Ayushman Bharat Mahatma Gandhi Swasthya Bima Yojana


Rajasthan is one of the most beautiful states of Indian which is known for its rich culture of diversity and loving people. But it has quite a several populations too. Their main occupation is agriculture which is then followed by business and trade. As per the World Bank, Rajasthan unfortunately is also one of those states in India that has the lowest income. Now the good news is those people who have got low income may not be able to avail the facilities as the salaried people. That is why the government has come up with Ayushman Bharat Mahatma Gandhi Health Scheme Apply that can help in eliminating all the challenges that are associated with availing medical facilities.

What is Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana (AB-MGRSBY)?

This is one extremely efficient scheme of health insurance that Chief minister Ashok Gehlot has come up with. Ayushman Bharat Mahatma Gandhi Health Scheme was announced in the year 2019 and since then it has gotten a tremendous response. The scheme was even proved to be quite beneficial for those beneficiaries simply because it is a blend of the BSY and AB-PMJAY schemes. Both the schemes were merged for including different families that are eligible in one schema and thus offer the quality health services

Features and Benefits Of AB-MGRSBY

1. Cashless Hospitalization

The beneficiary of Ayushman Bharat Mahatma Gandhi Health Scheme Online Registration is eligible to avail the benefits of hospitalization that shall be with cashless treatment in the empanelled hospital networking. This list is available under the website where you can cross-check. The name cashless treatment clarifies that the beneficiary will not have to bear the medical treatment cost at all. Rather this treatment will be borne by the government.

2. Coverage For Medical Needs

This Ayushman Bharat Mahatma Gandhi Swasthya Bima Yojana Form is designed to give the most holistic coverage that shall pay off the whole cycle of a medical emergency. This includes the facilities that are covered under the scheme which is

  • Daycare treatment benefits if applicable

  • Pre and post hospitalization expense benefits

  • Hospitalization expense benefits

  • Follow-up care benefits

  • Newborn child/children benefits

3. High Sum Insured

The scheme also gives pretty good pricing of the sum which is insured to the beneficiary family. The main sum that is insured is Rs.5 lakh every year for the family which gets covered under the scheme. It is categorized as:

  • Rs. 50,000 for secondary illnesses

  • Rs. 4,50,000 for tertiary illness

4. A Large Number Of Empanelled Hospitals

There are different hospitals that are associated with this scheme. It is more beneficial if there comes a medical emergency. If the hospital is empanelling in the vicinity of the beneficiary then he or she can even reach out faster and get the treatment started. The scheme has different hospitals which are registered for treating the patients in this scheme.

Inclusions Under Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana 

Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana (AB-MGRSBY) covers the insured against the following healthcare expenses: 

This policy covers the family floater basis. This means all the family members are insured which shall be using the sum that is insured under the policy. The family floater health insurance policy is beneficial since it lets all the insured family members get medical facilities. You can also make the balance when creating the health insurance that claims when you avail the treatment at different times. Other than this the scheme covers:

  • Hospitalization expenses

  • Newborn child/children benefits 

  • Follow-up care benefits

  • Daycare treatments if applicable

  • Pré-hospitalisation and post-hospitalisation expenses

What is Not Covered?

There are few things that are not covered in this policy. This is called policy exclusion. The copy will not be even liable for settling down the claim that has been raised against the policy exclusion. Things that are not covered are:

  • Cost of vitamins and tonics unless part of the required treatment.

  • Surgical procedures for resembling the opposite sex including hormone replacement therapy.

  • Plastic surgery unless required to correct an injury-related deformity.

  • Attempted suicide and suicide.

  • The persistent vegetative state is a result of brain damage.

  • Congenital external diseases, anomalies, or defects.

  • Minor conditions that do not require hospitalization, unless mentioned in the package list.

  • Vaccinations are not covered.

  • Dental treatments carried out for enhancing aesthetics.

  • Circumcision unless medically required due to an accidental injury.

  • Expenses related to medical treatments due to overuse of any intoxicating substance.

How To Enrols in AB-MGRSBY

The family of the applicant doesn’t have to carry any separate enrolment process for entering this scheme. As the scheme is not received yet completely, there is a certain registration process of the scheme that needs to be sorted. But the beneficiary can even identify themselves under the scheme for which they have to go through all the associated details from the portal called Jan soochna.

Eligibility for Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana

In order to be eligible for such a scheme, the person is expected to fit in criteria like:

  • Families must be Rajasthani natives

  • Rajasthani native families

  • Members of the Ayushman Bharat Scheme

  • Members based on SECCO depend on social, caste, and economic census. 

  • Beneficiaries having Aadhaar card, Bhamashah card/acknowledgment slip

  • Family members under National Food Security Act (NFSA)

Documents Required to Apply for Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana

Since Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana offered ample advantages, it is important that beneficiaries have the documents that are part of the application which are also required for the identification of beneficiary families. This includes:

  • Ration card number 

  • Eligibility letter for Ayushman Bharat Scheme 

  • Aadhaar card

  • Bhamashah card

  • 23 digit HHID number

Questions and Answers

Is there any kind of daycare treatments that are covered under Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana?

Yes, there are different daycare treatments as listed in the AB-MGRSBY package that are covered under the scheme.

What is the meaning of secondary and tertiary diseases in terms of AB-MGRSBY?

Secondary diseases are general health ailments such as fractures, extraction of a tooth, and tonsillectomy, etc. while tertiary diseases can be associated with critical illnesses, for example, Lung Injury repair, Thyroplasty, Colonoscopy, etc.