West Bengal Health Scheme (WBHS)

Launched by the West Bengal Government in 2014, the WBHS is a health insurance scheme. It offers cashless treatment facilities to All India Services (AIS) officers, state government employees, and pensioners.

Under the aegis of this scheme, you can take advantage of cashless indoor treatment amounting to ₹1 Lakh. Additionally, you can also receive financial aid for OPD treatment and even avail of out-of-state treatment benefits. 

Here are a few key features of the West Bengal Health Insurance Scheme (WBHS):

• Cashless Indoor Treatment

With the WB Health Scheme, you can avail the benefits of cashless indoor treatment for up to ₹1,00,000 from hospitals including in the WBHS hospital list. If the bill amount exceeds ₹1,00,000, the additional amount must be settled by you.

• OPD Treatment

As a beneficiary, you can claim the reimbursement for your OPD treatment according to the conditions provided by the scheme.

• Non-Empanelled Hospital

If you choose to avail any kind of treatment from a non-empanelled hospital, a certain amount of the bill can be reimbursed through the West Bengal Health Scheme.

• Out-of-state Hospitalisation

If you get a treatment done from an empanelled hospital belonging to a different state, you are eligible to claim the reimbursement.

WB Health Scheme offers coverage for over 1,000 medical procedures. The following table explains the extent of coverage for certain treatments:

1. Benefits for the IAS Officers

IAS officers can avail the benefits of the West Bengal Health Scheme for themselves and their families as per the following conditions:

• Enrolling for the WBHS is optional

• The concerned administrative department for IAS officers and their families would be the Personnel and Administrative Reforms Department

• IAS officers and their families can avail facilities as per All India Services Rules, 1954

• They shouldn’t receive healthcare benefits under the Central Government Health Scheme (CGHS)

2. Benefits for the IPS Officers

IPS officers and their families can avail the benefits of WBHS as per the following conditions:

• The WB Health Scheme is optional

• Their administrative department will be the Home Department Police Service Cell

• They can avail the facilities of All India Services Rules, 1954

• They shouldn’t avail the benefits of the Central Government Health Scheme (CGHS)

3. Benefits for the IFS Officers

IFS officers and their families can benefit from the WBHS as per the following conditions:

• Then enrollment is optional

• The concerned department for IFS officers would be the Department of Forests

• They can avail All India Services Rules, 1954 facilities

• Officers that receive healthcare benefits under the Central Government Health Scheme (CGHS) cannot be a part of the WB Health Scheme

Here’s the list of the diseases which are included and excluded under the WB Health Scheme:

Follow the below-mentioned steps to register as a pensioner under WBHS:

• Navigate to the online website of the the Health Scheme Portal of the Finance Department of the Government of West Bengal.

• Click on the option “online enrollment”.

• Choose the option ‘’Govt. Pensioner’’ from the dropdown list which appears.

• Enter you P.P.O. No. on the new page which appears. 

• Tap on “Ok”.

• Enter your necessary details like your date of birth, district of birth, gender, name, email ID, mobile number, ID proof, retirement date, residential address, name of the department, previous office location, etc.

• Upload a scanned copy of your photo and signature in the required format and size.

• Upload the other necessary documents.

• Review your entered information.

• Click on ‘’Submit’’.

You are now registered as a pensioner under WBHS.

Here’s how you can register for college under WBHS:

• Navigate to the official website of WBHS.

• Click on ‘’Online Enrolment’’.

• Select your preferred beneficiaries of grants in your aid college.

• Enter your Human Resource Management System (HRMS) ID.

• Tap on ‘’Ok”.

• Fill in the necessary details as asked in the new registration form that appears on your screen.

• Click on ‘’Submit’’. 

You are now registered for college under WBHS.

Here’s how you can register for a new hospital under West Bengal Health Scheme:

• Navigate to the official website of WBHS.

• Click on the ‘’Online Enrolment’’ tab.

• Click on ‘’New Hospital Registration’’ tab.

• Enter the necessary details like your organisation’s type, system’s type, district, state, service provider, etc.

• Click on the ‘’Submit’’ button.

Your hospital is now registered under the West Bengal Health Scheme.

Follow the given steps to download the WBHS application form from the official website:

• Step 1: Go to the WBHS portal’s download section at: https://wbhealthscheme.gov.in/Home/wbhs_download.aspx

• Step 2: Click on the ‘Select Category’ dropdown menu and choose your relevant category

• Step 3: From the list of forms that appear, download the WBHS application form

• Step 4: Make sure to save a soft copy on your computer and take a printout for future reference

State government pensioners have to fill out and submit a different set of forms. They include the following:

Here are the eligibility parameters of the West Bengal Health Scheme:

• Central and state government employees who avail of pensions 

• Employees who have opted for the medical allowance

• Pensioners

• Officers across the country 

Parents, spouses, siblings, and children who are financially dependent on the beneficiary are eligible for the WBHS scheme.

Here’s how you can contact the customer service executives in case of any queries or concerns:

• Email address: support.wbmedicalcell@nic.in

• Contact number: (033)2254-4123/(033)2254-4034

• For Technical Help:

• Email address: support.hshed-wb@nic.in

• Contact number: 18001028014

Yes, you can opt out of the scheme if you have adequate private health insurance to take care of yourself and your family. However, if any of your family members have availed of the WBHS benefit, then you won’t be able to opt-out until 5 years after availing of the benefit.

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