Ayushman Bharat PM-JAY Chhattisgarh

How PM-JAY works in Chhattisgarh

Ayushman Bharat PM-JAY operates in Chhattisgarh under the local name Shaheed Veer Narayan Singh Ayushman Swasthya Yojana (SVNSASY), which was originally launched on January 1, 2020, as the Dr Khoobchand Baghel Swasthya Sahayata Yojana (DKBSSY). In Chhattisgarh, it is directly administered by the State Health Agency (SHA) of Chhattisgarh.

The agency empanels the hospitals, fixes the rate of treatment packages, and authorises claims through an online portal.

To simplify the process, the SHA Chhattisgarh directly links the eligibility to the state ration cards. Additionally, they post the Ayushman Mitras in empanelled hospitals to assist the beneficiaries in making their e-cards for cashless admission into the hospitals.

Key Highlights: PM-JAY Chhattisgarh

Who is Eligible for PM-JAY Chhattisgarh

• Antyodaya Ration Card Holders: People having priority (PHH) or Antyodaya Anna Yojana (AAY) ration card .
• General Category Card Holders: Non-Priority / Above Poverty Line (APL) families having a general ration card in Chhattisgarh (entitled for a maximum cover of ₹50,000).
• Senior Citizens (Above 70 years of age): All Senior Citizens aged 70 years or more enrolled in the Ayushman Vaya Vandana Scheme (entitled for a ₹5 lakh cover irrespective of their income levels).
• SECC & RSBY Households: Family enlisted in the Socio Economic and Caste census (SECC 2011) or families already covered under Rashtriya Swasthya Bima Yojana.
• Particularly Vulnerable Tribal Groups (PVTGs): Vulnerable indigenous tribals covered in special welfare drives at the state and central level (including PM-JANMAN).

Benefits and Coverage Under PM-JAY Chhattisgarh

• Priority & Antyodaya Families (BPL): Cashless cover up to ₹5,00,000 per family per annum on a family-floater basis.
• General Category Families (APL): Cashless cover up to ₹50,000 per family per annum
• Mukhyamantri Vishesh Swasthya Sahayata Yojana: Enhanced cover up to ₹20,00,000 for selected rare/critical diseases requiring special referrals.
• Comprehensive Hospitalization Cover: 100% Cashless Medical Treatment:Covering secondary and tertiary care hospitalisation, daycare surgeries and critical treatments with near 1,900+ predefined package treatments.
• In-Hospital Expenses: Covering bed charges, nursing charges, ICU/OT charges, surgeons' fees, consumables, diagnostic tests, implants and patient food services.
• No Pre-existing Disease Exclusions: All pre-existing medical conditions are covered from day one without waiting periods.
• No Cap on Family Size or Age: Covers all family members equally without restrictions on household size, age, or gender

Documents Required to Apply for PM-JAY Chhattisgarh

1. Basic / Core Documents:

   • Ration Card: Important for the purpose of proving eligibility of family members, i.e. Priority/Antyodaya/General
   • Aadhaar Card: Important for doing E-KYC verification for individuals.

2. Supporting Documents

   • Photo Identification: Voter Id Card, Driving License, Passport, Government Photo Id
   • Address and Status Proofs: Domicile Certificate, Caste Certificate (SC/ST)
   • Relation and Banking Proof: Marriage Certificate (for inclusion of spouse in state ration card), Mobile Number, Bank Account Details / Passbook

How to Apply for PM-JAY Chhattisgarh Step by Step

1. Offline Application via Hospital / CSC (Standard Process)

   Step 1: Visit an Empanelled Facility

   Go to any empanelled government hospital, private empanelled hospital, or a Common Service Centre (CSC) in Chhattisgarh.

   Step 2: Contact the Ayushman Mitra

   Locate the Ayushman Mitra desk (Kiosk) at the hospital or speak with the operator at the CSC.

   Step 3: Submit Documents

   Provide your original Ration Card (Priority, Antyodaya, or General) along with an official photo ID (Aadhaar Card, Voter ID, or Driving License) of all family members to be registered.

   Step 4: Biometric & Identity Verification

   The Ayushman Mitra will then check your details on the official state portal and will verify your identity using Aadhaar e-KYC (biometric fingerprint/iris scan or OTP).

   Step 5: Download Ayushman Card

   Once verified, your digital e-card will be generated and approved. You can get a printed copy directly from the kiosk to avail instant cashless treatment.

   Step 6: Link or Create ABHA Health ID (Optional)

   After downloading your Ayushman Card, visit abha.abdm.gov.in or the ABHA App. Linking your ABHA Card with your PMJAY beneficiary profile ensures that all diagnostic tests and hospital discharge summaries under the scheme are saved digitally to your personal health record.

2. Online Self-Registration (via NHA Beneficiary Portal)

   Step 1: Access the Portal

   Visit the official National Health Authority Beneficiary Portal at cghealth.nic.in 

   Step 2: Log In through Beneficiary Option

   Select the Beneficiary option, enter your registered mobile number, and log in using the OTP sent to your phone.

   Step 3: Search Using Chhattisgarh State Criteria 

   Select your state (Chhattisgarh), scheme name (PMJAY / SVNSASY), district, and search by Family ID / Ration Card Number or Aadhaar Number.

   Step 4: Complete e-KYC

   Locate your family details from the search results and click on Action / e-KYC. Authenticate using Aadhaar OTP or facial recognition.

   Step 5: Download State-Approved Ayushman Card 

   Once the e-KYC status shows as Approved, click the download button to save or print your Ayushman Card.

Helpline and Support

Other Government Schemes

• Nirmaan Shramik Mrtyu Evan Divyaang Sahaayata Yojana, Chhattisgarh (for disabled): Astate welfare scheme of Chhattisgarh which aims to protect registered construction workers.
• PM-JAY Ayushman Bharat: Health insurance scheme, which offers up to ₹5 lakh per family per year in cashless secondary and tertiary coverage.
• Central Government Health Scheme: A central government health scheme which aims to deliver comprehensive medical care to government retirees and their dependent family members.
• Pradhan Mantri Suraksha Bima Yojana (PMSBY): A central accident insurance scheme which offers accidental coverage up to ₹2 lakh.