Biju Swasthya Kalyan Yojana Scheme: Benefits & Coverage
Updated: 28-01-2025 at 7:05 AM
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Biju Swasthya Kalyan Yojana or BSKY Nabin Odisha gov is a health insurance scheme launched in 2018 by the Odisha state government to provide health insurance to Odisha people mainly from the poorer section of the society. Under this government scheme, the public /claiming families are allowed to avail of cashless treatments under both public and private empanelled hospitals.
Overview
The below-mentioned table showcases the key highlights of the Biju Swasthya Kalyan Yojana or BSKY dashboard:-
| Feature | Details |
|---|---|
| Launch Year | 2018 |
| Coverage Amount | ₹5 lakh per family, ₹10 lakh for women members |
| Eligible Beneficiaries | Families with NFSA, SFSS, or BSKY health cards |
| Types of Treatment | Cashless treatment for hospitalization, surgery, etc. |
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What Is Biju Swasthya Kalyan Yojana?
The BSKY full form Biju Swasthya Kalyan Yojana is an insurance scheme which aims to protect people from illnesses. It makes self-funded treatment of the beneficiary families having the eligibility in selected empanelled hospitals in Odisha as well as outside the state.
Components Of BSKY
BSKY components comprise two major points. Yearly health insurance and cashless treatment. These are available at government hospital-owned or private empanelled hospitals.
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Annual Health Coverage: ₹5 lahks per family and an additional ₹5 lakh for women.
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Cashless Treatment: Pays for the registration, consultation, tests, hospitalisation and follow-ups.
Benefits
BSKY provides several benefits to help address the difficulty experienced by societies in receiving excellent healthcare at an affordable price.
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Cashless treatment at the empanelled hospitals.
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Insurance up to a maximum of ₹10 lakh for women.
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Minor ailments and surgeries – Free of cost of treatment in government hospitals.
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Ambulatory services, diagnostic services, drugs/medicines, and operation theatre charges
Coverage Under BSKY
BSKY offers extensive coverage for most of the medical treatment, and surgeries as well as offering coverage for hospital services.
| Coverage Type | Description |
|---|---|
| Health Insurance Coverage | This is up to Rs 50000 per family where women are allowed up to Rs 1lakh; the ceiling is up to 5 lakh for a family and 10 lakh for women. |
| Treatment Packages | It provides information on 4050 medical treatments and 255 surgeries. |
Eligibility Criteria
The eligibility criteria for the Biju Swasthya Kalyan Yojana (BSKY) are primarily determined by the type of government welfare cards held by families. Families that possess specific government-issued welfare cards, such as Biju Krushak Kalyan Yojana (BKKY) cards or National Food Security Act (NFSA) cards, are considered eligible for the scheme
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Households with members in possession of an NFSA or SFSS card.
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The beneficiaries of the government’s BSKY Smart Health Cards.
Application Procedure
There is no need to make an online application in BSKY. The cards include the NFSA or the SFSS cards whereby families will be enrolled automatically.
Step 1: Health Cards: The BSKY Smart Health Card is given automatically to families.
Step 2: Collection of Cards: They can also get their cards from Mo Seva Kendras provided full biometrics or having NFSA or SFSS cards.
Read More: Gambhir Bimari Sahayata Yojana For Construction Workers In Uttar Pradesh
Documents Required
Documents needed to avail of cashless treatment or benefits are as follows:
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NFSA/ SFSS/ BSKY Health Card
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Valid identity proof
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Medical papers concerning the treatment
What Is A BSKY Card?
A BSKY Smart Health Card is issued to all the identified families under the BSKY scheme. It has eligibility proof and it is used to avail a cashless treatment in the empanelled hospitals.
Claim Settlement Procedure
Hassle-free and within a specific period claim settlement policies are made and executed. Claims must be submitted within seven days of the discharge of the patient and must be documented through the BSKY app.
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Submission Time: They must be submitted within 7 days from discharge if they are to stand a chance of being paid.
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Payment Timeline: The transactions take place electronically within four weeks.
Documents Required For Claim Settlement
Some documents are required to settle claims relating to BSKY login.
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BSKY Health Card
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Claim form
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Proof of identity
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Healthcare costs and documentation
BSKY Mobile Application
The BSKY Odisha app is for download on Google Play; Families bearing the BSKY Health Card get the comfort of availing services of ’direct cashless treatments’ in any empanelled private hospital extending to Odisha or other states. Via this app, the state government sponsors the medical costs for treatment and cheque-ups of BSKY cardholder families, so that families can receive the necessary medical service without being charged a single penny.
Conclusion
The Biju Swasthya Kalyan Yojana is an important health policy that has made a big difference in Odisha. Thanks to its provisions regulating payless treatment and a wide scope of services, BSKY status also guarantees patients access to health care to the most marginal segments of the population.
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