Biju Swasthya Kalyan Yojana — Odisha Health Insurance

What is Biju Swasthya Kalyan Yojana (BSKY)?

Biju Swasthya Kalyan Yojana (BSKY) is Odisha government's universal health insurance scheme that provides cashless treatment to all households that hold a state/central government ration card. Key features:

• ₹5 lakh/year per family for all ration card holders
• ₹10 lakh/year for families where the female member is the head

The scheme covers treatment at 200+ government and 900+ empanelled private hospitals across India (not just Odisha).

Key Benefits

Who is Eligible?

All households with a valid ration card under NFSA (National Food Security Act) in Odisha — both SFAS and NFSA cards. This covers:

• Antyodaya Anna Yojana (AAY) card holders
• Priority Household (PHH) card holders
• State Food Security Scheme card holders

No separate income verification required beyond the ration card. If you have a valid Odisha ration card under NFSA, you are eligible.

BSKY Smart Health Card

Every eligible beneficiary receives a BSKY Smart Health Card:

• Contains your photo, name, family details
• Used for cashless hospital admission
• Linked to your ration card number

How to get your BSKY card:

1. Visit bsky.odisha.gov.in → Download e-Card
2. Or visit the nearest Common Service Centre (CSC) or Mo Seva Kendra

How to Use BSKY at a Hospital

1. Visit any BSKY empanelled hospital (show the BSKY card or ration card)
2. Go to the BSKY help desk / Ayushman Bharat desk (scheme is integrated)
3. Present your BSKY card or ration card + Aadhaar
4. Hospital verifies eligibility in real-time
5. Cashless admission and treatment proceeds
6. Hospital bills BSKY directly

Diseases and Procedures Covered

BSKY covers nearly all conditions including:

• Cancer (chemotherapy, radiotherapy, surgery)
• Heart diseases and surgery
• Kidney/liver transplants
• Brain and spine surgery
• Neonatal ICU
• Burn treatment
• Orthopaedic surgeries
• Maternal health complications

Frequently Asked Questions

1. I am from Odisha but my treatment is at a hospital in Bhubaneswar. Does BSKY work there?

Yes. BSKY works at any empanelled hospital anywhere in India — not limited to your home district or even Odisha. Check the hospital list at bsky.odisha.gov.in.

2. My family doesn't have a ration card. Can we apply for BSKY?

BSKY eligibility is linked to the ration card. If your family is not in the NFSA database, you need to first apply for a ration card through your local Civil Supplies office. Once you have the ration card, BSKY enrollment follows automatically.

3. Our family head is a woman. Do we automatically get ₹10 lakh coverage?

Yes. If the female member is the household head in the ration card database, the family is entitled to ₹10 lakh coverage. Verify at bsky.odisha.gov.in.

4. My husband needed a heart bypass. Does BSKY cover it?

Yes. Open heart surgery including bypass is covered under BSKY. The hospital must be empanelled — check the hospital list at bsky.odisha.gov.in.

5. How do I check if my ration card is in the BSKY database?

Go to bsky.odisha.gov.in → Beneficiary Status → Enter your ration card number or Aadhaar to check.

Official Links