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Active Smart Cards

 


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Scheme
Enrollment Process
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More Questions
What is the enrollment process?
What is the purpose of smart card?
When will the smart card be given to the beneficiary after the enrollment?
Why is there a photograph on smart card?
Why is the photograph of all family members taken when there is photograph of only head of household on the card?
How does the Government ensure that the correct beneficiary is getting the Smart card?
Who are these FKOs?
Can the enrollment be done if FKOs are not present at the enrollment station?
Whom do they need to pay Rs. 30 and when?
Why should beneficiary pay Rs. 30 if the Government is paying the premium?
Will the beneficiary get Rs. 30 back at the end of the year if he/she does not use services during the year?
Will Rs. 30/- need to be paid again at the time of renewal of the policy by the beneficiary?
How many persons can be enrolled in one family?
What is meant by dependents?
In case of children, till what age can they be insured?
What happens if there are more than three children?
Is there any age limit in RSBY?
What happens if there are less than five persons in the immediate family? Can extended family be insured?
What if the beneficiary has more than one wife who will be enrolled?
How many dependents can be enrolled if one of the spouse is no more?
Can only five children be enrolled without enrolling head of household?
What happens if there are complaints regarding the BPL list?
What happens if there is some problem with the name or other details of the members in BPL List?
What happens if the head of the household is travelling to a different district? Who will keep the card?
How is the splitting amount decided?
How many splits are allowed of one card?
Who will do the splitting and is there any charge for that?
What happens if the beneficiary loses the smart card or it gets damaged?
Is there any charge for providing this service?
Can the members who are enrolled be changed midway during the year?
In the absence of the head of the family on account of death and there are more than five members deemed to have been in the family, who will decide about those to be enrolled?
If other family members are not present at the time of enrollment, will the card be issued?
What happens if a family is not present in the village at the time of enrollment
What happens if the beneficiary loses the smart card?
Will the beneficiary have to pay for the reissuance of smart card in case they lose the first one.
 
What is the enrollment process?
An electronic list of eligible BPL households is provided to the insurer, using a pre-specified data format. An enrollment schedule for each village along with dates is prepared by the insurance company with the help of the district level officials. As per the schedule, the BPL list is posted in each village at enrollment station and prominent places prior to the enrollment and the date and location of the enrolment in the village is publicized in advance. Mobile enrollment stations are set up at local centers (e.g., public schools) in each village. These stations are equipped by the insurer with the hardware required to collect biometric information (fingerprints) and photographs of the members of the household covered and a printer to print smart cards with a photo. The smart card, along with an information pamphlet, describing the scheme and the list of hospitals, is provided on the spot once the beneficiary has paid the 30 rupee fee and the concerned Government Officer has authenticated the smart card. The process normally takes less than ten minutes. The cards shall be handed over in a plastic cover.
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What is the purpose of smart card?
Smart card is used for a variety of activities like identification of the beneficiary through photograph and fingerprints, information regarding the patient. The most important function of the smart card is that it enables cashless transactions at the empanelled hospital and portability of benefits across the country.
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When will the smart card be given to the beneficiary after the enrollment?
The authenticated smart card shall be handed over to the beneficiary at the enrollment station itself.
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Why is there a photograph on smart card?
The photograph of the head of the family on the smart card can be used for identification purpose in case biometric information fails.
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Why is the photograph of all family members taken when there is photograph of only head of household on the card?
Although on the card the head of the family photograph is printed, the photograph of all family members is stored in the chip so that in case of need it can be used for verification.
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How does the Government ensure that the correct beneficiary is getting the Smart card?
Each enrolment team in the villages is accompanied by a Field Key Officer (FKO) who identifies the beneficiaries at the time of enrollment. FKO is also provided with a smart card and his job is to identify the beneficiary and authenticate their smart card by his FKO card and finger print. Without FKO’s authentication the smart card with the beneficiary will not work. The detail of each family which is authenticated by the FKO also gets copied in the FKO card and insurance company is paid based on the number of beneficiaries obtained from the FKO card.
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Who are these FKOs?
FKOs are representative of the Government. They can be different entities in different districts. For example Health Workers, Gram Vikas Adhikaris Patwaris, etc. have been given the role of FKO by different State Governments.
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Can the enrollment be done if FKOs are not present at the enrollment station?
No. RSBY mandates the presence of FKOs at the enrollment station for the enrollment process.
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Whom do they need to pay Rs. 30 and when?
They need to pay at the time of enrollment to the representative of the insurer.
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Why should beneficiary pay Rs. 30 if the Government is paying the premium?
This Rs. 30 is only registration fee and Government is paying the premium. This amount is used by Nodal agency to take care of administrative expenses.
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Will the beneficiary get Rs. 30 back at the end of the year if he/she does not use services during the year?
No money is returned at the end of the year even if services are not availed.
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Will Rs. 30/- need to be paid again at the time of renewal of the policy by the beneficiary?
Yes. Rs. 30/- is the yearly registration fee which the beneficiary will have to pay each time the policy is renewed.
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How many persons can be enrolled in one family?
Upto maximum of five members of a family can be enrolled. Husband, spouse and three dependents can be enrolled.
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What is meant by dependents?
Dependents can be children, parents or any other family member who is in the BPL list.
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In case of children, till what age can they be insured?
Any child who is listed as dependent in the BPL list can be enrolled.
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What happens if there are more than three children?
If the family has more than three children, the head of the household will have to decide which three children should be insured,
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Is there any age limit in RSBY?
There is no age limit in RSBY and anybody can be enrolled if they are in the BPL list.
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What happens if there are less than five persons in the immediate family? Can extended family be insured?
No, if there are less than five persons in the family, including dependents, only those persons will be insured. Extended family cannot be insured. However, if they are listed in the BPL list they can be enrolled
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What if the beneficiary has more than one wife who will be enrolled?
All the wives can be enrolled if they are in the BPL list
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How many dependents can be enrolled if one of the spouse is no more?
In cases where one of the spouse has died four dependants can be enrolled
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Can only five children be enrolled without enrolling head of household?
The head of the household and the spouse need to be insured and then only dependents can be added
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What happens if there are complaints regarding the BPL list?
The enrollment team will take the complaint regarding the BPL list in a prescribed format provided by Government of India and submit to the concerned authorities at the district level. However, Insurance company cannot change the BPL list at the time of enrollment.
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What happens if there is some problem with the name or other details of the members in BPL List?
The enrollment team is allowed to do some modifications in the existing list with respect to the dependents. Name, Age and Gender of the dependents can be revised in the BPL list if requested by the head of the household. However, the relationship code with the head of the household cannot be changed.
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What happens if the head of the household is travelling to a different district? Who will keep the card?
If one person from the household is travelling to another district, the beneficiary can get a split card at the time of enrolment or from the district kiosk, for use at different places. However, the total balance amount will also be split in both the cards. The family can retain one card and the other one can be carried by the member who is travelling.
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How is the splitting amount decided?
The amount will be decided by the beneficiary family and he can suggest this at the time of card splitting
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How many splits are allowed of one card?
A card can be split in two parts only. A beneficiary can get only one additional card.
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Who will do the splitting and is there any charge for that?
Splitting will be done by authorized person who is issuing the cards. At a later date splitting can also be done at the district kiosk. The additional cost for the splitting card would be decided by the State Government and has to be borne by the beneficiary.
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What happens if the beneficiary loses the smart card or it gets damaged?
In cases of both lost card and damaged card, beneficiary can go to the district kiosk and get a new smart card issued.
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Is there any charge for providing this service?
The beneficiary will need to pay a small amount (to be fixed by the respective State Governments) at the district kiosk to get this service.
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Can the members who are enrolled be changed midway during the year?
In case of death of an existing member on the card, another member provided his/her name is there in the data base can be enrolled in his/her place.
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In the absence of the head of the family on account of death and there are more than five members deemed to have been in the family, who will decide about those to be enrolled?
In the BPL list whoever is the second person will be considered the head of family and his decision will be final.
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If other family members are not present at the time of enrollment, will the card be issued?
If the listed head of the family is absent, the name at number two can be treated as head of the family and, being treated as head of the family, his/ her photo will be printed on the card. However, if both are absent, the card cannot be issued. But, if one of them is present the card can be issued even if some other listed members are absent. The details of other members can be added subsequently at the district kiosk.
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What happens if a family is not present in the village at the time of enrollment?
The beneficiary along with other members can visit district kiosk and get a new smart card issued.
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What happens if the beneficiary loses the smart card?
If a smart card is lost, beneficiary can approach the district kiosk of Insurance company to get a new smart card.
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Will the beneficiary have to pay for the reissuance of smart card in case they lose the first one?
If a new second smart card is issued in case of loss, beneficiary will have to pay a fee, fixed by State Government to get the second card.
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