Rashtriya Arogya Nidhi

Benefits
The financial assistance to such patients is released in the form of "one time
grant" to the Medical Superintendent of the hospital in which the treatment is
being received
Beneficiaries
Patients who are living below poverty line who is suffering from major life
threatening diseases
Department/ Office concerned
super specialty Govt. hospitals / institutes or other Govt. hospitals
Documents required

Procedure
The following information /documents are required to be sent to this Ministry in
original to process request for financial assistance under RAN :1. An application in the enclosed format with medical report on the Page no. 2 of
the attached proforma duly signed /stamped by the treating Doctor/ Head of
Department and Countersigned by Medical Superintendent in original from the
Government Hospital where you receive the treatment and Page 1 of the
proforma should be filled in respect of all columns.
2. Monthly Income Certificate (in original) of the patient/parents/other major
earning members of the family duly certified by the Block/Mandal Development
Officer/ Tehsildar/ S.D.M/ Administrator/ Special Officer of Municipal
Boards/District Officer stating that the beneficiary belongs to a family living
below poverty line in the area of their jurisdiction and including the source of
income.
3. A copy of the entire ration card along with its cover page, covering details of
all the family members, issued by the Food and Supply Department of the State
Government duly attested by a Gazetted Officer with seal bearing the name and
designation of the Officer and Department where working.
4. It may be noted that re-imbursement of medical expenditure already incurred
for treatment /operation is not admissible under Rashtriya Arogya Nidhi except
for those cases which fall within the purview of Para 4 (iv) of the guidelines.
5. Cases for treatment in private hospital are not entertained.
6. All the columns of the application form may be filled properly.

7. The request for financial assistance will be considered immediately on receipt

of above said information/papers in original.

Estimated time

Janashree Bima Yojana merged with Aam Admi Bima

Yojana and renamed as Aam Admi Bima Yojana

Benefits
i)

ii)

NATURAL DEATH - Upon death of a member, during the period of

insurance cover the Sum Assured of Rs.30,000/- under assurance, then
in force, shall become payable to the nominee.
ACCIDENTAL DEATH / DISBILITY BENEFITS - The following benefits are
provided to members in case of accident, during the period of
insurance cover
a)
On death, due to accident
Rs.75,000/-

b)
Rs.75,000/-

Permanent

Total

Disability,

due

to

accident

i. Loss of 2 eyes or 2 limbs OR

ii. Loss of one eye & one limb, in an accident
c)

Loss of one eye or one limb, in an accident

Rs.37,500/iii)

Scholarship benefits - Scholarship as a Free Add-on benefit will be

provided to a maximum of two children of the beneficiary studying
between 9th to 12th Standard @ Rs.100/= per month for each child
payable half yearly on 1st July and on 1st January, each year.

Beneficiaries
The members should be aged between 18 years completed and 59 years nearer
birthday.
The member should normally be the head of the family or one earning member
of the below poverty line family (BPL) or marginally above the poverty line under
identified vocational group/rural landless household.

Department/ Office concerned

Nodal Agency shall mean the Central Ministerial Department/State
Government
/
Union
Territory
of
India/any
other
institutionalized
arrangement/any registered NGO appointed to administer the Scheme as per the
rules. In the case of Rural Landless Households, the nodal agency will mean
the State Government/Union Territory appointed to administer the Scheme.

Documents required
Age Proof:

Ration Card
Extract from Birth Register
Extract from School Certificate
Voters List
Identity card issued by reputed employer/Government Department.
Unique Identification Card (Aadhar Card)

a) Claim Form duly completed in all respect

b) Original death certificate along with a copy duly attested.
c) In case of accident benefit claim the following additional requirements will
have to be submitted along with the Death Registration Certificate:

Copy of FIR
Post Mortem Report
Police Inquest Report
Police Conclusion Report / Final Report of Police
d) For permanent total disability benefit, the claimant has to submit
documentary evidence of the accident, as also the Medical certificate from
a Government Civil Surgeon or qualified Government Orthopaedician
certifying permanent total/ partial disability due to accident, stating loss of
limb/s of the member covered under the scheme.

Procedure

The death or disability claims under the scheme will be settled by the
P&GS Unit of LIC by making direct payment to the beneficiaries through
NEFT or where there is no NEFT facility available then in such cases
directly to the bank account of beneficiaries with prior approval from
Competent authority the A/C payee cheque or claim can be paid by any
other mode as decided by LIC.
In the event of death of the member during the period of coverage and
while the policy is in force, his/her nominee will have to make an
application along with Death Certificate for payment of claim amount
to the designated official of the Nodal Agency.
The designated official of the Nodal Agency shall verify the claim
papers and submit the same along with the death certificate and a
certificate that the deceased member was head /earning member of
the family belonging to the BPL/Marginally above BPL family under the
eligible occupations under the scheme.
Nodal Agency should submit along with the application

Claim Procedure for Scholarships

The member whose child is eligible for scholarship shall fill up an

application form half yearly and submit it to the Nodal Agency. The
Nodal Agency will identify the students.
The Nodal Agency in turn will submit the list of beneficiary students to
the concerned P&GS unit with full details such as name of the student,
schools name, class, members name, master policy no., membership
no. and NEFT details for direct payment.
Every half year, for 1st July and 1st January, each year LIC will credit
the scholarship payment to the Account of the beneficiary student, by
NEFT.

Any other mode of payment of scholarships

LIC/Government may be applicable in future.

as

decided

by

Premium
The premium to be charged initially under the scheme will be Rs.200/- per
annum per member for a cover of Rs.30,000/-, out of which
50% will be
subsidized from the Social Security Fund . In case of Rural Landless Household
(RLH) remaining 50 % premium shall be borne by the State Government/ Union
Territory and in case of other occupational group the remaining 50% premium
shall be borne by the Nodal Agency and/or Member and/or State Government/
Union Territory

Occupational Groups

S.No Occupation

S.No.

Occupation

.
1

Beedi Workers

25

Food Stuffs like Khandsari / Sugar

Brick Kiln Workers

26

Textile

Carpenters

27

Manufacture of Wood Products

Cobblers

28

Manufacture of Paper Products

Fishermen

29

Manufacture of Leather Products

Hamals

30

Printing

Handicraft Artisans

31

Rubber & Coal Products

Handloom Weavers

32

Chemical Products like candle manufacture

Handloom & Khadi Weavers

33

Mineral products like earthen toys manufacture

10

Lady Tailors

34

Agriculturists

11

Leather & Tannery Workers

35

Transport Drivers Association

12

Papad

Workers

attached

to 36

Transport Karmacharis

SEWA
13

Physically

Handicapped

Self 37

Rural Poor

Employed Persons
14

Primary Milk Producers

38

Construction Workers

15

Rickshaw Pullers / Auto Drivers

39

Fire Crackers Workers

16

Safai Karamacharis

40

Coconut Processors

17

Salt Growers

41

Aanganwadi Teachers

18

Tendu Leaf Collectors

42

Kotwal

19

Scheme for the Urban Poor

43

Plantation Workers

20

Forest Workers

44

Women Associated with Self-Help Groups

21

Sericulture

45

Sheep Breeders

22

Toddy Tappers

46

Overseas Indian Workers

23

Powerloom Workers

47*

Rural Landless Households

24

Hilly Area Women

48

Unorganized workers covered under RSBY

References
http://www.licindia.in/aam_admi_features.htm

ECHS - EX-SERVICEMEN CONTRIBUTORY HEALTH

SCHEME

Benefits
ECHS provides cashless medical coverage for the Ex-servicemen and their
dependants in the established 227 polyclinic/military hospitals/empanelled
hospitals across India

Beneficiaries
Ex-servicemen only, who have served in Army/Navy/Air force/Indian Coast
Guard/Special Frontier Force with income less than Rs.1500/- p.m., unemployed
sons less than 25 years and unemployed, unmarried daughters

Department/ Office concerned

REGIONAL HEADQUARTER
Jammu
New Delhi
Chandimandir
Jaipur
Lucknow
Kolkata

Patna
Jabalpur
Pune
Hyderabad
Chennai
Kochi

FOR STATE OF
J&K
Haryana, Delhi and NOIDA
Himanchal, Punjab, Chandigarh
Rajisthan
Uttarancha, Uttar Pradesh less NOIDA
West
Bengal,
Assam,
Meghalaya,
Manipur, Tripura, Mizoram, Nagaland,
Arunchal Pradesh, Sikkim
Bhiar, jharkhand
Madhya Pradesh, Orissa, Chattisgarh
Maharashtra,Gujarat&Goa
Andhra Pradesh, Karnataka
Tamil Nadu, Andaman & Nicobar and
Pondhicherry
Kerala & Lakshadweep

This scheme will be available at 104 Military Stations and at 123 Non Military
Stations

Documents required

Pension Paying Order.

Certificate of Service IAFY 1964.
Ex-Servicemen Identity Card.
Affidavit as per given format.
Bank Draft Payable to the Director ECHS as follows:Monthly Pension
Less than 3000
Rs.3001 - 6000
Rs.6001 - 10000
Rs.10001 15000
More than Rs.15000

Contribution
Rs.1800/Rs.4800/Rs.8400/Rs.12000/Rs.18000/-

Procedure
To acquire membership of ECHS, the ESM pensioner has to follow the under
mentioned steps:(a) Collection of application form.
(b) Payment of contribution by MRO.
(c) Provision of affidavit.

(d) Filling up application form.

(e) Submission of completed application form.
(f) Collection of ECHS Smart Card on intimation.
For preparation of ECHS Card, he/she should be accompanied by all dependents
If any member of this scheme falls ill, take the person to the nearest clinic with
the ECHS membership card. The patient will be treated/referred to the
appropriate specialist for treatment. For tests that cannot be conducted at the
clinic, the member will be referred to a diagnostic centre. Medicines will also be
provided. In case there is a requirement of buying some medicines which are not
available at the clinic, the money spent will be reimbursed on production of bills.
If hospitalization is required, the patient will be referred to a Military Hospital or a
private hospital. The hospital bills will be paid directly by the organization.

Estimated Time
Hospital bills, once received at the Polyclinic along with necessary supporting
documents, will be processed as per approved rates. Payment to the Empanelled
Hospital will be made within 60 days of submission of claim.

References
http://www.dgrindia.com/directorate/kbs14.html
indianairforce.nic.in/RTI/ECHSHandbook3rdissue.pdf

http://echs.gov.in/