Ayushman Bharat Yojana (Namocare Or Modicare) Scheme or National Health Protection scheme (NHPS), will offer common treatments such as coronary bypass, knee transplant and C-section at a rate which is around 15-20% lower than Central Government Health Scheme (CGHS), which provides comprehensive medical care to government servants, pensioners and their dependants. Some hints have been received from the decision makers of this scheme about how the scheme may be implemented. However, final plan may be differ from the points given here:
The health ministry has finalised the rates for 1,354 packages, which will be covered under NHPS. The packages include 23 specialties such as cardiology, ophthalmology, orthopaedics, urology and oncology, etc. For instance, the rate for vertebral angioplasty with single stent has been fixed at Rs 50,000, whereas that with double stent will cost Rs 65,000. Similarly, the price for total knee replacement is fixed at Rs 80,000, whereas a C-section will be charged at Rs 9,000. The list also includes paediatric surgeries, different packages for cancer treatment as well as mental disorders.
National Health Scheme Under this scheme each poor family will get Rs. 5 Lac per year to protect their health. It will be the world’s largest health care protection scheme till date. Under this scheme nearly 10 Cr families will be protected that means over 50 Cr people will be benefitted from the scheme.
Key Features
This new NHPS will overcome the flaws of the existing scheme Rashtriya Swasthya Bima Yojana, which offers health insurance coverage to the poor workers who are working in the unorganized sectors. NHPS – 2018 will be offer Rs. 5 lakh per year to the eligible families of the nation for their medical care.
The scheme is set to cover more than 10,000,000 poor and unsecured family members of the nation, it is expected that about 50,000,000 people will be benefited under this NHPS. Under the regulations stated by the government the health insurance scheme will be offering coverage to the beneficiaries such that they can get benefit of cashless treatment facility. The beneficiaries will be to take the treatments within the country in private as well as government hospitals and health care centers. As other health insurance scheme are mainly focused on offering coverage to expensive medical treatments so not many people are able to take benefit of these insurance schemes. By implementin Modicare (namocare) insurance scheme all these people will be able to avail the benefit of the insurance plan.
Cashless and aadhaar enabled scheme Currently there is no official statement or detail released by the government regarding the documents requir for this scheme’s registration process. But one thing is certain that the applicants will need a proper and val bank account which is linked with Aadhar. The money will be directly transferred to the mentioned bank account of the applicant/policy holder.
The involved candidates are required to hold a special certificate that will mention that they come under the special category. Other than this, some other documents like age proof, family structure/size, contact information, identification details, etc. must also be submitted.
Scanned copy of Aadhar card, Income Certificate, Caste certificate are required to be attached to the online form and upload with it.
Premium per family under the Namocare The government has stated that Rs 1100 and Rs 1200 on monthly basis will be set as premiums to be paid under the scheme. The beneficiary can then be offered with complete cashless treatment as coverage amount under the scheme.
The government has also stated that by investing above mentioned premium each of the beneficiary family registered under the scheme will be able to take Rs 5 lakh benefit on yearly basis for medical treatments.
Eligibility Criteria According to central government statements the scheme is designed to offer coverage to over 10 crore families (approximately over 50 crore individuals) within the country. The coverage will be offered as per the data collected under the social-economic caste Census conducted by the government (SECC) 2011. Under the regulations the scheme is designed to offer coverage to the beneficiaries irrespective of the number of members in the family. As the insurance coverage will be offered to the beneficiaries via Aadhar based biometrics. As the scheme does no offer with limitations with family size for the beneficiaries so the government also stated that this scheme is one of the largest funded programs on the global platforms.
Ayushman Bharat Yojana Toll Free Number Toll free number 1800-180-1104 for National Health