About BSBY

What is Bhamashah Swasthya Bima Yojana in IInd Phase ?

It is a scheme to provide cashless facility to the IPD patients.

For the identified families covered under National Food Security Act (NFSA) . 

By the Government (Medical and Health Department)

Through an Insurance Company “New India Assurance Company”

On a fixed premium per family per year on floater basis


Aims of the Scheme

To Hedge Govt. moneys

To provide quality health care that avoids large out of pocket expenditure

To provide financial security against illness

To Improve health status of the State.

To create a data base which could be used to make policy level changes in Healthcare.

To bring a revolution in healthcare in rural area – by providing stimulus to Private Sector to open hospitals in rural areas and reducing the increasing burden on Government facilities .


Salient features of the scheme

Cashless for beneficiary

Only for IPD procedures.

1401 disease packages are covered under the scheme which includes 738 packages for Secondary illness, 663 for Tertiary illnesses. 

46 disease packages are reserved for Govt. Institutions.

14 disease Packages are reserved for Private Hospitals.

For the families covered under NFSA.

To be coupled with Bhamashah Scheme.

Treatment through Govt. and accredited private hospitals.

Coverage of Rs. 30,000 for general illnesses and Rs. 3 lakh for serious ailments.

Provision for fund enhancement. 

MNDY ,MNJY  and MMBPLJRK to continue as usual.

—Beneficiaries will be covered for secondary and tertiary illness according to the pre decided package rates.

—Pre-existing conditions or diseases will be covered from beginning of the scheme.

—Transportation allowance of INR 100 in cash to be given during discharge of the beneficiary with an annual ceiling of INR 500 and shall be a given only for Cardiac & Polytrauma cases.

—Transportation allowance is included in the package cost.

—Pre hospitalization of 7 days and post hospitalization of 10 days to be covered under the scheme.