Summary

This bill fixes the rules and regulations for the setting up of a subsidized national health insurance scheme for the population living on income below the poverty line in India that will rely on health insurance projects in all the districts of the States of India.
The salient features of the scheme are:
Funding Pattern
(i) Contribution by the Government of India: 75% of the estimated annual premium of Rs.750, subject to a maximum of Rs. 565 per family per annum. The cost of smart card will be borne by the Central Government.
(ii) Contribution by respective State Governments: 25% of the annual premium, as well as any additional premium.
(iii) The beneficiary would pay Rs. 30 per annum as registration/renewal fee.
Eligibility
Unorganized sector workers belonging to BPL category and their family members (a family unit of five).
The beneficiaries will be issued smart cards for the purpose of identification.
Benefits
The State Governments are advised to incorporate at least the following minimum benefits in the package / scheme:
* The unroganised sector worker and his family (unit of five) will be covered. Total sum insured would be Rs. 30,000/- per family per annum on a family floater basis.
* Cashless attendance to all covered ailments
* Hospitalization expenses, taking care of most common illnesses with as few exclusions as possible
* All pre-existing diseases to be covered
* Transportation costs (actual with maximum limit of Rs. 100 per visit) within an overall limit of Rs.1000.