Not yet classifiedRASHT
Rashtriya Swasthya Bima Yojana (RSBY)
A government-run health insurance program providing cashless hospitalization coverage of up to ₹30,000 per family per year to Below Poverty Line (BPL) families in the unorganized sector. Now subsumed under PM-JAY.
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Up to ₹₹30,000
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Official fee
₹0
The registration fee for the original smart card was ₹30. Beneficiaries under the current PM-JAY scheme enjoy 100% free card generation.
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Avoid private agents demanding high charges for health cards. Official PM-JAY card generation is free at empanelled centers.
Only the "Apply on official portal" button above leads to the verified government site.
Highlights and Media
Key Highlights
Cashless Hospitalization
Cashless secondary healthcare coverage of up to ₹30,000 per family per year in empanelled hospitals.
Biometric Smart Card
Secure biometric-enabled cards with family photos and fingerprints to prevent identity fraud.
Subsumed under PM-JAY
The scheme has been merged into Ayushman Bharat, upgrading the family cover limit to ₹5 Lakh per year.
RSBY Premium Funding Ratio
Standard cost sharing ratio between Central and State governments
Who is eligible
- Beneficiary belongs to BPL category or unorganized sector worker family.
Eligibility rules · v1 · effective 1 January 2020
Who is not eligible
- Scheme benefits are open to operating locations and individuals.
How to apply
Check PM-JAY Eligibility
Visit pmjay.gov.in dashboard or local hospital counter to check your inclusion in the BPL/SECC list.
Typical duration · 1 day
Verify Documents at Center
Present BPL Ration Card and Aadhaar Card to Ayushman Mitra at any empanelled clinic or hospital.
Typical duration · 1 day
Get Ayushman Card
Complete biometric authentication to generate the e-card and receive up to ₹5 Lakh upgraded cashless health cover.
Typical duration · 1 day
Sources
- National Health Authority - PM-JAYMINISTRY_PORTAL · Fetched 5 July 2026
Additional Details
The Rashtriya Swasthya Bima Yojana (RSBY) was a pioneer government-run health insurance scheme launched by the Ministry of Labour and Employment, now transferred to the Ministry of Health and Family Welfare. It was designed to protect unorganized sector workers and Below Poverty Line (BPL) families from financial shocks arising out of medical emergencies.
The scheme provided cashless outpatient and inpatient care of up to ₹30,000 per family per year in any empanelled public or private hospital using a smart card based biometric verification system. In 2018-19, the program was formally subsumed into Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PM-JAY).
Related / Stackable schemes
Government Scheme·Up to ₹₹5,00,000
Ayushman Bharat Yojana (PM-JAY)
Provides cashless and paperless health insurance cover of up to ₹5 Lakh per family per year for secondary and tertiary care hospitalization to over 12 crore poor and vulnerable families.