Abua Swasth Suraksha Yojana Jharkhand: Free Health Insurance up to ₹5 Lakh

Abua Swasth Suraksha Yojana (ASSY) is a health insurance scheme by the Jharkhand government that provides free medical treatment up to ₹5 lakh per family per year at empanelled hospitals. The scheme extends health coverage to families not covered under Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), ensuring universal health coverage for all residents of Jharkhand.

What is Abua Swasth Suraksha Yojana?

"Abua" means "our own" in the local dialect. This state-funded health insurance scheme complements the central Ayushman Bharat scheme by covering additional families in Jharkhand. Together, the schemes aim to provide cashless treatment to nearly all families in the state at government and empanelled private hospitals.

Key Features

Who is Eligible?

• Must be a permanent resident of Jharkhand
• Families not covered under Ayushman Bharat (AB-PMJAY) or those who need additional coverage
• Must possess a ration card or be identified through state surveys
• All family members as listed in the ration card are covered
• No income ceiling — the scheme aims for universal coverage
• Must have an Aadhaar card for identity verification

Documents Required

• Aadhaar card of all family members
• Ration card of the family
• Residential certificate of Jharkhand
• Passport-size photograph of the head of family
• Mobile number

Step-by-Step Process

How to Get the Health Card

1. Visit the nearest Common Service Centre (CSC) or Jan Seva Kendra
2. Provide your Aadhaar card and ration card
3. Complete biometric verification (fingerprint/iris scan)
4. The operator checks your eligibility on the ASSY portal
5. If eligible, your Abua Swasth Suraksha card is generated
6. Download the e-card or collect the physical card

How to Avail Treatment

1. Visit any empanelled hospital (government or private)
2. Show your Abua Swasth Suraksha card or Aadhaar card at the help desk
3. The hospital verifies your identity through biometric authentication
4. Get cashless treatment — no money needs to be paid
5. The hospital claims the cost from the government directly

Find Empanelled Hospitals

1. Visit arogya.jharkhand.gov.in
2. Click on "Hospital List" or "Find Hospital"
3. Search by district and speciality
4. Check if your preferred hospital is empanelled

Fees

The scheme is completely free for beneficiaries. The state government pays the insurance premium and hospital bills.

What is Covered?

• Hospitalisation expenses (room, ICU, food)
• Surgical procedures (over 1,500 packages)
• Pre-hospitalisation expenses (up to 3 days before admission)
• Post-hospitalisation expenses (up to 15 days after discharge)
• Diagnostics (tests, X-rays, MRI, CT scan during hospitalisation)
• Medicines during treatment
• Follow-up consultations post-discharge

What is NOT Covered?

• OPD (Out-Patient Department) consultations
• Cosmetic surgeries
• Fertility treatments
• Dental treatments (except emergency)

Important Tips

1. Get your health card made early — don't wait until you need hospitalisation
2. Verify empanelment of the hospital before admission — not all private hospitals are covered
3. Carry Aadhaar to the hospital — biometric verification is mandatory
4. No middlemen needed — the scheme is free. Don't pay anyone for card generation
5. Report overcharging — if an empanelled hospital charges you money, report to the district health office

Frequently Asked Questions

Q1: Is this different from Ayushman Bharat?

Yes, Abua Swasth Suraksha is a state scheme that covers families not included in the central Ayushman Bharat scheme. If you already have an Ayushman card, you may still be eligible for ASSY for additional coverage.

Q2: Can I use this in hospitals outside Jharkhand?

The scheme is primarily for empanelled hospitals in Jharkhand. Some empanelled hospitals outside the state may accept it — check the hospital list on the portal.

Q3: Is OPD treatment covered?

No, only inpatient (hospitalisation) treatment is covered. OPD consultations and medicines are not included.

Q4: How many times can I use the card in a year?

You can use it multiple times as long as the total treatment cost does not exceed ₹5 lakh per family per year.

Q5: What if my treatment costs more than ₹5 lakh?

Treatment up to ₹5 lakh is cashless. Any amount beyond that must be borne by the patient.

Q6: Can I choose any hospital?

You can choose any hospital from the empanelled list. Non-empanelled hospitals are not covered.

Q7: What documents do I need at the hospital?

Carry your Aadhaar card and ASSY health card. Biometric verification will be done at the hospital.

Disclaimer: This guide is for informational purposes only. CitizenNest is an independent platform and is not affiliated with the Jharkhand government. Visit arogya.jharkhand.gov.in for official information.

Related: See our Aadhaar Card guide for Aadhaar-related requirements.