This business model design is conducive both in terms of expansion of the scheme as well as for its long run sustainability. The scheme has been designed as a business model for a social sector scheme with incentives built for each stakeholder.RSBY provides the participating BPL household with freedom of choice between public and private hospitals and makes him a potential client worth attracting on account of the significant revenues that hospitals stand to earn through the scheme.The RSBY scheme, however, differs from these schemes in several important ways. The RSBY scheme is not the first attempt to provide health insurance to low income workers by the Government in India. The cards shall be handed over in a plastic cover. The process normally takes less than ten minutes. 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. 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. Mobile enrollment stations are set up at local centres (e.g., public schools) in each village. 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. An enrollment schedule for each village along with dates is prepared by the insurance company with the help of the district level officials.
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