What’re the Problems of Workers in Unorganized sector?

• workers in the unorganized sector constitute about 93% of the total work force in the country. 
• Majority of the workers are still without any social security coverage.
• frequent incidences of illness and need for medical care and hospitalization of such workers and their family members.
• Despite the expansion in the health facilities, illness remains one of the most prevalent causes of human deprivation in India.
• health insurance is one way of providing protection to poor households against the risk of health spending leading to poverty.
• Poor are unable or unwilling to take up health insurance because of its cost, or lack of perceived benefits

What’re The Salient Features Of The Swasthya Bima Scheme?

• Contribution by Government of India: 75% of the estimated annual premium of Rs.750
• cost of smart card will be borne by the Central Government.
• Contribution by respective State Governments: 25%
• beneficiary would pay Rs. 30 per annum as registration/renewal fee.
• administrative and other related cost of administering the scheme would be borne by the respective State Governments

Who is Eligible?

• Unorganized sector workers belonging to BPL category and their family members (a family unit of five) shall be the beneficiaries under the scheme.
• beneficiaries will be issued smart cards for the purpose of identification.

What are the Benefits ?

• Unorganized sector worker and his family (unit of five) will be covered. 
• Total sum insured would be Rs. 30,000/- per family per annum
• Cashless attendance to all covered ailments
• Hospitalization expenses, taking care of most common illnesses
• 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.