Insurance
Rajiv Gandhi Jeevandayee Arogya Yojana: What you need to know

Jeevandayee scheme offered by the Maharashtra government is a good health insurance option for families earning less than Rs1 lakh per year. The premium is paid by the state government for insurance cover up to Rs1.5 lakh. Find out the details of the scheme

The Maharashtra government has launched Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) in order to improve medical access facility for both Below Poverty Line (BPL-Yellow ration card holders) and Above Poverty Line (APL-Orange card ration holders) families. RGJAY would be implemented throughout the state of Maharashtra in phased manner for a period of three years.

 

Launched in July 2012, RGJAY was introduced in eight of the state’s 35 districts on a pilot basis. Currently, the insurance coverage under the RGJAY is offered for the 49 lakhs eligible beneficiary families in eight districts: Gadchiroli, Amravati, Nanded, Sholapur, Dhule, Raigad, Mumbai and its suburbs. It aims to eventually reach eight crore people. The premium of Rs333 per family per year is borne by the state government.

 

Highlights of the scheme:

 

  • Rashtriya Swasthya Bima Yojana (RSBY), a government-run health insurance scheme for the Indian poor covers only up to Rs30,000. On the other hand, RGJDAY from Maharashtra state government gives free health insurance up to Rs1.5 lakh

 

  • The benefit shall be available to each and every member of the family on a  floater basis i.e. the total annual coverage up to Rs1.5 lakh can be availed by one individual or collectively by all members of the family

 

  • It covers families earning less than Rs1 lakh a year. An individual needs to have a yellow or orange ration card in order to take advantage of this scheme

 

  • The hospitals on the panel offer cashless service. There will be no deposit to be given by the beneficiary. No payment to be made even if the hospital charge is more for the procedure. There is no Pre-existing Disease (PED) waiting period. There will be no other exclusions

 

  • Private hospitals on the panel include well-known Mumbai hospitals like Asian Heart and Research Centre, RN Cooper, SevenHills Healthcare, Tata Memorial Hospital and Research Centre and so on

 

  • The scheme would provide 972 surgeries/therapies/procedures along with 121 follow up packages in 30 identified specialized categories like ENT surgery, plastic surgery, burns, infectious diseases, neurology, cardiology, gastroenterology, critical care, etc. The network hospitals will provide free follow-up consultation, diagnostics, and medicines under the scheme, up to 10 days from the date of discharge

 

  • The scheme also covers kidney transplants free of cost by producing the health card. In case of renal transplant surgery, the immunosuppressive therapy is required for a period of one year. The upper ceiling for renal transplant would be Rs2.5 lakh per operation as an exceptional package exclusively for this procedure

 

  • The insurance company shall ensure that at least one free medical camp is conducted by each network hospital per week at the place suggested by RGJAY society

 

In the next article we will cover the progress and hurdles faced by the RGJAY scheme

 

To read more articles by Raj Pradhan, please click here.

User

COMMENTS

mahesh kulkarni

1 year ago

When hip and knee joint replacements START under Rajiv Gandhi yojana...???????????

mahesh kulkarni

1 year ago

When hip and knee joint replacements START under Rajiv Gandhi yojana...???????????

Saurabh Sharma

1 year ago

village=bajhera ,post=deewahamidpur,pin =202141,dic=aligarh, u.p me 10 saal se laet problam h ,vill m laet hi ni h

zain

2 years ago

few years back my dad met vth an accident.. he got his hip bone changed vth a steel ball... now dr are saying tht their occur a space betwn steel ball n the bone in which steel ball is placed... as a result he is suffering frm unbareable pain... so we need to go for a revision surgery n tht particular part is to b replaced vth a implant... plz tell me tht... do this yojna cover such surgery...
my no is 9773058121
name is ali zain

margaret crasto

2 years ago

pls help me to get my name registered or let me know how to get this rajiv ghandhi health card
send email to
[email protected] or send sms on mob 98 33 888 673 appreciate many thanks
margaret

Priya

2 years ago

in mumbai where is the help desk? for rajiv Gandhi yojana?

shakeel kazi

2 years ago

dear
pls tell me can i get my hip replacement surgery in this scheme.pls also suggest hospital near andhei east operating same

shakeel

Rajesh Mishra

2 years ago

there should be a sms alert of every yogna on public mobile an online.

minesh

3 years ago

can anyone pls help me -where to get necessary forms etc for this? or whom to approach for the same?

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Over a staggering 28 lakh complaints received by SEBI in the last fiscal alone

SEBI has had a poor track record in resolving and responding to complaints. It also does not have data pertaining to PoA abuses. The government has asked the market regulator to resolve complaints faster

Rajeev Chandrashekar, Member of Parliament, who had taken cognizance of one particular shocking story brought up by Moneylife, of a retired army veteran Wing Commander CR Mohanraj who nearly lost all his life savings decided to bring to notice issues of small investors in the parliament. Namo Narain Meena, minister of state for finance responded that as many as 28 lakh investor grievances were received by the market watchdog, Securities Exchange Board of India (SEBI). More shockingly, it was found out that SEBI does not have data about Power of Attorney (POA) abuses and hence has no data pertaining to the same.

 

The minister said, “SEBI has system of categorising the complaints received from investors against stock brokers on 26 parameters based on complaints generally received by it. Complaints of forged POA do not fall in any of these 26 parameters. Thus, SEBI does not have data about the number of incidents where investor's stocks were mishandled and/or allegedly liquidated by brokers, purely based on a forged POA.”

 

SEBI said it has no data pertaining to POA abuses which is quite common and easy to pull off.  Often times, there have been incidents of stock brokers misusing the Power of Attorney (PoA) and getting forged signatures from clients, so that they can sell off customers’ accounts to meet their liquidity needs. Many hapless customers have sent complaints to SEBI only to be shafted.

 

This suggests that SEBI has a long way to go in terms of offering adequate investor protection. If at all some of the recent measures have been bereft of any logic and homework and have been partial towards institutions, where the once much-maligned entry load was a cheaper option for investors. More shockingly was the way SEBI treated small investor and army veteran Wing Commander CR Mohanraj, who was wiped out by Motilal Oswal which nearly drove him to suicide as he lost his life savings. Stories like these have put spotlight on regulation and protection of small investors in India.

 

We had done an in depth cover story—Needed: Financial literacy for regulators—on regulators a while back and why investor population has dwindled rapidly.

 

Whether SEBI has put an effective centralised complaint mechanism in place for speedy redressal of these complaints/grievance, the minister said that SEBI’s new online complaint redressal system, SCORES, has reduced the processing time of complaints. The minister said, “SEBI has informed that it commenced a new web-based centralised grievance redressal system called SCORES (SEBI Complaints Redress System) on 8 June 2011. Despite the new system put in last fiscal, the number of complaints at a staggering 28 lakh in one year speaks of not only how slow it has been in disposing off complaints but also the state of the retail investor in India.

 

Click here to read what we had to say about regulators, especially SCORES system.

 

According to the minister, the government has directed SEBI to take appropriate action in time on investor grievances and send its reply to the complainants. Whether it will do anything to fast-track or do anything at all is anyone’s guess.

User

COMMENTS

sachchidanand

4 years ago

I had pointed out SEBI's lethargic & condemnable attitude towards Investors in the past. SCORES is a mere eye wash. Before the birth of SCORES , I used to lodge complaints in physical form , for which I received post cards from SEBI , with distinctive numbers . Now I have started receiving Registered AD letters , informing me that , since I did not send reminders, it is presumed that these have been " RESOLVED" and they have been closed out in their records! What a way to " Resolve" !

Subsequently, I had lodged 180 complaints on SCORES and not a single complaint has been "resolved" in the real sense.I spent considerable time and money in lodging these complaints under wrong belief that SCORES will redress my complaints. My protests have simply fallen on deaf ears.

This gives rise to raise serious doubts about SEBI's real willingness to redress complaints. SEBI is acting just as a postmaster . Complaints are forwarded to same Company's who have misappropriated IPO moneys . If at all some reply to SEBI , they cite same reply that they are dutifully observing SEBI regulations . There is no serious effort by SEBI to resolve any complaint. Even RTI querries are replied casually and protect the very same Merchant Bankers who did due diligence for IPO's for promoters who have now vanished and are hiding outside India.

It will be better to wind up SEBI and save the taxpayers money for this white elephant.

Vikas Gupta

4 years ago

SCORES is not beneficial to small investors. I myself have filed 3 complaints at SCORES pertaining to Different Companies/MFs/Stock Broker but didn't got a positive response from SEBI except that your Complaints have been Disposed off. SEBI Officials are with the Larger Fishes of our Country.

Vaidya Dattatraya Vasudeo

4 years ago

And this does not include people like me who have stopped complaining, knowing that it is nothing better than a simple red post box.

Vaibhav Dhoka

4 years ago

SEBI's complaint redressal mechanism is and was always on lowest edge.All this because we in INDIA have NO ACCOUNTABILITY system,may it be bureaucracy,executive or judiciary.The SCORES is utterly failure mechanism.SEBI thinks every INDIAN investor is e-savvy i.e. he has internet at his hands,but its not the case.And SEBI can throw all responsibility on this system.This is the reason why small investors are running away from securities market as well as Mutual funds.The biggest flaw is the cost is unbearable to go to JUDICIARY,which adds salt to wound.The complaints at SEBI are settled at A PRICE.If you pay price you get reward in your favor otherwise your complaint gets reply NO ACTION.SEBI does not justify its action.Pitiable condition of INDIAN investor.

nagesh kini

4 years ago

SCORES or not web-based, it is the apathy of the powers that be at the top in SEBI that have allowed the staggering numbers of complaints to mount,it makes a sheer mockery of what they call a Grievance Redress Mechanism.
Have SEBI bosses made any real attempt to prioritize the complaints by categories? It looks as if they are just filed even without an acknowledgement.
Why not out source the entire exercise to dedicated NGOs/professionals/IT?
If passports can be outsourced why not these too?

nagesh kini

4 years ago

SCORES or not web-based, it is the apathy of the powers that be at the top in SEBI that have allowed the staggering numbers of complaints to mount,it makes a sheer mockery of what they call a Grievance Redress Mechanism.
Have SEBI bosses made any real attempt to prioritize the complaints by categories? It looks as if they are just filed even without an acknowledgement.
Why not out source the entire exercise to dedicated NGOs/professionals/IT?
If passports can be outsourced why not these too?

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