<h1>Insurance access obligations expand rural and social coverage, mandate public outreach and implement cashless health scheme for BPL families.</h1> Regulatory measures require insurers to annually enrol minimum numbers or percentages of lives and premium from rural and social sectors under obligations regulations; Micro Insurance regulations support insurance for economically vulnerable groups and IRDA conducts industry consultations. Public sector insurers must expand physical outreach to lower tier towns to increase rural awareness and access. The Government scheme Rashtriya Swasthya Bima Yojana (RSBY) provides smart card-based cashless family floater health cover for BPL households in the unorganized sector and has issued millions of smart cards in a phased rollout.