NewZNew (Chandigarh) : While revealing details about the performance under Rashtriya Swasthya Bima Yojna in Punjab state, Sh.Surjit Kumar Jyani, Health and Family Welfare Minister, Punjab here today clarified that there was a problem in the early years but the scheme is doing reasonably well now in the State of Punjab. Scheme is under implementation from the last six years. So far, 7 companies have been involved out of which 4 are public sector companies and 3 are private companies. Allotment is made in favour of bidder quoting the least premium. He further added that the amount of premium being paid to Insurance Company is continuously coming down. The premium has come down from Rs.670/- into Rs.238/- per family per annum. He stated that overall for all the years together, the State has paid Rs. 43.46 Crores as a permium or Rs.37.54 Crores as effective premium (This means the premium paid to the Insurance Co. less the cost of the smart card i.e. Rs.60/-), against which the claims are to the tune Rs.23.57 Crores and claims ratio is 62.80%.
Sh Jyani clarified that fewer claims were lodged in the initial years due to poor awareness regarding the scheme. He told that at present the claim ratio has increased to 106.47%. During the FY 2013-14, we have paid Rs.3.46 Crores effective premium to the company against which the claims are to the tune of Rs. 3.68 Crores. He further told that the State has taken various initiative for popularizing this scheme through press and electronic media and that as a result of these measures the BPL families enrolled under the scheme will benefit further.