Mukhyamantri Swasthya Bima Yojana (MSBY)

  • Author :
  • TATA AIG Team
  • Published on :
  • 17/04/2024

With India's growing population, the types of diseases and healthcare concerns are also on the rise. To meet the growing demands for healthcare treatments and services, the price of medical services has also touched new heights.

To ensure maximum people, regardless of their income group, can avail of the necessary medical treatments, the government of different states in India introduced various policies to extend support.

One such policy is Mukhyamantri Swasthya Bima Yojana. The Uttarakhand State Government introduced this particular health insurance scheme for the state residents. Let us look at this policy in detail below.

What is Mukhyamantri Swasthya Bima Yojana?

The Mukhyamantri Swasthya Bima Yojana (MSBY), also known as the Chief Minister’s Health Insurance Scheme, is a government-initiated health insurance program that was launched in the state of Uttrakhand back in April 2015.

It offers the same benefits as that of a medical insurance plan to the policyholders and allows them to benefit from cashless and affordable treatments. The end goal of this health insurance scheme is to provide maximum financial assistance to those who belong to the lower-income groups in the state.

The scheme was introduced in the state in two phases. The first phase was launched in April 2016, during which individuals received a medical cover of ₹50,000. The second phase was launched in August 2016, during which all individuals and families under this scheme received an initial medical cover of ₹50,000, and then the cover amount was raised to ₹1.25 lakhs.

Eligibility Criteria for Mukhyamantri Chiranjeevi Swasthya Bima Yojana

To apply under the Mukhyamantri Swasthya Bima Yojana (MSBY), you must meet the required eligibility criteria, as stated by the government of Uttarakhand. Here is all you need to do:

  • The applicant must be a resident of Uttarakhand.

  • The applicant must meet the required income brackets.

  • The applicant should not be a government official or employed under any such roles.

  • To be eligible for Mukhyamantri Swasthya Bima Yojana (MSBY), the applicant must not hold any other health insurance scheme or plan.

  • The applicant must not be a pension holder.

  • The applicant must not be a state officer of any designation.

Benefits of Mukhyamantri Swasthya Bima Yojana

Financial Safety Net

One of the most significant benefits of the MSBY scheme is the financial support provided to lower income earners and their families in times of medical assistance and treatments. Within this scheme, they can avail free of cost treatments at one of the authorised hospitals under this plan, ensuring the services are not compromised under any condition or category.

Family Cover

Under Mukhyamantri Swasthya Bima Yojana (MSBY), in addition to covering individuals, you can also avail of medical treatment coverage for your family members for up to 12 months. When you apply and register for an MSBY card, you can add up to 5 other family members within one plan with all the same financial assistance benefits.

Diverse Coverage

No matter the medical condition and the category of treatment required, the scope of coverage under Mukhyamantri Swasthya Bima Yojana (MSBY) includes various diseases and critical illnesses. Thus, if you have an MSBY card, you no longer have to worry about medical expenses, as the government has your back.

Cashless Treatments

All the authorised hospitals under the Mukhyamantri Swasthya Bima Yojana (MSBY) scheme offer individuals the flexibility of cashless treatments. This means that the government pays off all the medical bills and treatment expenses on your behalf and you can easily avail free of cost services at these hospitals.

List of Documents Required for Mukhyamantri Karmchari Swasthya Bima Yojana

To apply for Mukhyamantri Swasthya Bima Yojana (MSBY), you must have the following documents ready to be submitted as proof to qualify:

  • Bank account statement and details

  • Proof of residence

  • Income certificate or proof of earned income (salary slips, bank statements, etc.)

  • Voter ID

  • Aadhaar card

  • BPL certificate

  • 2 clear passport-size photographs

Application Process for Mukhyamantri Swasthya Bima Yojana

If you wish to apply for the Mukhyamantri Swasthya Bima Yojana (MSBY), you must follow the steps mentioned below. However, ensure you meet the eligibility criteria before applying.

  • For Mukhyamantri Swasthya Bima Yojana, locate the nearest enrolment centre set up by the Government of Uttarakhand. These centres are available in every district of the state to make it easier for people to get the necessary information and services.

  • Visit the centre with the list of necessary documents mentioned above.

  • Go to one of the officers on duty and request application requirements to apply for MSBY.

  • Additional information: For more details, contact 1800-180-1200 (toll-free)

Role of Tata AIG Health Insurance

The Mukhyamantri Swasthya Bima Yojana (MSBY) was launched in 2016 to provide less fortunate individuals and their families with quality medical services and treatments without imposing a financial burden.

However, given the income brackets listed for eligibility under this health insurance scheme, not everyone can enjoy these perks. Thus, to help as many individuals and families as possible with financial assistance during medical emergencies, Tata AIG offers a wide range of health insurance plans for varying needs.

Our plans are designed to provide maximum coverage for not only the treatment duration but also pre and post-hospitalisation charges, room fares, ambulance charges, and much more.

Moreover, to cater to the specific needs of individuals, we offer ample customisation flexibility with our plans. Other than these benefits of health insurance plans, we also offer the convenience of availing cashless treatments at any hospital of your choice. #GoCashless

Conclusion

The Mukhyamantri Swasthya Bima Yojana initiative by the government of Uttarakhand is a significant effort to bridge the gap between the different income earners in the state by making healthcare more affordable and accessible to low-income earners.

By assessing the various benefits of this scheme and understanding the eligibility criteria, you can make the best use of this initiative for the well-being of yourself and your family.

Along with this health insurance scheme, there are many other state-wise government schemes launched around India to make healthcare available for all. From Rajasthan to Himachal Pradesh and many other states, there are different schemes available. Research and avail the benefits in your state today!

FAQS

What is included in the Mukhyamantri Swasthya Bima Yojana card detail?

The Mukhyamantri Swasthya Bima Yojana card usually contains the following details.

Name of the insurance holder

Photograph of the insurance holder

Gender and age of the insurance holder

Policy number

The father’s name of the insurance holder

Date of issue

Biometric information, etc.

Can I avail the Mukhyamantri Swasthya Bima Yojana benefits at any hospital in Uttrakhand?

No, under the Mukhyamantri Swasthya Bima Yojana scheme, there is an authorised network of hospitals that are permitted to provide the required medical services for free. Other hospitals outside the network can refuse admission under this scheme.

Is there a fixed validity of the MSBY card?

In most cases, the Mukhyamantri Swasthya Bima Yojana card is valid for up to 12 months. After this, renewals are necessary to avail of the benefits of this government initiative.

What happens if I do not have an MSBY card but have the EPIC number?

In such cases, before approving treatments, your details will be verified in the system using the EPIC number. If the system locates your information, you will receive the desired payment. However, if information is not found, you will be required to submit additional proof of eligibility to get access to the desired treatment as part of this scheme.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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