In a significant decision made during the recent assembly session on February 20th, Bihar Chief Minister Nitish Kumar chaired a state cabinet meeting where he unveiled the Bihar Swasthya Bima Yojana. This ambitious initiative is designed to provide health insurance coverage of up to Rs 5 lakh to approximately 58 lakh families across Bihar.
Objective and Scope of Bihar Swasthya Bima Yojana :
The primary objective of the Bihar Swasthya Bima Yojana is to address the healthcare disparity by offering financial protection to those who are not covered by the central government’s Ayushman Bharat scheme. Under this program, all holders of ration cards in the state will have access to free treatment, ensuring that financial constraints do not hinder their access to essential medical care. This initiative is expected to significantly reduce mortality rates associated with untreated illnesses, especially among economically vulnerable families.
Key Features of Bihar Swasthya Bima Yojana:
- Coverage: The scheme provides free treatment of up to Rs 5 lakh annually to each family holding a ration card.
- Cashless Facility: Patients can avail themselves of cashless treatment in selected hospitals designated under the scheme, similar to the structure of the central government’s Ayushman Bharat Scheme.
- Comprehensive Benefits: The scheme covers pre-admission check-ups, treatment expenses during hospitalization, as well as post-discharge medications and follow-ups.
- Inclusive Access: Citizens from all socio-economic backgrounds and caste groups within Bihar are eligible to benefit from this scheme.
Eligibility Criteria for Bihar Swasthya Bima Yojana :
- Applicants must be residents of Bihar.
- Eligibility extends to economically disadvantaged families, particularly those covered under the National Food Security Act.
- Families previously excluded from the Ayushman Bharat scheme can now apply for coverage under this state initiative.
Application Process of Bihar Swasthya Bima Yojana :
Interested individuals can easily apply for the Bihar Swasthya Bima Yojana through the official website of the Health Department, Bihar Government. Here’s a step-by-step guide:
- Visit the official website: Health Department, Bihar Government
- Navigate to the “Apply” section.
- Select the preferred hospital for treatment.
- Complete the application form with the required information.
- Upload necessary documents, including Aadhar card, ration card, address proof, income certificate, bank account details, and passport-sized photo.
- Submit the application and keep the acknowledgment for future reference.
With the implementation of the Bihar Swasthya Bima Yojana, the state government aims to ease the burden of healthcare expenses on economically weaker families, ensuring fair access to quality medical services. This initiative marks a significant step towards building a healthier and more resilient Bihar.
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Bihar Swasthya Bima Yojana FAQs:
What is Bihar Swasthya Bima Yojana?
Bihar Swasthya Bima Yojana is a health insurance scheme introduced by the Bihar Chief Minister Nitish Kumar during the recent assembly session. It aims to provide health insurance coverage of up to Rs 5 lakh to around 58 lakh families in Bihar.
What is the main objective of Bihar Swasthya Bima Yojana?
The primary objective is to address healthcare disparities by offering financial protection to those not covered by the central government's Ayushman Bharat scheme. It ensures that all ration card holders in the state have access to free treatment, reducing mortality rates associated with untreated illnesses.
What are the key features of Bihar Swasthya Bima Yojana?
Coverage of up to Rs 5 lakh annually per family. Cashless treatment in selected hospitals. Comprehensive benefits including pre-admission check-ups, hospitalization expenses, and post-discharge follow-ups. Inclusive access for citizens from all socio-economic backgrounds and caste groups.
Who is eligible for Bihar Swasthya Bima Yojana?
Eligibility extends to residents of Bihar, particularly economically disadvantaged families covered under the National Food Security Act. Families previously excluded from the Ayushman Bharat scheme can also apply.
How can individuals apply for Bihar Swasthya Bima Yojana?
Is the application process for Bihar Swasthya Bima Yojana online?
Yes, the application process is entirely online through the official website of the Health Department, Bihar Government.
What documents are required for applying to Bihar Swasthya Bima Yojana?
Required documents include Aadhar card, ration card, address proof, income certificate, bank account details, and a passport-sized photo.
Is there any fee for applying to Bihar Swasthya Bima Yojana?
No, there is no fee for applying. The application process is free of charge.
Can families already covered under the Ayushman Bharat scheme apply for Bihar Swasthya Bima Yojana?
Yes, families previously excluded from the Ayushman Bharat scheme can apply for coverage under Bihar Swasthya Bima Yojana.
What is the goal of implementing Bihar Swasthya Bima Yojana?
The goal is to alleviate the burden of healthcare expenses on economically weaker families, ensuring equitable access to quality medical services and building a healthier Bihar.
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