RECENT EFFORTS AT ENHANCING SOCIAL SECURITY FOR UNORGANIZED WORKERS IN INDIA

WORKFORCE IN INDIA 2 In Millions Organised 26.3 (6%) Unorganised 433 (94%)

OUT OF POCKET (OOP) EXPENSES AND INDEBTEDNESS IN INDIA (Amount in $US) ALL INDIAPOOREST 1.Average OOP Payments made per hospitalization in Govt. facilities Average OOP Payments made per hospitalization in private facilities %age of people indebted due to OP Care %age of people indebted due to IP Care 5264 SOURCE: NSSO, GOI 3

MAJOR INITIATIVES Employment Security through National Rural Employment Guarantee (NREGA) Health Security through Rashtriya Swasthya Bima Yojana (RSBY) 4

NATIONAL RURAL EMPLOYMENT GUARANTEE ACT (NREGA) 5

NREGA: Objectives Primary Supplement employment opportunities Auxiliary Regenerate natural resource base for sustainable rural livelihoods  Water conservation & water harvesting  Drought Proofing (afforestation & tree plantation)  Irrigation canals, micro & minor irrigation works  Works on individual land of SC/ST/BPL/IAY/ Land reform beneficiaries/ Small & Marginal farmers  Renovation of traditional water bodies  Land development  Flood control & protection, drainage  Rural connectivity Process Outcomes Strengthen grass root processes of democracy Infuse transparency and accountability in governance

Progress under NREGA Employment provided to Households (in Millions) Expenditure (in Billion US $)

NREGA: Positive Trends Increase in Agriculture Minimum Wages and wage earned per day and annual income. Bargaining power of labour has increased. Distress migration has reduced in many parts. Financial inclusion on an unprecedented scale : 69 Million Bank & Post Office accounts opened. “Green Jobs” created as 70% works relate to water conservation, water-harvesting, restoration, renovation and desilting of water bodies, drought-proofing, plantation & afforestation Productivity effects of NREGA reported - Improvement in ground water - Improved agricultural productivity & cropping intensity - Livelihood diversification in rural areas

RASHTRIYA SWASTHYA BIMA YOJANA (RSBY) 9

RASHTRIYA SWASTHYA BIMA YOJANA The Scheme Total sum Insured of Rs 30,000 (U.S.$ 660) per BPL family (a unit of five) on a family floater basis Pre-existing diseases to be covered Coverage of health services related to hospitalization and certain procedures which can be provided on a day-care basis 10

RASHTRIYA SWASTHYA BIMA YOJANA Benefits Cashless coverage for hospitalization. Provision of Smart Card. Provision of pre and post hospitalization expenses. Transport Rs.100 (U.S.$ 2.2) per visit up to a ceiling of Rs. 1000(U.S.$ 22) as part of the benefits. 11

FUNDING Contribution by GOI : 75% of the estimated annual premium. Contribution by the State Governments: 25% of the annual premium. Beneficiary to pay Rs. 30 (U.S.$ 0.65) per annum as Registration Fee. Administrative cost to be borne by the State Government. Cost of Smart Card to be borne by the Central Rs.60 (U.S.$ 1.30) per beneficiary 12

SMART CARD 13

ENROLMENT KIT

FIRST RECIPIENT OF SMART CARD Village: Chappar; District: Yamunanagar; State: Haryana 15

WHAT HAS HAPPENED SO FAR? …. since its roll out from Twenty Five States have advertised. Approval has been given to 21 States and 18 of these have started issuing smart cards. Around 5.5 million smart cards, covering around 20 million persons, have already been issued. Around 70,000 persons have availed health care benefits in hospitals. 16

RSBY …………other incidental benefits. Investment in health infrastructure by the private sector and inducing quality improvement in existing infrastructure Disease profiling in each District. Enabling zero-leakage and providing a platform for schemes like PDS. Creating opportunities for future penetration. Improving the BPL data-base 17

FUTURE PROJECTIONS It is proposed to cover all the Below Poverty Line (BPL) families (60million) by the year From , the annual recurring cost would be around Rs Crore (U.S.$ 780 million) There is a likelihood of extending this scheme to other categories of workers. 18

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