The Bhamashah Swasthya Bima Yojana is a health insurance scheme launched in 2025 by the Rajasthan government to assist the vulnerable section of society with medical expenses. It provides coverage up to Rs 3 lakh per family annually. The scheme aims to provide quality healthcare with minimal financial burden.
Bhamashah Yojana: An overview
The Bhamashah health insurance scheme aims to empower women while working to bring financial inclusion. Under this scheme, the female head of the family is made the principal cardholder. This card is a single-window document to avail of benefits under the scheme.
What is the Bhamashah Swasthya Bima Yojana (BSBY)?
The BSBY scheme provides medical expenses to families below the poverty line. It offers cashless hospitalisation for certain treatments, ensuring quality healthcare is available with lesser financial burdens.
Features of Bhamashah Yojana (BSBY)
The scheme offers:
- Cashless medical treatments
- Treatment in both public and private empanelled hospitals
- Coverage for expenses before and after hospitalisation
- Financial aid for high-cost medical procedures, such as heart surgeries
- Travel allowance up to Rs 500
Benefits of Bhamashah card
The card:
- Reduces out-of-pocket expenses for medical treatments
- Empowers women
- Ensures transparency in fund distribution
Inclusions under Bhamashah Swasthya Bima Yojana
The scheme covers:
- Room charges, doctor’s consultations, and nursing charges
- Major surgeries
- Essential tests required for treatment
- Follow-up treatments and medications
- Pre-existing diseases from day one of enrolment
Eligibility criteria for Bhamashah Swasthya Yojana
The Bhamashah Swasthya Bima Yojana eligibility requires one:
- Be a resident of Rajasthan
- Belong to a specified economically weaker section (as per the socio-economic survey 2011)
Documents required to apply for BSBY Scheme
The list of documents required are:
- Aadhaar card
- Proof of residence
- Income certificate
How to download Bhamashah card?
To download the card:
- Visit the official Rajasthan government website
- Log in using the Aadhaar card or registered mobile number
- Navigate to the Bhamashah card section
- Enter the details and download the card
How to update Bhamashah card bank account?
The bank account details can be updated in two ways:
Online:
- Log in to your eMitra account
- Select bank details
- Enter your Bhamashah number
- View the existing details
- Make necessary changes and submit
Offline:
- Visit the nearest eMitra centre or government kiosk
- Provide the original Bhamashah card and bank details
- Fill out the account update form
- Submit it for processing and verification
What is the eligibility for Bhamashah card?
The requirements are:
- Must be a permanent resident of Rajasthan
- Must belong to a financially weaker section
- The female head of the family must be registered as the primary cardholder
What is the activation process for Bhamashah card?
Follow the below steps on the Rajasthan Jan Aadhaar Authority website:
- Register and enrol for the BSBY scheme
- Select “Bhamashah Citizen Enrolment”
- Enter your reference ID
- Verify the details
- Submit personal and contact information in the enrolment form
- You will receive a receipt number that needs to be kept handy for any future purpose to avail of the benefits
You can also visit the nearest eMitra kiosk with the required documents to apply and get the card.
How to edit Bhamashah card online?
To edit the card online:
- Register and log in to the Rajasthan SSO portal
- Select edit option
- Enter your Bhamashah number and make the required changes
- Submit for verification and approval
Claim procedure for Bhamashah Swasthya Bima Yojana
The procedure involves:
- Visiting an empanelled hospital for treatment
- Showing your ID proof and BSBY card
- The hospital verifies the details and initiates treatment
- The hospital shares the bills and reports with the insurer
- The insurance company settles the amount with the hospital.
FAQs
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Can I register for the Bhamashah Bima Yojana?
If you are a resident of Rajasthan and belong to lower-income groups, you can apply for this scheme.
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What is the coverage amount under the BSBY?
The scheme provides coverage of over Rs 30,000 per family annually for normal illnesses; for critical diseases, the amount climbs to Rs 3 lakh.
Conclusion
The Bhamashah Swasthya Bima Yojana has served as a lifeline for vulnerable families. It has contributed to laying the foundation for cashless treatment and widened the coverage for critical illnesses with better access to health services. Since a health emergency can happen at any time, appropriate health insurance and parents health insurance are essential as they can provide financial protection during those events, ensuring your family is always protected.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.