In case of critical illness health insurance covered per family per year under the scheme Ayushman Bharat Mahatma Gandhi Rajasthan Swasthaya Bima Yojana is –
- (1)₹ 3.50 Lakhs
- (2)₹ 4.00 Lakhs
- (3)₹ 4.50 Lakhs
- (4)₹ 3 Lakhs
Answer
Why
Correct — option (3), ₹ 4.50 Lakhs.
Rajasthan's Economic Review 2020-21 describes two phases of Ayushman Bharat-Mahatma Gandhi Rajasthan Swasthaya Bima Yojana (AB-MGRSBY), and the cover changed between them.
First phase, from its launch on 1 September 2019: ₹30,000 for general illnesses and ₹3.00 lakh for critical illnesses per family per year, on a floater basis.
New phase, which the Review says “is being started from 30th January, 2021”: the sum insured rises from ₹3.30 lakh to ₹5 lakh per family per year. It is segmented into ₹50,000 for secondary illnesses and ₹4.50 lakh for tertiary illness per family per annum, on a family floater basis.
The Review labels the ₹4.50 lakh part tertiary, not critical. Reading the stem's “critical illness” as that larger part of the new-phase cover rests on RPSC's key, which marks ₹ 4.50 Lakhs.
The idea to remember: AB-MGRSBY new phase (Review: from 30 January 2021): ₹5 lakh a year = ₹50,000 secondary + ₹4.50 lakh tertiary; the first phase gave ₹3 lakh for critical illness. RPSC's key for this question: ₹4.50 lakh.
Why the others are wrong
- (1)₹ 3.50 Lakhs — ₹3.50 lakh is not a figure the Economic Review 2020-21 gives for this scheme.
The nearest figure is the first phase's total sum insured of ₹3.30 lakh (₹30,000 general plus ₹3.00 lakh critical), which the new phase raised to ₹5 lakh.
- (2)₹ 4.00 Lakhs — ₹4 lakh does not appear in the Review's account of either phase. The new phase splits ₹5 lakh into ₹50,000 for secondary and ₹4.50 lakh for tertiary illness, not ₹1 lakh and ₹4 lakh.
- (4)₹ 3 Lakhs — ₹3 lakh was the cover for critical illnesses in the first phase of the scheme, launched on 1 September 2019, as the Review records.
The new phase, which the Review says is being started from 30 January 2021, raises the total to ₹5 lakh, with ₹4.50 lakh for tertiary illness. RPSC's key is that later figure.
Concept
AB-MGRSBY aims to give cashless healthcare to poor families in Rajasthan: families under NFSA-2013 and selected families of SECC 2011, according to the Economic Review 2020-21.
Cover works on a family floater basis: one annual sum for the whole family, usable by any member. Before the new phase, the Review records 1,401 disease packages under the scheme, 663 tertiary and 738 secondary.
The new phase also raised disease packages from 1,401 to 1,576. The Review says about ₹1,750 crore a year would be spent on it, 79 per cent borne by the State.
RPSC's 2021 syllabus lists “Major Welfare Schemes of State Government” under the Economy of Rajasthan, and “Health care” under Science & Technology.
Further announcements on health cover followed in 2021. The Budget Speech of 24 February 2021 announced Universal Health Coverage, with medical insurance of ₹5 lakh for every family of the State.
The Appropriation Reply of 18 March 2021 said this would be named Chief Minister Chiranjeevi Yojana and implemented from 1 May 2021, giving cashless treatment up to ₹5 lakh a year.
Key facts
- AB-MGRSBY was launched in Rajasthan on 1 September 2019 (Economic Review 2020-21).
- First phase: ₹30,000 for general illnesses and ₹3.00 lakh for critical illnesses per family per year.
- New phase, which the Review says is being started from 30 January 2021: sum insured ₹5 lakh, split into ₹50,000 secondary and ₹4.50 lakh tertiary illness.
- An MoU for the new phase was signed on 14 January 2021 between the Rajasthan State Health Assurance Agency and The New India Assurance.
- Disease packages rose from 1,401 to 1,576 in the new phase.
Source: Rajasthan Economic Review 2020-21 (medical and health sections). The Review uses “critical illnesses” for the ₹3.00 lakh cover; RPSC's key marks ₹4.50 lakh, which the Review calls tertiary.
Study next
Common traps
- Using the first-phase figure: ₹3 lakh for critical illness belongs to the phase launched on 1 September 2019, before the new phase the Review dates from 30 January 2021. RPSC's key marks the new phase's ₹4.50 lakh tertiary figure instead.
- Mixing the parts with the total: ₹4.50 lakh is the tertiary part; ₹5 lakh is the whole sum insured.
- Reading ₹3.30 lakh as a component: it was the first phase's total, ₹30,000 plus ₹3.00 lakh.
A question can ask the insurance cover for one category of illness under a state health scheme, with figures from different phases as options.
A question can also ask the total sum insured, the launch date, or the families eligible.
Related PYQs
UnlockIAS will link similar questions from RAS Pre 2016 here once that paper is published on this site.
Practice
- practice — not a real PYQ
In the new phase of Ayushman Bharat-Mahatma Gandhi Rajasthan Swasthya Bima Yojana described in Rajasthan's Economic Review 2020-21, the sum insured per family per year was raised to
- (a)₹3.30 lakh
- (b)₹4.50 lakh
- (c)₹5 lakh
- (d)₹10 lakh
Answer(3) — The Review says the sum insured was increased from ₹3.30 lakh to ₹5 lakh. Option (1) is the earlier total, option (2) is only the tertiary part, and option (4) is not given. - practice — not a real PYQ
According to Rajasthan's Economic Review 2020-21, Ayushman Bharat-Mahatma Gandhi Rajasthan Swasthya Bima Yojana was launched in the State on
- (a)1 September 2019
- (b)23 September 2018
- (c)30 January 2021
- (d)1 May 2021
Answer(1) — The Review gives 1 September 2019. Option (2) is the national launch of AB PM-JAY, option (3) is when the new phase was to start, and option (4) is the date announced for Chief Minister Chiranjeevi Yojana.