Bhagat Puran Singh Sehat Bima Yojana Punjab — Health Insurance Guide – How to Apply & Benefits

What is Bhagat Puran Singh Sehat Bima Yojana (BPSSBY)?

Bhagat Puran Singh Sehat Bima Yojana is Punjab's state health insurance scheme providing cashless medical treatment to families below the poverty line. Named after the renowned Sikh humanitarian Bhagat Puran Singh, the scheme now operates in convergence with Ayushman Bharat – PMJAY, providing coverage up to ₹5 lakh per family per year.

Coverage

Who is Eligible?

• Blue card (BPL) ration card holders in Punjab
• SECC 2011 listed families
• Families covered under AB-PMJAY criteria
• Yellow card holders (NFSA/priority households)
• Construction workers registered with the Punjab Building Workers Welfare Board
• Small and marginal farmers
• Must be a resident of Punjab

Documents Required

• Aadhaar card
• BPL ration card or NFSA card
• Ayushman Bharat card (if issued)
• Bank account details
• At hospital: Aadhaar for biometric verification

How to Avail Benefits — Step-by-Step

Checking Eligibility

1. Visit pmjay.gov.in or mera.pmjay.gov.in
2. Enter mobile number and OTP
3. Search by name, ration card, or SECC data
4. Or call 14555 (Ayushman helpline) or 104

Getting Treatment

1. Visit any BPSSBY/AB-PMJAY empanelled hospital
2. Go to the Ayushman Mitra/help desk at the hospital
3. Show Aadhaar card and ration card
4. Biometric verification for identity confirmation
5. Pre-authorization — hospital sends treatment request
6. Cashless treatment — no payment for covered procedures
7. Post-discharge — follow-up covered for 15 days

Getting Ayushman Card

1. Visit any Common Service Centre (CSC) or empanelled hospital
2. Carry Aadhaar and ration card
3. Biometric registration
4. Ayushman card issued (physical or digital)

Finding Empanelled Hospitals

• Visit sha.punjab.gov.in for hospital list
• Call 14555 or 104 for assistance
• Search on pmjay.gov.in

Processing Time

• Eligibility check: Instant
• Card issuance: Same day at CSC
• Pre-authorization at hospital: 2-6 hours

Fees

Free. No premium for BPL/NFSA families. Cashless treatment with no charges.

Important Tips

1. Get Ayushman card — While not mandatory (Aadhaar works), having the card speeds up hospital verification
2. Use empanelled hospitals — Non-empanelled hospitals are not covered
3. No middlemen — Go directly to the hospital's Ayushman Mitra desk
4. Report overcharging — Call 14555 if any hospital demands money
5. Works across India — Under PMJAY portability, use at empanelled hospitals anywhere in India

Frequently Asked Questions

Q1. Is BPSSBY the same as Ayushman Bharat?

BPSSBY is Punjab's state scheme that now works in convergence with AB-PMJAY. Together, they provide ₹5 lakh coverage.

Q2. Are pre-existing diseases covered?

Yes. No waiting period for pre-existing conditions.

Q3. Can I use this scheme in another state?

Yes, under PMJAY portability at any empanelled hospital across India.

Q4. How many family members are covered?

All members on the ration card. No cap on family size.

Q5. Is maternity covered?

Yes. Normal and C-section deliveries are covered at empanelled hospitals.

Q6. What if I don't have a ration card?

You may still be eligible if listed in the SECC 2011 database. Check on the PMJAY portal.

Disclaimer: This guide is for informational purposes only. CitizenNest is not affiliated with the Government of Punjab. Verify on sha.punjab.gov.in.