Apr 032016

Aam Aadmi Swasthya Bima Yojana

The Hon’ble Chief Minister of Delhi in a recent press announcement declared that the govt. will launch a new universal health scheme for the citizens of NCR. Earlier, there were several health schemes for different class of people available for the citizens of Delhi. But from now on, a universal health policy which will give medical benefits and post treatment fund allocations to the Delhi citizens, who are economically backward and do not have financial support to get good medical facilities. As per the Chief Minister’s Office, approximately 40 lakh families will be benefitted with the new health scheme.

Aam Aadmi Swasthya Bima Yojana

Nature of beneficiaries of the universal health scheme

The Delhi Govt. has identified near about 40 lakh families from Delhi and adjoining areas for getting enrolled in this health scheme. There is a condition to get enrolled in this health insurance plan by the Delhi Govt. This insurance plan will be given only to the financial weaker families of the capital city. This health scheme will also be available for the families which are not mentioned in the Request For Qualification (RFQ).

Some Important details about the health insurance policy for Delhi citizens

Sl. No. Health plan attributes Related Information
1 Name of the scheme Aam Aadmi Swasthya Bima Yojana
2 Area of implementation Delhi and its adjoining areas
3 Number of estimated beneficiary families 40 lakh
4 Working span in first stage 4 years
5 Beneficiary nature Families not mentioned in Request For Qualification (RFQ) in addition to backward class families.
6 Total cost of project 500 crore per annum
7 Number of hospital packages to be affiliated under this health scheme 1700 packages


Plan of hospitalization under the Aam Aadmi Swasthya Bima Yojana

Under the universal health, the Delhi Govt. has assured that a maximum number of govt. as well as private hospitals will be brought under this health project. These hospitals and medical centres will be equipped with adequate medical team of doctors, nurses and other workers. Modern medical treatment facilities and services will be provided to the beneficiaries under this universal health policy. As per the reports, there will be around 1,700 hospitalization packages which will be given under the health scheme.

How the premium of health scheme will be decided?

Those families which belong to the low income category will be given the medical facilities for a minimum nominal amount. This category of beneficiaries will be identified by the Request For Qualification plan. But, the govt. is keen to extend the number of beneficiaries further and thus wants to bring more people under this health scheme that are not targeted by the RFQ. But the premium for those families will be higher than the low income group families. By this, the cost of the entire project will be balanced and feasible. For this, the govt. has sanctioned Rs. 500 crore for the implementation of the health scheme.

Procedure of selection of companies providing health insurance

The govt. will screen the companies which will put bid for working under the universal health plan. The company will be selected according to the range of packages or medical facilities, they will be offering. Major diseases like cancer, cardio issues, major neurological disorders, etc. most of which are which are not covered in many health insurance schemes will be covered in this project.  In the existing health schemes, the beneficiaries do not get insurance help for some major diseases. In the first stage of the health scheme, the window for insurance companies to bid in the project is open for May end of 2016.

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