Question

Difficulty: HardState Government Schemes and Welfare Policies

With reference to the 'Mukhyamantri Chiranjeevi Swasthya Bima Yojana' launched by the Government of Rajasthan, which of the following statements regarding its features and eligibility criteria are correct?

  1. It provides cashless health insurance coverage up to ₹25 lakh per family per year for secondary and tertiary healthcare.Answer
  2. The health insurance premium is 100% subsidized by the state government for NFSA beneficiaries, SECC families, and small/marginal farmers.Answer
  3. C
    Empanelled private medical institutions are strictly excluded from the scheme, restricting cashless treatment exclusively to government hospitals.
  4. It covers medical expenses incurred during the 5 days prior to hospital admission and 15 days following hospital discharge.Answer

Answer

The correct statements are those stating that the scheme provides ₹25 lakh annual health cover per family, fully subsidizes premiums for NFSA/SECC families and small farmers, and covers pre-hospitalisation (5 days) and post-hospitalisation (15 days) expenses.
The correct statements accurately reflect the core parameters of the Mukhyamantri Chiranjeevi Swasthya Bima Yojana: an enhanced annual cover of ₹25 lakh per family, complete premium waiver for priority socio-economic groups, and coverage for 5 days of pre-hospitalisation and 15 days of post-hospitalisation expenses.

Step-by-Step Solution

1
Evaluate financial coverage limit and hospital empanelment scope
The scheme offers ₹25 lakh annual cashless coverage per family across both public hospitals and empanelled private healthcare providers.
Determine the financial ceiling and institutional network defined under the scheme guidelines.
2
Examine beneficiary classification and premium subsidy provisions
NFSA cardholders, SECC 2011 list families, small/marginal farmers, and contract workers get 100% premium subsidy, while other families can join by paying a nominal 50% subsidized premium.
Verify target beneficiary groups eligible for free state coverage.
3
Analyze pre- and post-hospitalisation package coverage windows
Expenses for medical tests and medicines for 5 days prior to admission and 15 days after discharge are covered under package rates.
Confirm procedural timeline rules for pre- and post-hospitalisation care.

Key Concept

Key provisions, coverage limits, and eligibility criteria of state health insurance schemes.
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