A discussion on various social and financial protection schemes.

1. Financial Benefit Schemes under
National Health Programme
Presenter
Dr. Nairita Dalui
Junior Resident
School of Public Health
PGIMER
Moderator
Dr. Sonu Goel (for Dr.Shankar Prinja)
Additional Professor
School of Public Health
PGIMER

2. Disclaimer: This presentation is just an illustration
of various financial benefit schemes and not a
comprehensive detailed presentation including all
the schemes

3. No of rural
poor (million)
No of urban
poor(million)
Total(million) Percentage of
poor
Ranjarajan
committee
260.5 102.5 363 29.5%
Tendulkar
Committtee
216.5 52.8 269 21.9%
• According to the report of Ranjarajan committee, the condition of poverty in India---
• Many people face economic hardships in case of illness and that out-of-pocket
expenditure push them towards poverty.
• So financial benefit schemes for those needy population is extremely necessary
Necessity of financial benefit schemes:
[Source: http://pib.nic.in/newsite/PrintRelease.aspx?relid=108291]

4. Types of financial benefits
Product Services Cash
Free/ subsidized food
grains,
Ex: Public
Distribution System
Free diagnostics,
hospitalization, transports,
but no direct cash transfer
Ex: Ayushmaan Bharat
Direct Benefit
Transfer
Ex: Janani Suraksha
Yojana

5. Govt schemes other than Health
programmes providing benefits
ESIS
ECHS
CGHS
For specified population For all
Health Insurance
Providing cashless treatment
and cash benefit both
• The New India assurance company ltd
• United India Insurance Company

6. Scope of presentation:
 Background
 Types of Benefit schemes
 Various Financial benefit schemes
• Health for population
• For children and adolescents
• For Maternal and child care
• For girl child specially
• For family planning
• For elderly
 Conclusion
• For disabled population
• For housing and sanitation
• For employed & unemployed
• For treatment
• In death

7. Rastriya Swastha Bima Yojana
Cashless smart card based
health insurance coverage
Total 2.4 crore
families covered
Initially for BPL, later extended
Coverage of Rs 30,000 per
year for each enrolled family
Share of Centre & State 75:25
Introduced in 15.8.2007
www.rbsy.gov.in

8. National Health Protection Scheme
• From Sept 25, 2018
• World's largest government-funded healthcare scheme
• Unmet needs of the population hidden due to lack of financial resources
• Comprehensive primary health care
• Free essential drugs and diagnostic
services
• 1.5 lakh centers all over India
Health and Wellness Centre

9. Pradhan Mantri Jan Arogya Yojana (Ayushmaan Bharat)
To reduce out of pocket
health expenditure
Beneficiaries admitted 3364864
Hospital Empanelled-16051
E card issued-89400515
Covers 1350 medical
packages including
major surgeries, free
drug, free diagnostics
All pre-existing disease
covered
Cashless benefit from
public/ private empanelled
hospitals across the country
No cap on family
size or age
5 lakh cash assistance /
family/ year for
Secondary and tertiary care

10. Benefit schemes for girls
(Ministry of Women and
Child Development)
Source: http://wcdhry.gov.in/balika_samridhi_yojana.htm]
Beti bachao beti padao
CBSC Uddan Scheme
Sukanya Samriddhi Yojana
National Scheme for incentives
to girls for secondary education
State Specific schemes
• Ladli
• Ladli Lakshmi
• Kanyashree

11. • From 1997
• Ministry of Women and Child Development
• To change negative family attitude to girl child
• Post birth grant
• Annual scholarship for each successful year
of schooling
• June 15
• Ministry of women and Child Development
• Investment policy
• Highest interest rate
Balika Samriddhi Yojana
Sukanya Samriddhi Yojana
CBSC Uddan Scheme
• Under Ministry of Human Resource and Development
• Free online course material for class 11th and 12th
standard girls
• Available for economically backward section of society

12. National Scheme for
incentives to girls for
secondary education
Beti bachao beti padao
• Launched in 22.1.2015
• Tri-ministerial effort of Ministries of Women and
Child Development, Health & Family Welfare and
Human Resource Development
• To generate awareness and improve the efficiency of
welfare services intended for girl child
• Benefit of girls belonging to the backward classes of
India
• Rs 3000 deposited as fixed deposit in the name of
eligible girl
• Can be withdrawn after class 10

13. Kishori Shakti Yojana
SABLA
Rastriya Kishore Swasthya
Karyakram
Benefit scheme for
adolescents
Integrated child
Development Scheme
Mid day meal scheme
Rastriya Bal
Swasthya Karyakram
Benefit schemes for
children

14. Benefit schemes for children
Rastriya Bal
Swastha Karyakram
Integrated child development
scheme
• Facility based screening of children
upto 18 years
• Birth defect, deficiencies, diseases,
developmental delay,disabilities
• Free treatment
• Under Ministry of Women and child
development
• Supplementary nutrition
• Pre school education
• Nutrition and health education
• Immunization
• Health check up
• Referral
• Under Ministry of Human Resource
Development
• First launched in 1925
• Cooked mid day meal provided in
working days
• To improve nutritional status of school
children
• To improve school attendance

15. Scheme for adolescents
Rastriya Kishore
Swastha Karyakram
SABLA
Kishori Shakti Yojana
• Aug 2007
• Ministry of Women and
Child Development
• Target girls of 11-18 years
• Literacy
• Vocational skills
• Nov 2010
• Earlier: Rajiv Gandhi
Scheme for Empowerment
of Developing Girls
• Nurition
• Education
• National Skill Development
Programme
• Ministry of Health and Family Welfare
• Nov 2014
• Coverage
• Content
• Communities
• Communications
• Counselling
• Clinics
• Convergence

16. Financial benefit schemes
for mother and child care
Janani
Suraksha
Yojana
Pradhan Mantri
surakshit
Matritva Abhiyan
Janani sishu
Suraksha
karyakram
Pradhan Mantri
Matru Vandana
Yojana

17. Janani Suraksha Yojana
[Source: https://www.nhp.gov.in/janani-suraksha-yojana-jsy-_pg]
Cash assistance for ASHA worker also
Goal: To reduce MMR and NMR by promoting
institutional delivery among poor pregnant women.
Cash assistance for pregnant women for institutional delivery and post delivery care
100% centrally sponsored safe motherhood intervention
Launched in April 12, 2005-NRHM

18. Pradhan Mantri Matru Vandana Yojana
Previously named as
Indira Gandhi Matritva
Sahajog Abhijan
• A
Conditional cash transfer scheme for pregnant and lactating womenpregat and lactating
women
Ministry of Woman and
Child Development
Implemented from 1.1.17
Rs 5000

19. Janani Sishu Suraksha Karyakram
Ministry of Health and Family Welfare – 1.6.2011
Motivation for institutional delivery
• Free drugs and consumable
• Free diagnostics
• Free blood
• Free diet
• Free transportation (Referral)
Completely free and cashless services to pregnant women
including normal deliveries and caesarean operations
Mother (For 3 days in NVD)
( 7 days in LUCS)
Sick Newborn and sick infant

20. • Ministry of Health & Family Welfare (MoHFW)- Aug 2016
Pradhan Mantri Surakshit Matritva Abhiyaan
Fixed day ANC service at designated
places -9th of every month
Focus on detection
of high risk cases
ANC check up by OBG specialist
Focus on dropped
out cases
Special birth preparedness
and complication readiness for
pregnancy with co morbidities
• Ensure at least one antenatal checkup for all pregnant women
in their 2nd/3rd trimester by an OBGY specialist/physician.

21. Family planning
• Under Ministry of Health of Health and Family Welfare-1981
• To compensate acceptors of sterilization for wage loss
• Ranges from Rs 1000-3000 for vasectomy & Rs 600-1400
for tubectomy
[Source: https://www.nhp.gov.in/national-programme-for-family-planning_pg]
• Under Ministry of Health and Family Welfare- 10.11.16
• To improve contraception and family planning services in seven high focus states.
• (Uttar Pradesh, Bihar,Rajasthan, Madhya Pradesh,Chhattisgarh, Jharkhand, Assam)
Mission Parivar Vikaas

22. Benefit for elders
Integrated
Programme for
senior citizens
Pradhan
Mantri Vayo
Vandana
Yojana
Varistha
pension Bima
Yojana
National
Programme for
healthcare of
Elderly
Rastriya
Vayoshri
Yojana
Atal Pension
Yojana
Old age Pension Schemes

23. Rastriya Vayoshri Yojana: • BPL categories
• Age related disabilities
• Physical aids and assisted living device
Integrated programme for senior citizens:
• Ministry of social Justice and Empowerment
• April 2018
• Senior Citizen homes
• Regular medical care
National program for healthcare of elderly:
• Community based primary care
• National centres for aging
• Geriatric services at PHC/CHC level and bed in Dist hospitals

24. National Social
Assistance Programme
Indira Gandhi
National Old Age
Pension Scheme
(IGNOAPS)
Annapurna
Scheme
Indira Gandhi
National Widow
Pension Scheme
(IGNWPS),
Indira Gandhi
National Disability
Pension Scheme
(IGNDPS)
Ministry of Rural Development
From 15th August,1995
Total beneficiaries: 37139701
National Family
Benefit Scheme
(NFBS)
• Non-Contributory pension
• 60 years or more
• BPL household
• No financial support
Providing food grains to
those who are eligible but
not included in IGNOAPS
From BPL families
Disability >40%
• Financial help to BPL
families
• Death of only earning
member
Financial assistance
to widows

25. Schemes for disabled
National Fund for
Pwds
Deendayal Disabled
Rehabilitation Scheme
Assistance to disabled
persons for purchasing
appliances
Financial support for
skill training of Pwds
Scholarship for students
with disability
District disability
rehabilitation centre

26. Deendayal Disabled Rehabilitation Scheme
• Creating enabling environment
• Encouraging voluntary action
Objective
Components:
Early Intervention and Training
Special Schools for Persons with Disabilities for
• Mental Retardation
• Hearing & Speech Impaired
• Visually Challenged
Cerebral Palsied Children
Rehabilitation of Leprosy Cured Person
Low Vision Centres

27. Schemes for disabled:
National Fund for Pwds One time cash assistance to persons with benchmark
disabilities who have excelled in sports/fine arts.
Assistance to disabled persons for purchasing appliances
• Financial support for contemporary aids and assisted device
• Limit Rs 10000/- to Rs 20000/- for each disabilities
National Action Plan for Skill Training of PwDs :
• Training need assessment
• Vocational training
• Employer connection unit

28. Employment related
financial benefit scheme
Deen Dayal Antodaya
Yojana
MGNREGA
Pradhan Mantri Shram
Yogi Man Dhon
Rajiv Gandhi Shramik
Kalyan Yojana
Swachhata Uddyami
Yojana

29. Pradhan Mantri Shram Yogi Maan-dhan (PMSYM)
Under Ministry of Labour and Employment- Feb ‘13
• Pension scheme for unorganised workers
[Source:https://labour.gov.in/sites/default/files/PMSYM.pdf]
After death,spouse will
receive 50% of the pension
Voluntary &
contributory pension
scheme on 50:50 basis
Minimum assured
pension of Rs 3000/- per
month after 60 years
Domestic workers, rickshaw
pullers, landless laborers,
construction workers,
beedi workers, and whose
monthly income < Rs 15,000/

30. Mahatma Gandhi National Rural Employment Guarantee Act", (MGNREGA)
[Source: https://www.nrega.nic.in/netnrega/home.aspx]

31. Deen Dayal Antyodaya Yojana (DAY)
Source: https://www.india.gov.in/spotlight/deen-dayal-antyodaya-yojana
Ministry of Housing and Urban Poverty
Alleviation- June 2011
To uplift urban poor by enhancing sustainable
livelihood opportunities through skill development
Employment through Skill Training
An expenditure of Rs.15,000 per
person on training of urban poor
Subsidy to urban poor - Interest subsidy of
5% - 7% for setting up individual micro-
enterprises with a loan of up to 2 lakh
Social Mobilization - Formation of
Self-Help Groups (SHG) for training,
initial support of 10, 000 is given.
Shelters for urban homeless -
Cost of construction of
shelters for urban homeless

32. • Ministry of State for Social Justice & Empowerment -2.10.14
• Self Employment scheme for rehabilitation of manual scavengers
[http://164.100.24.220/loksabhaquestions/annex/171/AU4977.pdf]
One time cash assistance of 40,000 to identified manual scavengers
Skill development training to manual scavengers with stipend 3000 pm
Loans upto 15 lakh for undertaking alternate self employment project
Swachhta Udyami Yojana (SUY)
Rajiv Gandhi Shramik Kalyan Yojana
For insured Persons who are rendered jobless due to closure of factory or permanent
disablement (40% ) arising out of non-employment injury.

33. For Sanitation and housing
Swachh Bharat Mission
• To eliminate open defaecation
• Incentive of Rs 12000 for construction of
one unit of household latrine
• For BPL and selected APL families
• Shared by Centre and State by 60:40
basis
“Housing for All by 2022” Mission
• Under Pradhan Mantri Awas Yojana-
June 2015
• Slum rehabilitation of Slum Dwellers
• Central grant of Rs. one lakh per house,
on an average, will be available under
the slum rehabilitation programme.

34. Financial benefit schemes for treatment purpose
Nikshay
Poshan
Yojana
Health
Minister’s
discretionary
grant
Rastriya
Arogya
Nidhi

36. • Incentive to Private practitioners for notifying a TB case and treatment completion
• Transportation charge Rs 750 to patients from tribal/hilly/ difficult area
RNTCP:
[Source:https://tbcindia.gov.in/index1.php?lang=1&level=1&sublinkid=52
75&lid=3385]

37. Rastriya Arogya Nidhi(RAN)
Rashtriya Arogya
Nidhi
Health Minister's
cancer Patient Fund
Financial assistance scheme
for poor patients suffering
from rare diseases
Under Ministry of Health and Family Welfare
Launched in 17th Oct 1996
• Financial assistance to BPL patients
living below threshold poverty line
• Suffering from life threatening diseases
• For treatment at Government hospitals
Financial assistance to BPL cancer patients
Financial assistance to BPL patients
suffering from specified rare diseases for
treatment at Government hospitals

38. HEALTH MINISTER’S DISCRETIONARY GRANT (HMDG)
• Only those having annual family income up to Rs.1,25,000/- and below are eligible
for financial assistance. https://mohfw.gov.in/major-programmes/poor-patients-
financial-assistance/health-ministers-discretionary-grant-hmdg
Not available in-
• Reimbursement of expenditure already incurred
• Prolonged treatment involving recurring expenditure
• Not for diseases of common nature
• Not for T.B. cases for which free treatment is available
•
Financial Assistance up to a maximum of Rs. 1,25,000/-
For life threatening diseases covered under RAN where free medical facilities are not
available

39. • Ministry of Financial Services-Feb 2015
• Risk coverage under this scheme is for Rs. 2 lakh in case of death
of the insured, due to any reason.
• The premium is Rs. 330 per annum which is to be auto-debited
[Source: http://pib.nic.in/newsite/PrintRelease.aspx?relid=186422]
• Implemented from 01.04.2013, under Ministry of Health and Family Welfare
• States/UTs will pay claims to acceptors of sterilization in the event of death/
failures / complications / Indemnity cover to doctors/ health facilities.

40. Thank you