Sunday, May 24, 2009

Kerala - leading in the implementation of Rashtriya Swasthya Bima Yojana (RSBY)?

As part of Promise# 4 of Congress, the Rashtriya Swasthya Bima Yojana (RSBY) to provide health insurance to all families below poverty line will be implemented in 3 years (22 May 2012).

28 states and 7 Union territories of India need to Implement and achieve this scheme. Hence a total of 625 districts need to be covered by the scheme. Although it would be interesting to track the implementation of the project through out the country, many states are yet to get the data updated in the RSBY website. There is no related data available for Andaman and Nicobar Islands, Andrha Pradesh, Arunachal Pradesh, Assam, Dadar and Nagar Haveli, Daman and Diu, Jammu and Kasmir, Lakshadweep, Madhya Pradesh, Manipur, Meghalaya, Mizoram, Orissa, Pondicherry, Sikkim, and Tripura. Either the scheme is yet to be implemented in these areas or have not yet reached the Post advertisement phase in which these documents need to be submitted to the Central government technical team. Hence, status of the scheme in 16 of the 35 entities is unclear.

Bihar, Chandigarh, Chhattisgarh, Delhi, Goa, Gujrat, Haryana, Himachal Pradesh, Jharkhand, Karnataka, Kerala, Maharashtra, Nagaland, Punjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarkhand and West Bengal. Of the 19 entities that have provided data, only one state (Kerala) has provided the tender document with details of the entire scheme.

Among the 19 entities that have provided data, Chhattisgarh and Karnataka are yet to issue any smart cards. The main problem seems to be that the scheme calls for 10 bed hospitals with surgical facility and qualified staff for enrolment, which unfortunately is not available.

The most successful implementation of the scheme seems to be in Kerala with the insurance company as United India Insurance Co. Ltd with the nodal agency as CHIAK. Based on provisional data provided on the website which due to its dynamic nature are not to be trusted J the following is the implementation status of the scheme. Kottayam seems to have achieved the impossible by accomplishing 113% (more smart cards than BPL families - data might be wrong due to its provisional and dynamic nature) success. The least successful is Thiruvananthapuaram with just 31% implementation.


District BPL families No of smart cards issued Percent Completion
Alappuzha 119192 106512 89.36170213
Palakkad 143592 64288 44.77129645
Thrissur 93160 72530 77.85530271
Ernakualam 79527 49401 62.11852578
Idukki 84176 39584 47.02528036
Kottayam 64168 72800 113.452188
Pathanamthitta 50310 43054 85.57742
Kollam 105393 69630 66.06700635
Thiruvananthapuaram 147408 46661 31.65431998
Malappuram 110539 79592 72.00354626
Kozhikode 87828 71777 81.72450699
Wayanad 51442 27643 53.73624665
Kannur 75386 56832 75.38800308
Kasaragod 54286 38165 70.30357735
1266407 838469 66.20849379
State Total 1266207 838469 66.21895156


The scheme is to be providing BPL families to make use of hospitals like Gokulam Medical College, Divya Prabha Eye Hospital in Thiruvananthapuaram.However, its yet to be seen how the scheme will be implemented further after the issue of the smart cards.

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