What is the Bhamashah Yojana?
The Bhamashah Yojana is an extensive social welfare programme launched by the Government of Rajasthan to offer financial inclusion, women empowerment, and social security benefits to families who are in economically disadvantaged classes. The scheme was planned to be a one-window platform where beneficiaries could get various services offered by the government, such as healthcare, pensions, scholarships and food security benefits.
One of the largest constituents of this initiative is the Bhamashah Swasthya Bima Yojana or the BSBY, which is specifically devoted to the provision of health insurance cover to the families that are eligible. Under this plan, millions of residents in Rajasthan will have access to healthcare, which will be affordable and cashless.
The Bhamashah card is a special family identification card, and it identifies beneficiaries to welfare schemes and also provides transparency and efficiency in service delivery.
Purpose of the Scheme
The Bhamashah Yojana was initiated with several long-term aims, which included:
- Making healthcare services accessible to everyone.
- Women's empowerment through identifying women as heads of households.
- Lessening the financial strain that accompanies a medical crisis.Enhancing clarity in government benefits dispersion.
- Enhancing direct transfer of benefits to bank accounts.
The cost of healthcare tends to drive low-income households into debt. The Bhamashah Swasthya Bima Yojana is a measure that focuses on this issue by providing insurance cover that will not require high out-of-pocket payments.
Introduction to Bhamashah Swasthya Bima Yojana
The BSBY scheme is a government-sponsored health insurance scheme that is designed to meet the secondary and tertiary healthcare needs. It enables the beneficiaries to be treated in empanelled public and private hospitals without an upfront payment.
The plan is very broad and encompasses a wide scope of medical procedures such as surgeries, diagnostics, and emergency treatments. Through the combination of healthcare and digital governance, the scheme will ensure that medical assistance is delivered to those most in need, particularly in rural and semi-urban settings.
Eligibility Criteria for Bhamashah Yojana
Who Can Apply for Bhamashah Yojana
The Bhamashah Yojana is a scheme that is based on government socio-economic databases to determine eligible individuals. Families are automatically eligible when they fulfil certain economic and social criteria.
The primary eligible groups include:
- Families eligible for the National Food Security Act (NFSA).
- Households based on the Socio-Economic Caste Census (SECC).
- Small farmers and landless workers.
- Employees in the informal sector and contractual workers.
The programme is concerned with inclusive development, which emphasises vulnerable groups.
Age and Residency Requirements
To apply for the scheme:
- The family should be a permanent inhabitant of Rajasthan.
- The woman who is leading the family should be at least 18 years old.
- Health coverage has no age restriction.
Residency check-ups are carried out on the basis of government-issued documents like Aadhaar cards, ration cards or voter IDs.
Eligible Family Members
Under the Bhamashah Swasthya Bima Yojana, multiple family members are covered under a single card:
Family Member |
Coverage Status |
Female Head of Household |
Fully Covered |
Husband |
Covered |
Children |
Covered |
Dependent Parents |
Covered if listed |
This family-based approach ensures comprehensive protection against health-related expenses.
Features of Bhamashah Yojana
Benefits of Bhamashah Swasthya Bima Yojana
The BSBY scheme has a number of advantages that contribute to its becoming one of the best public health insurance schemes in Rajasthan.
Key benefits include:
- Treatment in empanelled hospitals in cashless mode.
- No high premiums are needed by beneficiaries.
- Major illnesses and surgeries coverage.
- Technology-driven and paperless claim process.
Such advantages go a long way in alleviating the burden on families in cases of medical emergencies.
Coverage Details
The health insurance cover that is being offered by the Bhhamashah Swasthya Bima Yojana is comprehensive and designed to address various medical requirements.
Coverage Aspect |
Details |
Annual Coverage Limit |
Up to ₹5 lakh per family |
Secondary Care |
Fully Covered |
Tertiary Care |
Fully Covered |
Day Care Procedures |
Included |
Emergency Treatment |
Included |
Hundreds of medical and surgical packages are covered by the scheme, guaranteeing a broad scope of protection.
BSBY Health Benefits
Some of the major health benefits offered under BSBY include:
- Cardiothoracic surgery and orthopaedic surgery.
- Chemotherapy and treatment of cancer.
- Maternity and newborn care
- Dialysis and renal care
- Treatment of trauma and accidents.
The critical illnesses cover will see to it that families are taken care of in a timely manner without any strain on their finances.
Bhamashah Swasthya Bima Card
What is a Swasthya Bima Card?
The Swasthya Bima Card, also known as the Bhamashah card, is a smart card given to the eligible families. It includes biometric and demographic data, which can be used to verify beneficiaries in hospitals.
The card serves as an entry point for healthcare provisions under the Bhamashah Swasthya Bima Yojana, and the benefits are readily identified and accessed.
Benefits of the Bhamashah Card
The Bhamashah card offers multiple advantages:
- Multiple welfare schemes on one card.
- Availability of healthcare services with ease.
- Secure biometric authentication
- Faster hospital admissions
The card will remove the possibility of carrying around numerous documents in case of an emergency.
How to Use the Swasthya Bima Card
Using the card is a simple and efficient process:
- Visit an empanelled hospital
- Present the Bhamashah Swasthya Bima Card
- Complete biometric or Aadhaar-based verification
- Receive cashless treatment
Hospitals coordinate directly with the insurance authorities for claim processing.
How to Apply for the Bhamashah Card
Bhamashah Card Apply Online
The online application process is user-friendly and designed to reduce paperwork.
Steps involved include:
- Registration using an Aadhaar-linked mobile number
- Filling in family and personal details
- Uploading necessary documents
- Submitting the form for verification
Once approved, beneficiaries can download or collect the card.
Documents Required for Online Application
Applicants must keep the following documents ready:
- Aadhaar card of family members
- Ration card
- Proof of residence
- Passport-size photograph
- Bank account details
Correct documentation ensures faster approval and avoids delays.
Bhamashah Card Apply Offline
For applicants without digital access, offline enrollment is also available.
Offline application steps include:
- Visiting authorised enrollment centres
- Submitting a filled application form
- Providing photocopies of documents
- Completing biometric verification
This option ensures that rural and digitally underserved populations are not excluded.
Claim Process Under Bhamashah Swasthya Bima Yojana
Step-by-Step Claim Filing
The claim process under BSBY is largely hospital-driven and cashless for beneficiaries.
Steps include:
- Hospital admission using the Bhamashah card
- Verification of beneficiary details
- Upload of treatment and diagnostic details
- Submission of the claim by the hospital
- Approval and settlement by authorities
Beneficiaries are not required to handle paperwork or follow up on claims.
Required Documents for Claim
Although claims are processed digitally, hospitals may require:
- Bhamashah Swasthya Bima Card
- Aadhaar verification
- Medical reports and prescriptions
- Discharge summary
Maintaining medical records helps ensure smooth claim processing.
Claim Settlement Timeline
The scheme follows a structured timeline:
Claim Stage |
Timeframe |
Claim Submission |
Same day |
Verification |
3–7 working days |
Final Settlement |
Within 15 days |
This timely settlement ensures uninterrupted healthcare services.
Tips to Maximise Benefits of Bhamashah Yojana
Regularly Update Card Information
Updating Bhamashah card details is essential for uninterrupted benefits.
- Update changes in family composition
- Correct spelling or data errors
- Link updated Aadhaar information
Updated records prevent claim rejections and service delays.
Choosing the Right Empanelled Hospital
To make the most of the Bhamashah Swasthya Bima Yojana:
- Verify hospital empanelment status
- Check the availability of required treatments
- Choose hospitals with good service records
The right hospital choice improves treatment quality and experience.
Monitoring Health Insurance Coverage
Beneficiaries should stay informed about:
- Remaining insurance coverage
- Covered and excluded procedures
- Scheme updates and revisions
Being proactive helps families plan healthcare effectively.
Conclusion
The Bhamashah Yojana stands as a transformative initiative that integrates healthcare, financial inclusion, and social welfare. Through the Bhamashah Swasthya Bima Yojana, the government has created a strong safety net for families facing medical uncertainties.
Healthcare costs can be overwhelming, especially for low-income households. The BSBY scheme ensures that families receive quality treatment without worrying about expenses, thus protecting both health and financial stability.
To fully utilise the scheme:
- Keep the Bhamashah card updated
- Use empanelled hospitals only
- Stay informed about scheme benefits
Proper use of the Swasthya Bima Card ensures long-term health security and peace of mind.
FAQs on Bhamashah Swasthya Bima Yojana
Who is eligible to apply for the Bhamashah Yojana?
Families residing in Rajasthan and identified under NFSA or SECC databases are eligible for the Bhamashah Yojana.
What are the benefits of the Bhamashah Swasthya Bima Card?
The card offers cashless healthcare, high insurance coverage, and access to empanelled hospitals under the Bhamashah Swasthya Bima Yojana.
How can I apply for the Bhamashah card online?
Applicants can register using their Aadhaar-linked mobile number, submit required details, and upload documents online.
What documents are required for the Bhamashah card application?
Aadhaar card, ration card, residence proof, photographs, and bank details are required.
How can I claim benefits under Bhamashah Swasthya Bima Yojana?
Claims are processed cashlessly at empanelled hospitals by presenting the Bhamashah card and completing verification under BSBY.
