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implementing various laws. On yearly basis the department carries out various programmes for the Industry and Labour
safety of the workers. During 2014-15 (upto September 2014) 39 priority inspections have been done
for MAH factories, 48 air monitoring studies were completed in hazardous factories, 12 inspections
of hazardous factories by specialist inspectors and 90 medical examinations of factory workers have
been completed. The department has been conducting training programmes not only for factory
workers and employees but also for school children and general public near factory premises.

Rashtriya Swasthya Bima Yojana (RSBY)

3.165 Rashtriya Swasthya Beema Yojana (RSBY) is a Health Insurance Scheme for BPL workers
and their families in the unorganized sector. This was introduced during 2008-2009 in all the 14
districts of Kerala. The annual insurance cover is for a maximum amount of ` 30,000/- for a family
of 5 members including the worker, spouse, children and dependent parents (if included in the BPL
family list). The annual insurance premium is fixed through a tender process. The State Government
provides 25% of the premium (not exceeding `125/-) and administrative cost. The Central Government
provides 75% of the premium (not exceeding ` 613/-) (including cost of smart card) directly to the
implementing agency, CHIAK (Comprehensive Health Insurance Agency, Kerala).During 2014-15
more than 9.7 lakh beneficiaries have been given premium up to 30.09.2014.

Comprehensive Health Insurance Scheme (CHIS)

3.166 Comprehensive Health Insurance Scheme (CHIS) extends to all families other than the BPL
families as per the guidelineswhich was framed by planning commission. The non-RSBY population
is divided into two categories: (a) those belonging to the BPL (poor) list of the State government but
not to the list as defined by the planning commission and (b) APL families that belong neither to the
State government list nor to the list prepared as per the guidelines of planning commission.In the
case of the families of the first category (a), the beneficiaries will have to pay `30/- per annum per
family as beneficiary contribution towards Smart Card. During 2014-15 more than 10 lakh people
benefitted from the schemes CHIS as on 30.09.2014.

Aam Admi Bima Yojana

3.167 Government of India has launched another insurance scheme called Aam Admi Bima Yojana
(AABY) covering 48 categories of households in the country. This has been implemented in the state
since 2007-08. As per the scheme, the head of rural landless families or one earning member in each
such family will be insured. This scheme is implemented through CHIAK. The premium under the
scheme will be ` 200/-. Out of which,50 % shall be subsidy from the fund created for this purpose by
Central Government and remaining 50 % will be contributed by the State Government.More than 6
lakh families benefitted from this scheme.

Employees State Insurance Scheme

3.168 The Employees’ State Insurance Scheme (ESI Scheme) sanctioned under the Employees’
State Insurance Act aims to accomplish the task of protecting ‘employees’ against the hazards of
sickness, maternity, disablement and death due to employment injury and to provide medical care to
insured persons and their families. This scheme covers all employees working in factories running on
non-seasonal power that employ 10 or more persons, and factories not using power that employ 20
or more persons. It also includes those working in shops, hotels, restaurants, cinemas, road motor
transport undertakings and newspaper establishments. Each insured employee and their employer
are required to contribute a certain percentage of their wages to the ESIC every month. These rates
are revised from time to time. The ESI Scheme runs like the most of the social security schemes. It is

Economic Review 2014