About Deen Dayal Swasthya Seva Yojana

Deen Dayal Yojana is a cashless health insurance scheme extended to those living in Goa to ensure they get access to quality healthcare services. Members can avail medical facilities at government and private hospitals part of the DDSSY scheme with an annual health coverage of Rs 2.5 Lakhs to Rs 4 Lakhs per family.

Depending on the number of members in a family, a small premium of Rs 200  or Rs 300 is charged on an annual basis for them to avail DDSSY benefits. A premium concession of 50% is also available to those belonging to OBC, SC or ST category as well as differently challenged individuals.

Eligibility criteria of DDSSY

In order to be eligible for the Goa government’s Deen Dayal Yojana, a prospective applicant should fulfil a few conditions. These include:

  • You should be a citizen of Goa living in the state for the past 5 years
  • You should not be a Central or State government official already covered by the medical reimbursement scheme of the government.

Documents required for DDSSY

If you are a Goa resident interested in enrolment in the scheme to avail DSSY benefits, here are a few documents you are required to furnish:

  • Aadhaar card
  • Acknowledgement slip of enrollment
  • Residence proof issued 5 years back such as Passport, Voter ID, driving license, etc.
  • Ration card
  • An Income certificate( for OBC individuals as a proof of yearly income below Rs 6 lakh)
  • Caste certificate issued by either the Deputy Collector or the Directorate of Tribal Welfare for SC/ST applicants
  • A certificate of disability for differently abled individuals

Application procedure for Deen Dayal Yojana

  • Visit goaonline.gov.in and register by providing your personal details such as name, address etc along with OTP based authentication
  • Now login and go to your profile to validate your Aadhar card number
  • Click on ‘DDSSY renewal’ in the services menu if you are already a member
  • Fill in your card number and search for member details
  • Now generate OTP by clicking on the relevant link. Enter the OTP sent to your registered mobile number for validation
  • Fill in the information in the mandatory fields and upload documents if applying for renewal along with updation
  • Click ‘proceed to pay’ to make payment towards the registration fee

Deen Dayal Swasthya Seva Yojana benefits

Beneficiaries of Deen Dayal Yojana enjoy several advantages such as:

  • Cashless medical facilities are available as a part of the annual health cover capped at Rs 2.5 Lakhs a year for a family with three or less members and Rs 4 Lakhs for those with four members or above. Health cover can be increased by paying a higher premium while enjoying the benefits of existing policy.
  • Both GMC and DHS medical institutes offer free OPD and primary care to DDSSY members
  • The scheme covers up to 447 procedures that may require hospitalisation and takes into account the highest rates as incorporated from CGHS, states as well as institutes of national excellence.
  • An annual upper limit of Rs 15,000 applies to medicines for chronic lifestyle conditions such as Diabetes and Hypertension
  • Medication for Epilepsy, Multiple Sclerosis and Cerebral Palsy is covered as a part of DDSSY benefits to its members
  • Those hospitalised for mental health conditions or Ayurvedic treatment shall be directed only to government centers
  • High end diagnostic treatment requires reference of a government hospital or doctor and is available at fixed rates as per GMC
  • Non beneficiaries are charged 30% of the package rates of the procedures listed in Deen Dayal Yojana for the first year which increase to 60% and 100% in the second and third year respectively

List of hospitals under the Deen Dayal Yojana

South Goa

North Goa

Apollo Victor Hospital

Campal Clinic

Grace Intensive care Cardiac care centre and general

Gauns Child care hospital, NICU and premature care unit

Pai hospital

Goa medical college and hospital

Usgaonkar’s Children hospital, clinic and NICU

 

Hospicio hospital

 

Mother Care multispecialty hospital

 

Conclusion

If you are living in Goa, you can enrol in the scheme to avail DDSSY benefits at reasonable rates. However, rising medical costs and increasing incidence of both infectious and chronic lifestyle diseases warrants that you opt for a higher insurance cover to safeguard the health of you and your family.Health Insurance available on Finserv MARKETS offers tailor-made plans with a sum insured of up to Rs 50 lakhs so that your family members get the best medical care when the need arises.

The policy covers Pre and post hospitalisation, expenses related to maternity and newborn, organ donation as well as Ayurvedic and homeopathic treatment. No matter where you reside in India, with the extensive network of more than 6500 empanelled hospitals, you can be rest assured that your family gets quality healthcare access in an emergency.

Apart from this, you also get tax benefit on the pocket-friendly premiums paid by you, sum insured restoration for the same illness and top-up of your existing cover with their top-up plans when you purchase Health Insurance available on Finserv MARKETS. So, choose the right health insurance plan today to stay prepared for a medical emergency in the future.

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