The Swasthya Sathi scheme was launched by the Government of West Bengal in 2016. Designed to provide affordable and comprehensive medical coverage, it offers families in West Bengal up to Rs 5 lakh per year for hospitalisation and treatment of a wide range of illnesses, including pre-existing conditions from day one.
If you live in West Bengal, read on to learn everything you need to know about this government-backed healthcare initiative.
What is the Swastha Sathi scheme?
Swasthya Sathi Scheme is a health insurance scheme initiated by the West Bengal government to provide medical care to its citizens. The scheme provides comprehensive coverage for all medical treatments and hospital procedures to enable people to obtain timely and proper treatment without financial burdens.
Features of the Swasthya Sathi scheme
Here are some of the key features of the Swasthya Sathi scheme:
- Comprehensive coverage: The Swasthya Sathi coverage includes a comprehensive range of healthcare services such as hospitalisation, surgeries, diagnostic tests, outpatient consultations and essential medicines.
- Cashless treatment facility: Beneficiaries can have treatment without paying upfront at empanelled hospitals across West Bengal.
- Entire family covered: A single smart card entitles every family member, from children to the elderly, to equal medical benefits.
- No limit on family size: This makes it especially beneficial for larger families, ensuring that no one is left out of health coverage.
Benefits of the Swasthya Sathi Health scheme
The Swasthya Sathi card benefits people who need medical assistance during medical emergencies without any financial burden. Here are its benefits:
- Coverage up to ₹5 lakh: Each family is entitled to annual health insurance plans of up to ₹5 lakh. This includes both secondary and tertiary level medical care.
- Pre-existing illnesses covered: The scheme provides coverage for existing health conditions from the day of enrollment, ensuring no one is left out due to prior illness.
- Family-wide coverage: The number of family members covered is not restricted. The scheme also includes in-laws and dependent members with disabilities.
- No premium from beneficiaries: The full premium is paid by the West Bengal government, which means families do not have to contribute anything financially.
- Cashless hospitalisation: The costs for doctor visits, diagnostic tests and medicines are covered starting from one day before admission.
Eligibility criteria for the Swasthya Sathi scheme
Before applying, check if you meet the eligibility criteria for the scheme. You must be a permanent resident of West Bengal and not covered by any other health insurance. Eligible groups include domestic helpers, street vendors, contract labourers, small farmers, civic volunteers and select categories of state government staff who are automatically included.
How do you apply for the Swasthya Sathi scheme online?
To Swasthya Sathi card apply online, follow these steps:
- Check out the official Swasthya Sathi Scheme website at https://swasthyasathi.gov.in.
- Click on the “Apply Now” button.
- Fill out the online application form with the correct personal and family details, including income information.
- Upload the important documents, such as identification proof, address proof and income certificates.
- Submit the application form online.
- After the application is approved, beneficiaries will receive their Swasthya Sathi cards by mail.
What documents are required to apply for the Swastha Sathi scheme?
When you apply for the Swastha Sathi scheme, you’ll need Aadhaar card number, khadyasathi ration card number, registered mobile number, employment status of the member and important Legal Domicile Document
Conclusion
The Swasthya Sathi Scheme has proved to be a major leap towards better healthcare in West Bengal.
However, while such schemes are helpful, it is still wise to invest in comprehensive coverage like senior citizen health insurance to ensure added protection and peace of mind, especially for older family members.
FAQs
- Who can apply for the Swasthya Sathi scheme?
Swasthya Sathi card eligibility particularly targets individuals from financially disadvantaged backgrounds as well as government employees.
- How much health coverage does the scheme provide?
The scheme aims to provide up to Rs 5 lakh per family annually for primary, secondary and tertiary care.
- How do I get the Swasthya Sathi card?
When you enrol under the scheme, an online Swasthya Sathi card with all your family information, including photos, mobile numbers and health history, will be issued via the internet.
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.