In India, healthcare is a big challenge for many people, especially those from weaker sections of society. To help with this, the Jharkhand government launched a health insurance scheme called the Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY). The scheme is meant to provide financial help and good health care services to families in need, protecting them from high medical expenses. Let’s take a quick and easy look at what this scheme is all about.
What is Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY)?
The Mukhyamantri Abua Swasthya Suraksha Yojana is a health insurance scheme started by the Jharkhand government. It mainly helps those who were left out of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). Under MASSY, families get free health insurance coverage so they can get cashless treatment at hospitals.
Features of Mukhyamantri Abua Swasthya Suraksha scheme
Mukhyamantri Abua Swasthya Bima Yojana has many useful features that make it easier for poor families to get treatment:
- Insurance cover of ₹15 lakh for the family per year for secondary as well as tertiary health care
- Covers hospitalisation expenses for serious diseases and treatments.
- Cashless treatment at government and private hospitals linked with the scheme.
- Paperless system with e-cards for easy verification.
- Covers pre-existing diseases.
- Offers free registration. People do not need to pay anything to enrol.
- Wide network of empanelled hospitals inside and outside Jharkhand.
- No age limit for family members covered under the scheme.
Benefits of MASS policy
MASS scheme gives many important benefits, including:
- Provides health insurance protection worth up to ₹15 lakh per family
- Saves families from taking loans or selling assets during illness
- Makes sure poor people can go to private hospitals as well as government ones
- Gives peace of mind that treatment is available without worrying about cost
- Encourages people to get timely treatment rather than ignoring their health
- Covers most diseases and pre-existing illnesses
- No paperwork burden since everything is managed through e-cards
- Emergency hospital care can be accessed without delay
Eligibility criteria under Mukhyamantri Abua Swasthya scheme
The ABU Swasthya Bima scheme targets Jharkhand residents from weaker sections who are not covered under the central Ayushman Bharat scheme. Eligible families must be listed in the state’s socio-economic survey and have a valid ration card or other ID proof for verification.
How to apply for Mukhyamantri Abua Swasthya Suraksha Yojana?
The application process for MASSY is simple and hassle-free. Here's a step-by-step guide:
- Visit the official portal
Go to bis.jharkhand.gov.in.
- Login using mobile number
Enter your mobile number and get an OTP (One Time Password) on your phone. Put in the OTP and the captcha code to proceed.
- Search using the ration card
Enter your ration card number and captcha. Click on the “Search” button. The portal will show the list of family members linked to your ration card.
If your details match your ration card and Aadhaar, you can download the health card. You can save the card for future use.
Documents required for Abua Swasthya Bima Yojana
To apply under MASSY, you need to have an Aadhaar card of all family members. It should be linked with a ration card. You also need residential proof (like voter ID or electricity bill).
Conclusion
The Mukhyamantri Abua Swasthya Suraksha Yojana is a big step by the Jharkhand government to provide quality health care to economically challenged families. While such government schemes offer valuable support, it’s still wise to invest in health insurance plans. It provides coverage against medical needs, hospital stays, surgeries and medicines in times of need.
FAQs
- What is the coverage amount under MASSY?
The MASSY scheme gives health insurance coverage of up to ₹15 lakh per family per year.
Families living in Jharkhand who are not covered under Ayushman Bharat can apply.
- Is pre-existing disease covered?
Yes, all pre-existing illnesses are covered.
- Can I get treatment at private hospitals?
Yes, you can go to any private or government hospital for cashless treatment.
- How to get the MASSY card?
You can apply at your nearest Pragya Kendra or CSC and get an e-card after registration.
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 a certified medical and/or nutrition professional for any questions. 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.