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Overview on Mukhyamantri Swasthya Bima Yojana (MSBY)

Mukhyamantri Swasthya Bima Yojana is a flagship healthcare services scheme launched by the Chief Minister of Uttarakhand for providing medical facilities at a low cost. The aim of this scheme is to provide medical insurance and cashless treatment facility for the needy. The first phase of the scheme was implemented in April 2016 and the second phase in August 2016. This scheme is supervised by the Department of Health and Welfare and aims to place the needy as the top priority to ensure that quality healthcare is easily accessible and also affordable.

Features & Benefits of Mukhyamantri Swasthya Bima Yojana

  • All the eligible candidates will be able to enrol in the MSBY and get medical insurance. This insurance will ensure that they get treatment in the selected hospitals for free.

  • People belonging to both BPL (Below Poverty Line) and APL (Above Poverty Line) can avail the benefits of this cashless scheme.

  • Government will be responsible for covering the cost of treatment under this medical insurance scheme.

  • Apart from the insurance policyholder, a smart card will be providing coverage for the health requirements of the other 5 members of the family for a period of one year.

  • A large number of Government and Private medical institutes have been enlisted under the initiative.

Exclusions of MSBY

The benefit of the Uttarakhand Chief Minister Health Insurance Scheme will not be provided to the family of pension holders, government employees, and officers of the state. Secondly, applicants who have another policy or are taking the benefit of any other medical scheme are not eligible to apply for the Mukhyamantri Swasthya Bima Yojana.

Who is Eligible for Mukhyamantri Swasthya Bima Yojana?

The benefit of this scheme will be provided to the poor citizens of all sections of the Uttarakhand state. This will ensure that at the time of any medical emergency or critical illness, treatment is readily available for them. Some of the eligibility criteria for the Uttarakhand Mukhyamantri Swasthya Bima Yojana are:

 

  • At first, the applicant should be a permanent resident of Uttarakhand state.

  • Secondly, their income should essentially be under the specified criteria only.

  • Also, any employee working as a government official cannot apply under the scheme.

Documents Required

The following documents are required to apply for the Uttarakhand Mukhyamantri Swasthya Bima Yojana:

 

  1. Residential proof/documents that he/she belongs to the Uttarakhand state

  2. Income proof/certificate

  3. Aadhaar card

  4. BPL Certificate

  5. Bank Account Details

  6. Passport size photograph of the applicant

  7. Voter Card

  8. Ration Card

How to Apply for MSBY Online?

Here is a quick and simple process to apply under the Mukhyamantri Swasthya Bima Yojana 2022 :

 

  • At first, the applicant should go through the Official Website of the MSBY given by the concerned department.

  • Then, navigate to the homepage and click on the Mukhyamantri Swasthya Bima yojana Card option on the right-hand side of the page.

  • Then, click on the option for ‘enrolment of families’.

  • Enter the details requested on this page and click on ‘proceed’.

  • After that, you will see the application form for the eligible candidates on the screen.

  • Fill in all the information asked in the application form and upload the documents asked in the application form.

  • Finally, click on the submit button to complete your registration for the scheme.

  • Once the application has been verified and approved by the department, you will be provided with the smart card under the Mukhyamantri Swasthya Bima Yojana.

Uttarakhand MSBY Status 2022

The Mukhyamantri Swasthya Bima Yojana was announced in two phases:

 

Under the first phase, a medical policy was announced where the registered families under the yojana will have medical coverage of Rs. 50,000

 

Under the second phase of the Uttarakhand Mukhyamantri Swasthya Bima Yojana, the registered families were receiving coverage of Rs. 50,000 which was then increased to Rs. 1.25 lakh. Also, various critical diseases that were not on the list before were included now.

Hospital Information

The scheme can only be implemented in certain hospitals and centres. The candidate may use the official website of the Mukhyamantri Swasthya Bima Yojana to understand the ones enlisted under the medical insurance scheme.

Conclusion

This scheme was implemented to provide better medical treatment to the Uttarakhand state residents as well as financial aid. If you haven't applied for the card, now is the time.

 

Additionally, purchasing health insurance is a great way to protect your near and dear ones. It will provide you with financial security in the case of a medical emergency. If you're considering buying it, Bajaj Markets is the place to go. This platform features a number of lenders where you can compare the plans and select the one that best suits your requirement.

FAQs on Mukhyamantri Swasthya Bima Yojana (MSBY)

  • ✔️What are the documents required to register under the Mukhyamantri Swasthya Bima Yojana?

    The following documents are required to apply for the Uttarakhand Mukhyamantri Swasthya Bima Yojana:

    o   Residential proof/documents that he/she belongs to the Uttarakhand state

    o   Income proof/certificate

    o   Aadhaar card

    o   BPL Certificate

    o   Bank Account Details

    o   Passport size photograph of the applicant

    o   Voter Card

    o   Ration Card

  • ✔️Is there any health insurance for Below Poverty line people?

    Yes, for both the Below Poverty line (BPL) and Above Poverty Line (APL), you can buy the Mukhyamantri Swasthya Bima Yojana which was launched by the Chief Minister of Uttarakhand and is supervised by the Department of Health and Welfare.

  • ✔️When was the Mukhyamantri Swasthya Bima Yojana introduced?

    The Mukhyamantri Swasthya Bima Yojana started on 1st April 2015.

  • ✔️Who are the key beneficiaries under the Swadhar Greh Scheme?

    This scheme was primarily launched to help people from low-income families and weak economic backgrounds, who may have been victims of adverse circumstances and therefore have no economic or social support.

  • ✔️Can people from other states apply for Mukhyamantri Swasthya Bima Yojana?

    No. Mukhyamantri Swasthya Bima Yojana is only available for the people of Uttarakhand

  • ✔️How many diseases are covered under Chiranjeevi Yojana?

    Nearly 1206 diseases are covered under the Mukhyamantri Swasthya Bima Yojana, including serious and critical illnesses.