Which feature of Chief Minister Chiranjeevi Health Insurance Scheme is incorrect?
- (1)Under the scheme for different ailments 1576 types of packages and procedures will be available.
- (2)The disease for which a patient is admitted to a hospital, 5 days prior to that and 10 days after the discharge from the hospital all expenditure on investigation, medicines and consultation fee in the hospital will be included in the package.
- (3)It was started on May 1, 2021
- (4)Under this scheme an insurance cover of ₹ 4.50 Lakhs is payable per year per family for serious ailments.
Answer
Why
Correct — option (2), The disease for which a patient is admitted to a hospital, 5 days prior to that and 10 days after the discharge from the hospital all expenditure on investigation, medicines and consultation fee in the hospital will be included in the package.
The stem asks for the incorrect feature. The fault in option (2) is the period after discharge.
Rajasthan's Economic Review 2021-22, published after the exam with scheme figures to December 2021, lists this feature of the Mukhyamantri Chiranjeevi Swasthya Bima Yojana (MMCSBY): "Includes 5 days pre and 15 days post-hospitalization expenses." The Economic Review 2022-23, with figures to November 2022, gives the same 5 and 15 days.
So 5 days before admission matches, but 10 days after discharge does not: both Reviews give 15 days.
The other features match the Review 2021-22: the scheme was launched from 1 May 2021, and cover of ₹4.50 lakh for critical illnesses is given per family per year. On the package count, the sources differ; see option (1).
The idea to remember: 5 days before admission, 15 days after discharge.
Why the others are wrong
- (1)Under the scheme for different ailments 1576 types of packages and procedures will be available. — RPSC's key marks option (2), not this one, as the incorrect feature. The package count depends on the source and its date, and neither Economic Review quoted here prints 1,576.
The Review 2022-23 says "Initially 1,572 packages were offered under the scheme". It adds that COVID-19, mucormycosis and dialysis packages were included later, 61 new packages in all, and that there are "now total 1,633". The Review 2021-22 counts 1,597 packages: 465 secondary and 1,132 tertiary.
Both Reviews were published after the exam, so neither gives the count on the exam date.
- (3)It was started on May 1, 2021 — This feature matches both Economic Reviews, published after the exam: each says Rajasthan launched the Mukhyamantri Chiranjeevi Swasthya Bima Yojana from 1 May 2021.
The Review 2021-22 adds that a new phase of the Ayushman Bharat-Mahatma Gandhi Rajasthan Swasthya Bima Yojana had begun earlier, on 30 January 2021, covering 1.10 crore NFSA and SECC families free.
- (4)Under this scheme an insurance cover of ₹ 4.50 Lakhs is payable per year per family for serious ailments. — This feature matches the Review 2021-22: "Health Insurance cover of ₹50,000 (for general illnesses) and of ₹4.50 lakh (for critical illnesses) per family per year is provided on floater basis." That is ₹4.50 lakh for critical illnesses, alongside ₹50,000 for general illnesses.
The cover changed after the exam: the Review 2022-23 records a rise from ₹5 lakh to ₹10 lakh per family per year from 1 April 2022.
Concept
Health insurance pays for treatment up to a sum insured. Under MMCSBY the Review 2021-22 describes cashless in-patient (IPD) treatment at empanelled hospitals, both government and private.
The cover is on a floater basis: one sum insured for the family, not a separate sum for each member. Treatment is listed as disease packages, some of which are reserved for Government Medical Institutions.
Pre- and post-hospitalisation cover extends a package to costs shortly before admission and after discharge. For this scheme both Economic Reviews give 5 days and 15 days.
RPSC's 2021 syllabus lists "Major Welfare Schemes of State Government for SC/ST/Backward Classes/ Minorities/ Disabled Persons, Destitute, Women, Children, Old Age People, Farmers & Labourers." under the Economy of Rajasthan.
The Review 2021-22 says MMCSBY envisages health insurance for the entire population of the State. NFSA and SECC families, small and marginal farmers, contractual workers and COVID-19 ex-gratia beneficiaries are covered free; others can join by paying ₹850 per family per year, which it calls 50 per cent of the premium.
A Health Department registration guide online by May 2021 asks for the family's Jan Aadhaar number or Jan Aadhaar registration receipt number, and a premium of ₹850 from paid-category families.
Key facts
- Economic Review 2021-22 (published after the exam): MMCSBY was launched from 1 May 2021 and envisages health insurance for the entire population of Rajasthan.
- Review 2021-22: cover of ₹50,000 for general illnesses and ₹4.50 lakh for critical illnesses per family per year, on floater basis.
- Economic Reviews 2021-22 and 2022-23, both published after the exam: expenses of 5 days before and 15 days after hospitalisation are included.
- Package counts in the Reviews, both published after the exam: 2021-22, 1,597 (465 secondary, 1,132 tertiary); 2022-23, 1,572 initially and 1,633 'now'.
- Review 2022-23: cover raised from ₹5 lakh to ₹10 lakh per family per year from 1 April 2022, after the exam date.
Sources: Economic Review 2021-22 and 2022-23, Directorate of Economics & Statistics, Rajasthan; both published after the exam.
Study next
Common traps
- Checking only the first number in a two-number feature: option (2)'s 5 days before admission matches; its 10 days after discharge does not.
- Carrying the ₹10 lakh cover back to 2021: the Review 2022-23 dates the rise from ₹5 lakh to ₹10 lakh to 1 April 2022.
- Treating the package count as fixed: the Reviews, both published after the exam, give 1,597 (2021-22) and 1,572 initially, then 1,633 after 61 new packages were added (2022-23).
A question can list a State scheme's features with dates, amounts and counts and ask which one is incorrect.
A question can also ask a scheme's launch date, its cover for general and critical illnesses, or the amount paid by families outside the free categories.
Related PYQs
Consider the following statements regarding Indira Gandhi Urban Employment Guarantee Scheme : (i) It guarantees per year 125 days’ employment for families residing in Urban Areas. (ii) After registration, the eligible candidate has to be provided employment in 30 days.
- (1) Neither (i) nor (ii) is correct.
- (2) Both (i) and (ii) are correct.
- (3) Only (ii) is correct.
- (4) Only (i) is correct.
Answer(4)
Same skill on another Rajasthan scheme: that question checks two numerical features of the Indira Gandhi Urban Employment Guarantee Scheme, 125 days' employment a year and employment in 30 days after registration (RPSC's key: only (i) is correct). This one checks four features of the Chiranjeevi health insurance scheme.
Practice
- practice — not a real PYQ
According to Rajasthan's Economic Review 2021-22, the Mukhyamantri Chiranjeevi Swasthya Bima Yojana includes post-hospitalisation expenses for how many days?
- (a)5 days
- (b)10 days
- (c)15 days
- (d)30 days
Answer(3) — The Review lists "5 days pre and 15 days post-hospitalization expenses". Option (1), 5 days, is the pre-hospitalisation period. Options (2) and (4) are not the figure the Review gives for either period. - practice — not a real PYQ
As described in Rajasthan's Economic Review 2021-22, a family outside the free categories could join the Mukhyamantri Chiranjeevi Swasthya Bima Yojana by paying, per family per year,
- (a)₹500
- (b)₹850
- (c)₹1,700
- (d)₹5,000
Answer(2) — The Review gives ₹850 per family per year, which it calls 50 per cent of the premium, with the State paying the other half. Option (3) is double that amount, not the family's share. Options (1) and (4) are not figures the Review gives for the payment.