About the Biju Swasthya Kalyan Yojana (BSKY) in Odisha
Odisha has one of the most progressive and inclusive public healthcare systems in India, driven by its flagship universal health scheme, the Biju Swasthya Kalyan Yojana (BSKY). This powerful state initiative has been integrated with the central government's Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY). The combined scheme provides a robust safety net to nearly the entire population of the state, offering a comprehensive cashless health cover of up to ₹5 lakh per family per year, with an enhanced cover for women.
This detailed 2025 guide provides the official list of all empanelled public and private hospitals under the BSKY-PMJAY scheme. Beneficiaries across all districts, including major cities like Bhubaneswar (Khordha), Cuttack, Sundergarh, and Ganjam, can access high-quality secondary and tertiary care without any financial burden.
BSKY & PMJAY: Odisha's Flagship Health Scheme
Understanding Odisha's model is key. BSKY is the master scheme that provides universal health coverage to the residents. The central PMJAY is subsumed within this framework. The most remarkable feature of BSKY is its enhanced benefit for female members of the family:
- Standard Family Cover: Every beneficiary family receives a cashless health cover of up to ₹5 lakh per year on a family floater basis.
- Enhanced Cover for Women: In a progressive move, the annual cover for women members of the beneficiary family is increased to ₹10 lakh. This means if a woman in the family requires treatment, the limit for her is double the standard amount.
How to Find a Network Hospital in Odisha
Odisha has a vast network of empanelled hospitals, including all government facilities and a large number of private hospitals both within and outside the state. To find a facility:
- Visit the official PMJAY Hospital Search Portal for a nationwide list.
- For a state-specific, comprehensive list, you can also refer to the official BSKY Odisha website.
- Filter by 'District' (e.g., Cuttack, Khordha) to see all approved hospitals in your area.
At each network hospital, a dedicated "Swasthya Mitra" helpdesk is available to assist you with all scheme-related formalities, ensuring a smooth and completely cashless experience.
Eligibility Criteria and Core Benefits
Who is Eligible for BSKY in Odisha?
Eligibility for BSKY is designed to be nearly universal for the residents of Odisha:
- All families holding a valid BSKY Card or BSKY Nabin Card are eligible.
- This includes all families enrolled under the National Food Security Act (NFSA) or State Food Security Scheme (SFSS).
- The only exceptions are regular government employees and income tax-paying families.
Essentially, if your family has a ration card and does not pay income tax, you are likely covered.
The Key Benefits of the BSKY Scheme
- High-Value Financial Protection: A standard cover of ₹5 lakh for the family, with an exceptional enhanced cover of up to ₹10 lakh for women members.
- Universal Coverage for Residents: The scheme covers over 96 lakh families, ensuring a health safety net for the vast majority of the state's population.
- Completely Cashless Service: All treatments at network hospitals, from consultation to discharge, are 100% cashless.
- Access to Top Hospitals Nationwide: BSKY beneficiaries can get treatment at over 200 top private super-speciality hospitals located outside Odisha, in major cities across India.
Frequently Asked Questions (FAQs)
1. What is the Biju Swasthya Kalyan Yojana (BSKY)?
BSKY is the flagship universal health scheme of the Government of Odisha. It has integrated with Ayushman Bharat (PMJAY) to provide cashless healthcare to the majority of families in the state.
2. Is it true that women get a ₹10 lakh health cover in Odisha?
Yes, this is a unique and key feature of the BSKY scheme. While the annual family cover is ₹5 lakh, this limit is extended to ₹10 lakh for any treatment required by a woman member of the beneficiary family.
3. How do I get a BSKY Nabin Card?
The BSKY Nabin Card is the smart health card for the scheme. The government conducts distribution drives at the local level (GP/Ward). You can get your card by completing a simple e-KYC process at these designated centers.
4. Are major hospitals like SCB Cuttack and AIIMS Bhubaneswar covered?
Yes, all government medical colleges and hospitals, including premier institutions like SCB Medical College in Cuttack and AIIMS Bhubaneswar, are part of the BSKY network and provide cashless treatment to beneficiaries.
5. Do I need to pay any money to get a BSKY card or for treatment?
No. The BSKY scheme is completely free for all eligible beneficiaries. There are no premiums, registration fees, or charges for the card. All covered treatments at network hospitals are 100% cashless.