 bill no 165 of  2014 the health insurance scheme  bill,  2014 by shri mk raghavan, mp a billto provide for a comprehensive health insurance scheme for all citizens of the country and for matters connected therewithbe it enacted by parliament in the sixty-fifth year of the republic of india as follows:—1  (1) this act may be called the health insurance scheme act, 2014(2) it extends to the whole of indiashort title, extent and commencement(3) it shall come into force on such date as the central government may, by notification in the official gazette, appoint5definitions2  in this act, unless the context otherwise requires,—(a) "appropriate government" means in case of a state, the government of that state and in all other cases, the central government;(b) "beneficiary" means every citizen who has been issued health insurance card under section 4;(c) "person living below poverty line" includes a person whose income from all sources does not exceed rupees ten thousands per month;(d) "prescribed" means prescribed by rules made under the act; and (e) "scheme" means health insurance scheme framed under this act5 3 the central government shall formulate and implement a comprehensive health insurance scheme for all citizensformulation and implementation of comprehensive health insurance scheme4 (1) the central government shall designate an agency for issuing health insurance cards to all the citizens(2) every citizen shall be issued a health insurance card by the designated agencyhealth insurance cardto be issued toall the citizens10(3) the card issued under sub-section (1) shall contain such particulars of the beneficiary as may be prescribedpremium for health insurance5 every beneficiary, other than persons living below poverty line, shall be required topay such amount of premium towards health insurance as may be determined by the central government from time to time15provision of free health facilities6 (1) every beneficiary shall be entitled to health facilities free of cost from allhospitals, including privately owned hospitals as may be specified by the appropriate government from time to time(2) the free health facilities shall include:—(i) consultation; (ii) outpatient treatment;20(iii) diagnostic and laboratory services; (iv) indoor treatment; and (v) medicines25(3) no beneficiary shall be charged any amount for any health facility mentioned in sub-section (2) availed of by him in any hospital including privately owned hospitals specified under sub-section (1) by the appropriate government(4) if any beneficiary intends to avail extra facilities at hospital which are not covered under sub-section (2), he shall be required to pay for availing of such facilities307 (1) the central government shall enter into an agreement with all nationalizedinsurance companies for implementation of the provisions of this actagreement with nationalized insurance companies and private hospitals(2) the nationalized insurance companies shall enter into agreement with privately owned hospitals to provide health services to the beneficiaries covered under the health insurance scheme35(3) the nationalized insurance companies shall make payment to privately owned hospitals for providing health services to the beneficiaries covered under health insurance scheme at such rates as may be agreed upon by both the partiesrelease of funds408 the central government shall, by due appropriation made by parliament by law inthis behalf, provide in each financial year such sums of money to the state governments and nationalized insurance companies as it thinks necessary for implementation of the provisions of this actsurrender of health card9 if any beneficiary intends to surrender his health insurance card issued undersection 4, he shall inform in writing to such authority as may be designated for the purpose by the appropriate governmentinspection of hospitals10 (1) any nationalized insurance company which has entered into an agreement with private hospital under section 7, may either itself or through an agency designated in that behalf inspect privately owned hospitals from time to time to ensure that provisions of this act are complied with5(2) if any private hospital does not comply with the provisions of this act, the hospitalshall be liable to pay such compensation as may be prescribed in the agreement under section 7power to make rules11 (1) the central government may, by notification in the official gazette, make rules for carrying out the purposes of this act1015(2) every rule under this act shall be laid, as soon as may be after it is made, beforeeach house of parliament, while it is in session, for a total period of thirty days which may be comprised in one session or in two or more successive sessions, and if, before the expiry of the session immediately following the session or the successive sessions aforesaid, both houses agree in making any modification in the rule or both the houses agree that the rule should be made, the rule shall thereafter have effect only in such modified form or be of no effect, as the case may be; so, however, that any such modification or annulment shall be without prejudice to the validity of anything previously done under that rule statement of objects and reasonsproper healthcare facilities at reasonable cost is not available to the majority of citizens in our country poor people are not in a position to afford hefty cost of treatment particularly at private hospitals with scarce resources, the state governments are also not able to provide healthcare facilities free of cost or at reasonable cost to all the citizens the cost of medical treatment including medicines is not within the reach of common man for treatment of critical illness, a lot of money is required poor people are left to die for want of money to meet their medical expenditure every year therefore, it is proposed to provide free healthcare facilities for all diseases to all citizens since government hospitals are not adequately equipped to provide healthcare facilities to all the citizens, private hospitals are also proposed to be roped in to provide healthcare facilities to themcitizens who opt to meet the expenditure of medical treatment from their own resources may be excluded from the purview of the act, if they make such a request to the designated agency of appropriate government under this actthe bill seeks to achieve the above objectivesnew delhi;m k raghavannovember 12, 2014 financial memorandumclause 3 provides for formulation and implementation of a comprehensive health insurance scheme by the central government clause 4 provides for health insurance card to be issued to all the citizens clause 6 provides for certain health facilities free of cost clause 8 provides for supply of funds to the state governments and nationalised insurance companies by the central government the bill, therefore if enacted, would involve expenditure from the consolidated fund of india it is estimated that an annual recurring expenditure to the tune of rupees fifty thousand crore is likely to be involveda non-recurring expenditure of about rupees fifty thousand crore is also likely to be involved memorandum  regarding  delegated  legislationclause 11 of the bill empowers the central government to make rules for carrying out the purposes of this bill as the rules will relate to matters of detail only, the delegation of legislative power is of a normal character————— a billto provide for a comprehensive health insurance scheme for all citizens of the country and for matters connected therewith—————(shri mk raghavan, mp)gmgipmrnd—2761ls(s3)—03-12-2014