Common service centres to implement Ayushman Bharat

Common Service Center (CSC) and National Health Accounts (NHA) signed a memorandum of understanding to implement the Ayushman Bharat scheme through three-lakh CSCs across the country.

Ayushman Bharat is the National Health Protection Scheme, which will cover over 10 crore poor vulnerable families (around 50 crore beneficiaries) providing coverage of up to ₹5 lakh (per family per year) for secondary and tertiary care hospitalization.

As per the MoU:

A beneficiary can now visit the nearby CSC to get the benefit of this scheme and CSC will help the beneficiary to identify his name in the Ministry of Health and Family Welfare database and his entitlement for the scheme.

The CSCs will help the beneficiary to scan/ upload his KYC documents for verification of his/ her identity and claim his/ her entitlement.

The beneficiary will also have a facility to print his/ her Ayushman Scheme card through the center which will be his/ her base source claim. CSCs will also provide requisite information about the scheme and promote the same.

Ayushman Bharat is the National Health Protection Scheme, which will cover over 10 crore poor vulnerable families (around 50 crore beneficiaries) providing coverage of up to ₹5 lakh (per family per year) for secondary and tertiary care hospitalization.

It will subsume the on-going centrally sponsored schemes –Rashtriya Swasthya Bima Yojana (RSBY) and the Senior Citizen Health Insurance Scheme (SCHIS).

Highlights of the scheme:

The scheme has the benefits cover of Rs. 5 lakh per family per year. To ensure that nobody is left out (especially women, children and elderly) there will be no cap on family size and age in the scheme. The benefits cover will also include pre and post-hospitalization expenses.

The target beneficiaries of the proposed scheme will be more than 10 crore families belonging to poor and vulnerable population based on SECC database. Benefits of the scheme are portable across the country and a beneficiary covered under the scheme will be allowed to take cashless benefits from any public/private empanelled hospitals across the country.

State Governments will be allowed to expand AB-NHPM both horizontally and vertically. States will be free to choose the modalities for implementation. They can implement through the insurance company or directly through Trust/ Society or a mixed model.

For giving policy directions and fostering coordination between Centre and States, it is proposed to set up Ayushman Bharat National Health Protection Mission Council (AB-NHPMC) at apex level Chaired by Union Health and Family Welfare Minister.

It will be an entitlement based scheme with entitlement decided on the basis of deprivation criteria in the SECC database.

The different categories in rural area include families having only one room with Kucha walls and kucharoof; families having no adult member between age 16 to 59; female-headed households with no adult male member between age 16 to 59; disabled member and no able-bodied adult member in the family; SC/ST households; and landless households deriving major part of their income from manual casual labour.

Also, automatically included families in rural areas having any one of the following: households without shelter, destitute, living on alms, manual scavenger families, primitive tribal groups, legally released bonded labor. For urban areas, 11 defined occupational categories are entitled under the scheme.

Common Services Centers (CSCs) are a strategic cornerstone of the Digital India programme. They are the access points for delivery of various electronic services to villages in India, thereby contributing to a digitally and financially inclusive society.

CSCs enable the three vision areas of the Digital India programme:

  • Digital infrastructure as a core utility to every citizen.
  • Governance and services on demand.
  • Digital empowerment of citizens.

CSCs are more than service delivery points in rural India. They are positioned as change agents, promoting rural entrepreneurship and building rural capacities and livelihoods. They are enablers of community participation and collective action for engendering social change through a bottom-up approach with the key focus on the rural citizen.

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