Mukhyamantri Gambhir Bimari Upchar Yojana - Jharkhand

Why was Mukhyamantri Gambhir Bimari Upchar Yojana Introduced ?

Prior to Mukhyamantri Gambhir Bimari Upchar Yojana, the low- and middle-income families in Jharkhand faced severe financial distress due to high out-of-pocket costs for critical treatments like cancer care, organ transplants, and major surgeries. This put a heavy financial burden on the beneficiary; as a result, many families were forced to take on debt or delay the treatment.

To address this gap, the scheme was introduced to provide financial assistance for critical medical conditions and help eligible beneficiaries access timely treatment. This initiative ensures that eligible beneficiaries receive vital financial support to access timely, specialised care without facing severe financial distress.

Key Highlights : Mukhyamantri Gambhir Bimari Upchar Yojana

Who is Eligible to Apply for Mukhyamantri Gambhir Bimari Upchar Yojana

• Jharkhand Resident: The applicant must be a resident of Jharkhand.
• Income Limit: the applicant's gross annual income must be below ₹8 lakh for three consecutive years (not applicable for acid attack victims).
• Covered Diseases: the applicant must suffer from one of the specified illnesses:
  • All types of cancer.
  • Kidney transplant.
  • Severe liver diseases.

What Mukhyamantri Gambhir Bimari Upchar Yojana Covers

• Financial Assistance Ceiling: Up to ₹10 lakh for critical illness treatments (increased from the original base limit of ₹5 lakh).
• Covered Health Conditions & Illnesses: provides critical medical coverage for high-cost treatments, including all types of cancer, kidney transplants, and severe liver diseases.
• Medical Grant: Up to ₹10 lakh in financial support expanded from the original ₹5 lakh limit for life-threatening conditions such as Cancer, Kidney Transplants, and Serious Liver Diseases.
• Acid Attack Expenses: Covers 100% of treatment expenses (including bed, medicines, food, surgery, and reconstructive surgeries) reimbursed directly by the Civil Surgeon.

What Mukhyamantri Gambhir Bimari Upchar Yojana does not Cover

• High-Income Families: Persons or families where the annual gross income has been more than ₹8 lakh for 3 consecutive years (this limit doesn't include acid attack victims).
• Non-Residents: Persons who do not have permanent residence in Jharkhand.
• Other Diseases: Any illness or surgery which is not on the given list.
• Overlapping Health Scheme Aid: Applicants already receiving financial assistance or treatment aid for the same medical condition

Documents Required to Apply for Mukhyamantri Gambhir Bimari Upchar Yojana

The list of documents needed to be submitted along with the Mukhyamantri Gambhir Bimari Upchar Yojana (Jharkhand Government) application form is as follows:

• Application Form: Prescribed application form duly filled and signed (Available at the Civil Surgeon's office).
• Passport Size Photo: Two recent passport-size photographs of the patient.
• Income Certificate: Issued by the Circle Officer (Anchal Adhikari / CO) certifying that the total income of the family per year is less than ₹8 Lakh (not applicable on Acid Victims) for the last three consecutive years.
• Hospital Estimate: Detailed Estimate for treatment cost of the disease prepared directly from the concerned empanelled hospital and CGHS rate sheets, if any.
• Medical Records: Report of the disease with a medical test report or certificate from the doctor proving the critical illness (Cancer, Kidney Transplant, Serious Liver Diseases, etc.).
• Identity Proof & Local Address Proof: Aadhaar Card, Voter ID or Proof of Jharkhand residence.
• Bank Passbook: Copy of the patient's Bank Passbook.

How to Apply for Mukhyamantri Gambhir Bimari Upchar Yojana

Application for Mukhyamantri Gambhir Bimari Upchar Yojana (Jharkhand) is carried out using an offline method through the District Health Committee.

Step 1: Get Application Form

• Visit the office of the District Civil Surgeon of your respective district during working hours and collect the prescribed application form for the Mukhyamantri Gambhir Bimari Upchar Yojana (non-acid attack cases).

Step 2: Get Hospital Estimate & CGHS Rates

• Go to the treating hospital and ask the doctor to give you the estimated amount of treatment cost (it should be a Government Medical College/Hospital, Central Medical Institute or an empanelled private/government hospital).
• Also, ensure that the hospital gives you a copy of the CGHS rates of that city.

Step 3: Fill the Application Form and Attach Necessary Documents

• Fill in all necessary information (Patient Name, Address, Disease, Hospital Name, Estimated Amount) and attach self-attested copies of the necessary documents.

Step 4: Submit Application to District Health Committee

• Submit the filled application form along with supporting documents to the Civil Surgeon's Office of your respective district.
• Take a receipt of the submission of your application with the date and time of submission.

Step 5: District Health Committee Verification and Approval

• The District Level Health Committee (consisting of Civil Surgeons) verifies the applications every Monday (or else the following working day if Monday is a holiday).
• In case of approval, the District Level Health Committee provides the patient with an approval letter on the very same day.The letter is communicated to the hospital where treatment is to be done via Fax or Email on the same day.

Step 6: Treatment and Funding Process

• The patient has to take up his/her treatment at the specified hospital within one month after the date of approval. Only then will the funds be released.

Approval and Disbursement System

In order to simplify the process of sanctioning funds depending upon the budget of treatment, the disbursement system works in the following hierarchy:

• Below ₹5 lakh: Examined and sanctioned at the district level by the District Level Health Committee (DLHC), presided by the Civil Surgeon.
• Between ₹5 lakh to ₹10 lakh: Examined and approved at the state level by the State Level Health Committee (SLHC) (Department of Health, Medical Education and Family Welfare).
• Above ₹10 lakh: Sanctioned specially by the State Cabinet/Council of Ministers.

Other Government Health Schemes

• Mukhyamantri Swasthya Suraksha Yojana (MASSY): Introduced to include those families that are outside the purview of Ayushman Bharat. This scheme offers coverage of up to ₹15 Lakh per year for secondary and tertiary hospitalisation of ration card holders.
• Employees' State Insurance Scheme (ESIS): Comprehensive insurance coverage and healthcare services for formal workers earning up to Rs. 21,000 per month.
• Ayushman Bharat (PMJAY): The largest Government-sponsored health insurance scheme in the world, offering up to Rs. 5 Lakh per family per year for hospitalisation under secondary and tertiary care services.

Other Government Schemes of Jharkhand

• Chikitsa Pratipoorti Yojana: State-sponsored scheme that offers health insurance coverage for registered unorganised Construction Workers.
• Mukhyamantri Abua Swasthya Suraksha Yojana is implemented to complement existing health coverage by offering extended health coverage of up to ₹15 lakh for low-income vulnerable families for high-cost treatment.
• Ayushman Bharat - Mukhyamantri Jan Arogya Yojana (AB-MMJAY): is a state version of the Ayushman Bharat Scheme in Jharkhand. It offers a cashless coverage up to ₹5 lakh per family annually for secondary and tertiary hospitalisation.
• State Employees Health Insurance Scheme (SEHIS): the state Health Insurance scheme which offers cashless treatment for Jharkhand government employees, pensioners, and their dependents.