Deen Dayal Swasthya Seva Yojana
Every individual has the inherent right to access quality healthcare. Acknowledging this, several initiatives have been introduced by the Government of India to guarantee affordable and accessible healthcare for all. The Deen Dayal Swasthya Seva Yojana (DDSSY) is a complete health insurance plan designed to offer monetary safeguard to the inhabitants of Goa, and it is an example of such a program. Furthermore, it offers them medical aid. This article will explore the different facets of Deen Dayal Swasthya Seva Yojana, comprising its goals, extent, notable characteristics, advantages, qualifiers, and registration procedure.
What is Deen Dayal Swasthya Seva Yojana?
On the 30th of May, 2016, Goa government launched DDSSY scheme, a health insurance plan sponsored by the state referred to as Deen Dayal Swasthya Seva Yojana. The objective is to offer medical treatment without the need for cash to Goa's inhabitants. An eminent political thinker and philosopher, Pandit Deendayal Upadhyay lends his name to the scheme. His life was devoted to improving the conditions of the disadvantaged. DDSSY scheme's objective is to offer cost-effective and superior healthcare facilities to every individual living in Goa, irrespective of their socio-economic status.
Goals and Objectives
The Deen Dayal Swasthya Seva Yojana has the following primary goals:
- Universal Health Coverage - DDSSY's goal is to attain universal health coverage by guaranteeing that all inhabitants of Goa can avail of fundamental healthcare amenities.
- Financial Protection - The objective of the program is to shield people and households from the monetary strain of healthcare costs by granting them access to cashless treatment and reimbursement amenities.
- Offer Quality Healthcare - DDSSY scheme aims to enhance the provision of healthcare services of superior quality by enrolling a group of hospitals, nursing homes, and medical experts who comply with the necessary criteria. Our goal is to guarantee that our recipients obtain top-notch medical attention.
What is Included and to What Extent?
A vast array of medical services are encompassed under the Deen Dayal Swasthya Seva Yojana. These include:
- The plan includes coverage for hospitalisation costs, such as room fees, nursing bills, and medication expenses, up to INR 2.5 lakhs per family for a family of 3 or below and 4 lakhs for a family with more than 3 members per year. The insurance provider specifies the terms and conditions that are applicable to the coverage.
- Under the DDSSY scheme, all costs linked to surgical procedures, encompassing care prior to and after the operation, are included. The plan includes particular daycare treatments, where hospitalisation for patients lasts for less than a day, or 24 hours.
- The scheme covers the expenses for several diagnostic tests, including X-rays, ultrasound scans, blood tests and others.
- During treatment, the DDSSY scheme will cover the expenses of both prescribed medications and necessary implants.
Features of Deen Dayal Swasthya Seva Yojana
The following are some of the main features of the Deen Dayal Swasthya Seva Yojana scheme:
- Beneficiaries under the DDSSY scheme are eligible to receive treatment without cash at any hospital or nursing home that is empanelled. By removing the requirement for initial payments, healthcare becomes more reachable.
- The Health Provider Empanelment scheme has a wide range of healthcare facilities which includes medical practitioners, nursing homes, and hospitals across Goa that are enlisted on its network. The treatment can be availed by the beneficiaries at any facility that is empanelled.
- DDSSY scheme offers portability. Beneficiaries have the option to receive treatment from any healthcare provider that is empanelled, not limited to Goa but also in other states of India.
- The plan offers a vast array of healthcare services which include doctor visits, medical tests, operations, and costs related to being hospitalized.
- DDSSY enrollment has no age restrictions. The benefits are available to even the elderly population through this measure.
Benefits of Deen Dayal Swasthya Seva Yojana
There are multiple advantages that the beneficiaries of Deen Dayal Swasthya Seva Yojana can avail:
- Individuals and families are granted financial protection through the scheme, which protects them from the weight of steep medical expenses.
- Access to Quality Healthcare. By enlisting renowned hospitals and healthcare providers, DDSSY guarantees that its beneficiaries can avail of high-quality healthcare services.
- The scheme substantially decreases the expenses paid by beneficiaries from their own pockets through the provision of cashless treatment and reimbursement facilities.
- DDSSY offers the portability feature, enabling beneficiaries to receive treatment beyond the boundaries of Goa state. This provides flexibility and convenience.
DDSSY Eligibility Criteria
In order to qualify for the Deen Dayal Swasthya Seva Yojana, certain conditions must be met by the individual. The following are the DDSSY eligibility criteria conditions:
- To apply, the person must possess valid proof of residency in Goa for 5 years or more.
- Employees of the Central/State Government and their families who get government medical benefits are not eligible for the DDSSY.
How To Get Yourself Registered?
Enrolling in the Deen Dayal Swasthya Seva Yojana is a straightforward and easy process for users. The process is outlined by the subsequent steps:
- Log in after creating an account at goaonline.gov.in
- Provide information about the qualified person or family head.
- Include the family member's information.
- The document that would be required are listed below. All of the documents that are attached should be self-attested:
- Include details for residence proof. Please take note that your application will not be evaluated unless you include proof of residency dating back at least five years.
- An Aadhaar card must be attached for each member. If an Aadhaar card is not readily available please attach a birth certificate in the case of a minor.
- Submit caste and income information if you need to receive a registration fee discount.
- Registration Costs:
- For families with three or fewer members, Rs. 200.
- For families with four or more members, Rs. 300 and,
- A 50% concession will be considered for OBCs of non-creamy layer, SC/STs, and eligible people with disabilities, subject to the provision of the necessary documentation.
- Pay applicable Fees by selecting ‘Continue to Pay’.
- For tracking purposes, write down the Acknowledgement number after making a payment.
- The DDSSY e-card will only be made available for download after the relevant office has verified and approved your application.
- Please remember to pick up your DDSSY card from the office you picked during application input within 30 days of receiving approval.
- The registered Mobile Number will get communications.
In a Nutshell
A crucial stride towards attaining comprehensive healthcare coverage is made through the Deen Dayal Swasthya Seva Yojana. The residents of Goa are also offered financial protection through it. DDSSY makes sure that everyone can access quality healthcare services by providing extensive coverage, cashless treatment options, and a network of partnered healthcare providers. The socio-economic background of an individual does not hold importance. Not only does this scheme alleviate the monetary strain on individuals and families, but it also encourages a more robust community. The Deen Dayal Swasthya Seva Yojana sets an example for other states in India to adopt due to its affordable healthcare and comprehensive approach. A robust healthcare system is exemplified exceptionally well by this.