Recently, we came across news in an online Publication, timesofindia.indiatimes.com
NEW DELHI: The labour ministry has moved a Cabinet proposal to extend the health insurance scheme for BPL families — Rashtriya Swasthya Bima Yojana — to domestic workers. It means government will register workers, mostly maids working in domestic households, to give them insurance benefit.
The task force has recommended that RSBY, a health insurance scheme offering upto Rs 30,000 for BPL families, be extended to domestic helps. If the move bears fruit, it will mean a protective umbrella for the largely tribal and backward population from Orissa, Jharkhand, West Bengal and Andhra Pradesh.
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Experts from Medimanage.com give their opinion:
This is very good initiative & if implemented in correct manner, can help many BPL domestic workers not going under burden of loans & borrowings due to hospitalisation of the bread-earners of the family.
The health insurance cover is currently very small & hence, Government should also include critical illnesses cover, absence of which generally drains the meagre savings of the family & sometimes pushes the family into trap of loan sharks.
The premium payment of 25% by the insured will bring in the awareness of the health insurance plan to these members & utilisation levels would be good.
The premium payable would be roughly around Rs. 90 to 150 per person per year.
This will bring large population under Health Insurance coverage & current statistics of penetration of insurance will change drastically.