“Rashtriya Swasthya Bima Yojana” launched under Social Security Act 2008 covers:

The correct answer is C) only unorganized sector workers. RSBY was launched in 2008 under the Unorganised Workers' Social Security Act, 2008, the statute the question calls the Social Security Act. Its target group was BPL families, and in practice that meant mainly unorganised sector workers such as construction workers, domestic workers, and daily wage earners.

• A is wrong: Organised sector workers were covered by ESI and the CGHS-type schemes, not RSBY.
• B is wrong: RSBY was not restricted to rural workers. Urban unorganised workers were eligible too, and that was one of its features.
• D is wrong: Coverage was not universal. Eligibility was defined by category and BPL status.

The core concept is the shift from employment-linked insurance to a welfare-linked, family-based health cover for the poor, with a smart-card, cashless model. For Mains, it connects to GS-II on welfare schemes and to the debate on targeting versus universalisation. RSBY has since been subsumed under Ayushman Bharat PM-JAY (2018), so cite it as a historical scheme now.

Trap: Candidates pick B because they associate unorganised workers with rural areas. RSBY covered urban unorganised workers as well.