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RAS question

ASSERTION (A): The Mukhyamantri Chiranjeevi Swasthya Bima Yojana (MCSBY), launched in Rajasthan in May 2021, provides cashless treatment for both government and private empanelled hospitals. REASON (R): The scheme was introduced because Rajasthan lacked any form of publicly-funded health insurance before 2021, making it the first health protection scheme in the state. Select the correct answer using the codes given below:

Correct answer: (C) A is true, but R is false.

Mukhyamantri Chiranjeevi Swasthya Bima Yojana is a Rajasthan cashless health-insurance scheme for empanelled hospitals, but it was not the state’s first publicly funded health protection scheme.

  1. (A)

    Both A and R are true, and R is the correct explanation of A

  2. (B)

    Both A and R are true, but R is NOT the correct explanation of A

  3. (C)

    A is true, but R is false

  4. (D)

    A is false, but R is true

Explanation

Assertion A is true because Rajasthan launched Mukhyamantri Chiranjeevi Swasthya Bima Yojana from 1 May 2021, and the official Economic Review says cashless IPD treatment is provided at empanelled hospitals, with both private and government empanelled hospitals serving under the scheme. It also records its family coverage and beneficiary categories. Reason R is false because the same official source refers to an earlier phase of Ayushman Bharat-Mahatma Gandhi Rajasthan Swasthaya Bima Yojana, covering NFSA and SECC-2011 households identified under PM-JAY for free health insurance from 30 January 2021. Earlier Bhamashah Swasthya Bima Yojana coverage also existed. So MCSBY expanded and universalised coverage; it did not create Rajasthan’s first public health-insurance protection.

Why the other options are wrong

  • (A) It treats R as true, but Rajasthan already had publicly funded health-insurance coverage before MCSBY, including PM-JAY-linked coverage and the earlier Bhamashah scheme.
  • (B) It correctly separates assertion and reason, but still assumes R is true; pre-2021 public health-insurance coverage existed.
  • (D) It reverses the facts: A is supported by the scheme’s cashless empanelled-hospital design, while R is false because MCSBY was not Rajasthan’s first health protection scheme.

Concept

This tests Rajasthan welfare schemes under state economy and social-sector policy. RAS often asks assertion-reason questions that mix a true scheme feature with an overclaimed historical first, so chronology matters.

Source

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