Overview of Health Card Schemes in India
India’s healthcare system has evolved with numerous government-sponsored health card schemes aimed at providing affordable medical care to millions. Launched under the National Health Policy, these initiatives address the rising out-of-pocket healthcare costs, which account for over 60% of total health expenditure in India (source: WHO). The flagship Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) offers nationwide coverage, while state-specific programs like Chiranjeevi Yojana, Mukhyamantri Amrutam, and Bijuswarajya Swasthya Kalyan Yojana (BSKY) cater to regional needs. This page provides a comprehensive comparison to help you choose the right scheme.
Health Card Comparison Table
| Scheme Name | Coverage Amount | Eligible Beneficiaries | Hospital Network | State |
|---|---|---|---|---|
| Ayushman Bharat (PMJAY) | ₹5 lakh/family/year (2025 update) | SECC 2011 families, Aadhaar-linked | Over 25,000 empanelled hospitals nationwide | All India |
| Chiranjeevi Health Scheme | ₹5 lakh/year | All ration card holders, contractual workers | 500+ empanelled hospitals in Rajasthan | Rajasthan |
| Mukhyamantri Amrutam | ₹5 lakh/year | BPL families, select income groups | 400+ empanelled hospitals | Gujarat |
| BSKY (Odisha) | ₹5 lakh (women: ₹10 lakh) | All Odisha families (verified) | 300+ empanelled hospitals | Odisha |
| Swasthya Sathi | ₹5 lakh/year | All West Bengal residents | 600+ empanelled hospitals | West Bengal |
| MJPJAY (Maharashtra) | ₹1.5 lakh/family/year | BPL & select income groups | 450+ empanelled hospitals | Maharashtra |
How These Schemes Benefit You
Government health cards are a lifeline for millions, reducing out-of-pocket expenses that often exceed 60% of healthcare costs in India (source: NITI Aayog). They offer cashless hospitalization for critical treatments like heart surgeries (up to ₹2 lakh under PMJAY), kidney dialysis, cancer therapies, knee replacements, and maternity care. With over 30,000 empanelled hospitals nationwide, these schemes ensure access to quality care. Check your eligibility on Mera PMJAY or state portals.
Frequently Asked Questions
1. Can I use multiple health cards simultaneously?
No, you can typically use only one scheme at a time based on hospital empanelment. Verify with the hospital or PMJAY.
2. Which scheme offers the highest coverage?
BSKY (Odisha) provides up to ₹10 lakh for women, making it the highest as of 2025 (source: Odisha Health Dept).
3. How do I apply for these cards?
Apply via state health portals or CSC centers. For PMJAY, use Mera PMJAY with Aadhaar.
4. Are private hospitals included?
Yes, but only if empanelled. Check PMJAY Hospital List or state directories.
5. Is portability available across states?
PMJAY offers limited portability; state schemes are non-portable. Confirm with NHA.
6. How often are these cards renewed?
Most schemes, including PMJAY, are renewed annually. Check your state’s health portal for updates.