What 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.

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.

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.

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.

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.

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.

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.

What is meant by dependents?

Dependents can be children, parents or any other family member who is in the BPL list.

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.

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,

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.

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

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

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

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

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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