Biju Swasthya Kalyan Yojana (BSKY Odisha): Features, Coverage, and Application Procedure

The Government of Odisha launched the Biju Swasthya Kalyan Yojana (BSKY), a comprehensive health program, to provide cashless medical care to the state’s citizens. Introduced in 2018, this scheme ensures that all residents of Odisha can access essential medical treatment without financial concerns.

Overview of the Biju Swasthya Kalyan Yojana (BSKY)

• Date of Announcement: June 12, 2018
• Launch Date: August 15, 2018
• Launched By: Odisha Chief Minister Naveen Patnaik
• Supervising Authority: Government of Odisha
• Official Website: BSKY Odisha

What is the Biju Swasthya Kalyan Yojana?

The Biju Swasthya Kalyan Yojana (BSKY) was introduced to help Odisha’s residents cover their medical expenses. The scheme provides a broad range of healthcare services, from basic treatments to complex procedures, ensuring that no one is denied treatment due to financial constraints.

Objectives of Biju Swasthya Kalyan Yojana

The primary goal of BSKY is to provide cashless treatment to Odisha residents, focusing on economically disadvantaged individuals. It aims to ensure access to quality healthcare while reducing the financial burden on families.

Eligibility Criteria for BSKY

To benefit from BSKY, residents must meet specific eligibility requirements:

Who Qualifies for BSKY?

• Odisha Residents: The applicant must be a permanent resident of Odisha.
• Families Below & Above Poverty Line (BPL & APL): BSKY is available to both BPL and APL families in Odisha.
• No Age Restrictions: The scheme is accessible to individuals of all age groups.
• Valid Identification: A PAN card, voter ID, or Aadhaar card is required to obtain the BSKY health card.

How to Apply for BSKY?

Currently, BSKY does not offer an online registration option. Eligible families automatically receive BSKY health cards through government-initiated distribution under the National Food Security Act (NFSA) and the State Food Security Scheme (SFSS).

Required Documents for BSKY

To avail of BSKY benefits, applicants need the following documents:

• Identity Proof: Aadhaar card, voter ID, or PAN card
• Residence Proof: Aadhaar card, voter ID, or utility bill (electricity/water)
• Income Proof: Income certificate or BPL card
• Photographs: Recent passport-size photographs

Benefits of Biju Swasthya Kalyan Yojana

BSKY offers several advantages to make healthcare more affordable and accessible for Odisha residents:

• Cashless Treatment: Beneficiaries receive medical treatment without paying out-of-pocket expenses at network hospitals.
• Extensive Coverage: Covers a variety of medical treatments, including consultations, surgeries, hospitalization, and diagnostic tests.
• High Financial Assistance: Families can avail coverage up to Rs. 5 lakh per year, while female beneficiaries receive up to Rs. 10 lakh annually.
• No Room Rent Cap: Patients can choose hospital rooms based on availability and comfort.

Medical Treatments Covered Under BSKY

BSKY provides comprehensive health coverage, including:

• Hospitalization Expenses: Covers hospital stays, nursing charges, and doctor’s fees.
• Surgical Treatments: Supports both minor and major surgeries, depending on severity.
• Maternity and Newborn Care: Covers hospitalization and surgeries related to maternity care.
• Critical Illness Coverage: Covers severe diseases such as cancer, kidney failure, heart attacks, and strokes.
• Pre and Post-Hospitalization Costs: Includes follow-up treatments, medicines, and diagnostic tests.
• Emergency Ambulance Services: Covers transportation costs to and from hospitals.
• Organ Transplants: Includes kidney and liver transplant procedures.
• AYUSH Treatments: Covers alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

How to Claim BSKY Benefits?

Understanding the claims process ensures beneficiaries make the most of BSKY:

1. Document Submission: Required documents, including the BSKY card, claim form, and medical records, must be submitted within seven days of hospital discharge.
2. Electronic Payment: Claims are processed through the Public Financial Management System (PFMS) within four weeks.
3. Multiple Procedures: If multiple surgeries are performed in the same session, the primary procedure is covered at 100% of the package rate, while subsequent procedures are reimbursed at lower rates.
4. Verification Process: If any documents are missing, the hospital is given seven days to upload them for claim approval.

Conclusion

The Biju Swasthya Kalyan Yojana (BSKY) is a revolutionary initiative by the Odisha government, ensuring that residents receive cashless healthcare services. Understanding the eligibility criteria, registration process, and benefits of BSKY can help individuals and families access necessary medical care without financial stress. To check eligibility and learn more about BSKY, visit the official website.