Polytrauma ( including cases covered under MV Act) and Cochlear Implant Surgery with Auditory-Verbal Therapy for Children below 6 years (costs reimbursed by the Trust on case to case basis ). All the pre-existing cases of the above mentioned diseases are covered under the scheme.
Beneficiaries
The beneficiaries of the scheme are the members of Below Poverty Line (BPL) families as enumerated and photographed in BPL Ration Card and available in Civil Supplies Department database. The benefit on family is on floater basis i.e. the total reimbursement of Rs.1.50 lakhs can be availed individually or collectively by members of the family. An additional sum of Rs 50,000 is provided as buffer to take care of expenses if it exceeds the original sum i.e. Rs 1.50 lakhs per family. Cost for cochlear Implant Surgery with Auditory Verbal Therapy is reimbursed by the Trust up to a maximum of Rs.6.50 lakhs per case.
All transactions are cashless for covered procedures. A BPL beneficiary can go to any hospital and come out without making any payment to the hospital for the procedures covered under the scheme. The same is the case for diagnostics if eventually the patient does not end up in undergoing the surgery or therapy. Hospitals have to conduct free health camp, there by taking advanced evaluation to the doorstep of patient. All the Primary Health Centers (PHCs) which are the first contact point, Area/District Hospitals and Network Hospitals, are provided with Help Desks manned by Aarogya Mithras to facilitate the illiterate patients. The Aarogyamithras were selected by the Zilla Samakhyas and Mandal Samakhyas under Indira Kranti Patham (Self Help Groups).
The diseases specifically excluded from the list are high end diseases such as hip and knee replacement, bone morrow, cardiac and liver transplantations, gamma-knife procedures in neurosurgery, assisted devices for cardiac failures etc; and diseases covered by national programmes viz., TB, HIV/AIDS, Leprosy, Infectious diseases, Malaria, Filaria, Gastroenteritis, Jaundice etc.
Read more:- http://www.aarogyasri.gov.in/
2 .Mukhyamantari Amrutam (MA), Gujarat
A large number of households are pushed into poverty as a result of high costs of household spending on health care. The Below Poverty Line (BPL) population is especially vulnerable to the catastrophic health risks. To address this key vulnerability faced by the BPL population in the Gujarat, the State Government has launched a medical care scheme called Mukhyamantri Amrutum (MA) Yojana.
Objective
The objective of the scheme is to improve access of BPL families to quality medical and surgical care for the treatment of identified diseases involving hospitalization, surgeries and therapies through an empanelled network of health care providers.
The surgeries covered are of :
'MA' provides quality medical and surgical care for the catastrophic illnesses involving hospitalization, surgeries and therapies through an empanelled network of hospitals to the BPL families.
Read more:- http://www.magujarat.com
3.The Chief Minister's Distress Relief Fund , Kerala
The Chief Minister’s Distress Relief Fund provides financial assistance for the distressed people affected by major natural calamities like flood, drought, fire etc. It also provides financial assistance to the needy individuals for their treatment of major diseases like Cancer, Cardiac surgery, Kidney transplant, Brain Tumor, Liver and Multi Organ failure etc.
The very aim of the fund is to provide immediate relief to the people in distress and the resource for the same is gathered by voluntary donations from any person viz., Government employees, quasi government employees, bank-insurance employees, NRIs, various service organizations, industrialists, artists or writers etc.
Read more:- http://www.kerala.gov.in/index.php?option=com_content&view=article&id=4600&Itemid=2286
4 Chief Minister's Relief Fund , Madhya Pradesh
The objective of setting up the "Chief Minister's Relief Fund" is to provide immediate financial assistance to the victims of natural calamities like flood, fire, earthquakes, accidents and also people suffering from various ailments.
Read more:- http://www.mponline.gov.in/Portal/Services/CMRF/Auctionindex.html
5. Rajasthan's Chief minister's Relief fund, Rajasthan
Details of the assistance given by the CM relief fund :-
Those affected in accidents or natural disasters after the date 13.12.2012 are entitled to receive insurance under this scheme. The dependents of the deceased will receive a sum of Rs 50,000 , Rs 10,000 will be given to seriously injured person and Rs 2,500 to normally injured person. The sum can be received from the office of the district collector on submission of an application form along with an injury report / post martem reports and FIR .
Patients in Rajasthan whose family annual income is less than Rs 1,00,000 and are admitted in any government hospital suffering from a severe disease such as cancer , heart disease, kidney diseases etc are entitled to receive treatment in a super specialty hospital under this scheme.
Read more:- http://cmrelief.rajasthan.gov.in/default.aspx
6.Chief Minister's Comprehensive Health Insurance Scheme, Tamil Nadu
This is a lofty Insurance Scheme launched by the Tamil Nadu State Government through the United India Insurance Company Ltd (a Public Sector Insurer headquartered at Chennai) to provide free medical and surgical treatment in Government and Private hospitals to the members of any family whose annual family income is less than Rs.72,000/- (as certified by the Village Administrative Officers) .The Scheme provides coverage for meeting all expenses relating to hospitalization of beneficiary as defined in the Scope of the Scheme.
Benefits
The scheme seeks to provide cashless hospitalization facility for certain specified ailments/ procedures. The scheme provides a coverage up to Rs.1,00,000/- per family per year on a floater basis for the ailments and procedures covered For certain specified ailments and procedures of critical nature, the overall limit is increased from Rs.1,00,000/- to Rs.1,50,000/-
There are 2 other covers other than the hospitalization benefits available under the Scheme. They are:
Availing the benefits
Free health camps / screening camps will be conducted by network hospitals as per the directions given by Project Director of Tamil Nadu Health Systems Society. Minimum of one camp per month per empanelled hospital will be held in the districts in each policy year. The persons who need treatment are identified in the Health camps.
Helpline
A 24 hour Call Centre has been set up at CMCHISTN Project Office with sufficient manpower with toll free help line. The Toll Free Number is 1800 425 3993. The Toll Free Line is competent to answer the query in Tamil.
Read more:- http://www.cmchistn.com/
