Biju Swasthya Kalyan Yojana (BSKY) — How to Apply & Benefits

What is Biju Swasthya Kalyan Yojana (BSKY)?

Biju Swasthya Kalyan Yojana (BSKY) is a comprehensive health assurance scheme launched by the Government of Odisha to provide cashless and paperless healthcare to the people of the state. The scheme covers both government and empanelled private hospitals across Odisha and India.

Under BSKY, eligible families receive a Smart Health Card that entitles them to free treatment with an annual coverage of ₹5 lakh per family and an additional ₹5 lakh for women members (total ₹10 lakh for women). The scheme covers approximately 3.5 crore people across Odisha, making it one of the largest state health assurance programmes in India.

BSKY works alongside the central Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) to ensure comprehensive healthcare coverage.

Key Benefits

Who is Eligible?

Eligible Beneficiaries

• All families included in the State Food Security Scheme (SFSS) list
• All families covered under National Food Security Act (NFSA) in Odisha
• Antyodaya Anna Yojana (AAY) card holders
• Priority Household (PHH) ration card holders
• Families identified through the Socio-Economic Caste Census (SECC) data

Who is NOT Eligible

• Families not included in SFSS/NFSA beneficiary lists
• Government employees covered under CGHS or state health schemes
• Families with annual income above the prescribed limit (non-ration card holders)

Approximately 96 lakh families (about 3.5 crore individuals) in Odisha are covered under BSKY.

Documents Required

For Getting BSKY Smart Health Card

• Ration Card (NFSA/SFSS)
• Aadhaar Card of all family members
• Mobile number (for OTP verification)
• Passport-size photographs of family members

For Availing Treatment

• BSKY Smart Health Card (mandatory)
• Aadhaar Card for identity verification
• Doctor's referral (for some procedures)

How to Get the BSKY Smart Health Card

Online Process

1. Visit the BSKY Portal at bsky.odisha.gov.in
2. Click on "Check Eligibility" or "Search by Ration Card"
3. Enter your Ration Card number to verify eligibility
4. If eligible, you will see your family details
5. Smart Health Cards are issued at designated camps organised by the district administration
6. Cards are also available at government hospitals and Mo Seva Kendras

At Hospitals/Camps

1. Visit the BSKY Mitra counter at any empanelled hospital
2. Carry your Ration Card and Aadhaar Card
3. The BSKY Mitra will check your eligibility in the system
4. Biometric verification (fingerprint) will be done
5. Smart Health Card will be issued on the spot (at designated camps)
6. For treatment, the card is used for cashless claim processing

How to Check BSKY Eligibility Online

1. Go to bsky.odisha.gov.in
2. Click "Am I Eligible?"
3. Enter your Ration Card number or Aadhaar number
4. The system will show whether your family is covered under BSKY

How to Avail Free Treatment

1. Visit any BSKY-empanelled hospital (government or private)
2. Show your BSKY Smart Health Card at the BSKY Mitra desk
3. Complete Aadhaar-based biometric verification
4. The hospital will check your remaining coverage balance
5. Treatment will be provided cashless — no payment required
6. Hospital sends the claim to BSKY for reimbursement
7. You receive ₹500 transport allowance per hospitalization

List of Covered Treatments

BSKY covers 1,900+ medical/surgical packages including:

• Heart surgeries — bypass, valve replacement, angioplasty
• Cancer treatment — chemotherapy, radiation, surgery
• Kidney treatment — dialysis, transplant
• Joint replacement — knee, hip
• Eye surgeries — cataract, retinal procedures
• Maternity care — normal and caesarean delivery
• General surgeries — appendix, hernia, gallbladder
• Neurosurgery — brain and spine procedures
• Burns treatment
• Accident and trauma care

OPD consultations at government hospitals are also covered under BSKY.

Fees

• Smart Health Card — Free of cost
• Treatment — Completely cashless (no out-of-pocket expense)
• Registration — No fee required
• No premium — The state government bears the full cost

Processing Time

• Eligibility check: Instant (online)
• Smart Health Card: Issued at camps/hospitals within same day
• Treatment approval: Immediate for emergency; 24-48 hours for planned procedures
• Transport allowance: Credited after discharge

Important Tips

1. Always carry your BSKY card and Aadhaar when visiting a hospital — biometric verification is mandatory
2. Check hospital empanelment — Not all private hospitals accept BSKY. Check the list on bsky.odisha.gov.in
3. Women get extra coverage — Female members are entitled to ₹10 lakh total (₹5 lakh general + ₹5 lakh additional)
4. No need to pay first — Treatment is fully cashless. If a hospital asks for payment, complain to the BSKY helpline
5. Call the helpline — For queries, call 104 (Odisha Health Helpline) or visit the BSKY portal

Frequently Asked Questions

Q1. What is the BSKY Smart Health Card?

The BSKY Smart Health Card is a health assurance card issued by the Odisha government that provides cashless treatment up to ₹5 lakh per family (₹10 lakh for women) at empanelled hospitals.

Q2. How much coverage does BSKY provide?

₹5 lakh per family per year. Women members get an additional ₹5 lakh, totalling ₹10 lakh in annual coverage.

Q3. Can I use BSKY outside Odisha?

Yes. BSKY can be used at empanelled hospitals across India, not just in Odisha. This is useful for specialized treatments not available locally.

Q4. Is BSKY the same as Ayushman Bharat?

BSKY is Odisha's own health scheme that works alongside Ayushman Bharat (PMJAY). BSKY provides higher coverage (₹5-10 lakh vs ₹5 lakh under PMJAY) and covers more families in Odisha.

Q5. What if a hospital refuses BSKY treatment?

Call the BSKY helpline at 104 or file a complaint on the BSKY portal. Empanelled hospitals are obligated to provide cashless treatment under the scheme.

Q6. Is pre-existing disease covered?

Yes. All pre-existing diseases are covered from Day 1 under BSKY. There is no waiting period.

Q7. How can I find BSKY-empanelled hospitals?

Visit bsky.odisha.gov.in and click on "Hospital List" to find empanelled hospitals by district.

Disclaimer: This guide is for informational purposes only. CitizenNest is an independent platform and is not affiliated with the Government of Odisha. For official details, visit bsky.odisha.gov.in.