Bihar Health Insurance Scheme Apply Online & Application Form | Bihar Health Insurance Scheme Check Beneficiary Category & Last Date | Bihar Health Insurance Scheme Check Benefits & Features | Bihar Health Insurance Scheme Check Selection & Implementation Procedure | Bihar Health Insurance Scheme Check Eligibility & All Details | 

A government initiative, the Bihar Health Insurance Scheme seeks to guarantee that every Bihari citizen has access to high-quality medical care. The program, which was introduced with the intention of giving vulnerable groups in society financial protection, provides a number of services and benefits to qualified individuals and families. The main characteristics and regulations of the Bihar Health Insurance Scheme will be discussed in this article.

This article will provide all types of information about the Bihar Health Insurance Scheme 2024 like purpose, Eligibility Criteria, Benefits, Features, important documents, etc. We will also share the process to apply online for this scheme. To get complete information about this scheme, read this article till the end.

Bihar Health Insurance Scheme          

The government of Bihar introduced the Bhishtachar Mukti Yojana, also known as the Bihar Health Insurance Scheme, to address the difficulties the impoverished population faced in accessing healthcare services. The program’s objective is to lessen the financial burden of healthcare costs by offering qualified beneficiaries financial assistance for hospital stays and medical treatments. The government subsidizes the insurance coverage’s premiums, making it affordable for qualified individuals and families.

Eligible individuals and families receive a health insurance card under the Bihar Health Insurance Scheme, which enables them to receive cashless treatment at hospitals and healthcare facilities that are affiliated with the scheme. The program ensures that beneficiaries have access to essential healthcare services without facing financial barriers by covering a broad range of medical treatments and procedures. The beneficiaries’ insurance coverage is provided by a number of insurance companies that work together to implement the scheme.

Highlights of Bihar Health Insurance Scheme 2024

The highlights of this scheme are as follows:- 

Objectives of Bihar Health Insurance Scheme 2024

The Bihar Health Insurance Scheme has several key objectives:-

• To provide financial protection to vulnerable sections of society and reduce out-of-pocket healthcare expenses.
• To ensure access to quality healthcare services for all residents of Bihar.
• To reduce the financial burden on families during medical emergencies and hospitalizations.
• To promote preventive healthcare practices and encourage regular health check-ups.
• The scheme aims to achieve these objectives by providing comprehensive health insurance coverage to eligible beneficiaries, thereby enabling them to avail necessary healthcare services without facing financial difficulties.

Beneficiary Category 

The Bihar Health Insurance Scheme is open to various categories of beneficiaries, including:-

• Below Poverty Line (BPL) families
• Marginalized communities
• Construction workers
• Small and marginal farmers
• Landless laborers
• Domestic workers

These categories of beneficiaries are eligible to apply for the Bihar Health Insurance Scheme and avail the benefits offered under the scheme.

Application Enrollment Last Dates

The government announces specific enrollment periods for individuals to apply for the Bihar Health Insurance Scheme. It is important for eligible beneficiaries to apply within the specified dates to ensure their inclusion in the scheme. The enrollment last dates are communicated through various channels, including government websites, local authorities, and health centers.

Selection Procedure 

The selection of beneficiaries under the Bihar Health Insurance Scheme is done through a transparent and systematic procedure. The government authorities verify the eligibility of applicants based on the specified criteria, such as income level, occupation, and social category. Once the verification process is completed, eligible individuals and families are issued health insurance cards, enabling them to avail the benefits of the scheme.

Implementation Procedure 

The implementation of the Bihar Health Insurance Scheme involves collaboration between the government, insurance companies, and healthcare providers. The government identifies and empanels hospitals and healthcare facilities that meet the required standards. These empanelled facilities provide cashless treatment to the beneficiaries, and the insurance companies reimburse the expenses incurred by the hospitals.

Supervision Body 

The Bihar Health Insurance Scheme is supervised by a designated authority, which ensures the smooth implementation and functioning of the scheme. This authority monitors the empanelled hospitals, insurance companies, and the overall performance of the scheme. Any grievances or issues faced by the beneficiaries are addressed by the supervision body, ensuring transparency and accountability.

Cashless Treatment

Under the Scheme, individuals can avail cashless treatment at empanelled hospitals and healthcare facilities. This means that policyholders do not have to pay for their medical expenses upfront. Instead, the insurance company directly settles the bills with the hospital, making healthcare more accessible and convenient.

No Cap on Room Rent

Unlike many other health insurance schemes, the Scheme does not impose any restrictions or caps on room rent. This ensures that policyholders can choose the type of accommodation they prefer without worrying about exceeding any limits set by the insurance provider. This flexibility allows individuals to receive the best possible care without any financial constraints.

Family Coverage

The Scheme offers coverage for the entire family. This means that not only the policyholder but also their spouse, children, and dependent parents can benefit from the scheme. This comprehensive coverage ensures that the health needs of the entire family are taken care of, providing peace of mind to the policyholder.

Pre-existing Conditions

Unlike many other health insurance schemes that exclude coverage for pre-existing conditions, the Scheme covers such conditions from day one. This is a significant advantage for individuals with chronic illnesses or medical conditions, as they can receive the necessary medical treatment without any financial burden.

Maternity Benefits

Pregnant women and new mothers can avail maternity benefits under the Scheme. This includes coverage for prenatal care, childbirth expenses, and postnatal care. By providing financial support during this crucial phase of life, the scheme aims to ensure the well-being of both mother and child.

Outpatient Services

The Scheme also covers outpatient services, including consultations, diagnostic tests, and medications. This enables individuals to seek medical care without being admitted to a hospital. By including outpatient services, the scheme promotes preventive healthcare and early detection of illnesses.

Organ Transplant Coverage

Individuals requiring organ transplants can benefit from the Scheme. The scheme covers the expenses associated with organ transplantation, including the cost of the transplant surgery, post-operative care, and follow-up consultations. This coverage ensures that individuals in need of life-saving organ transplants can access the necessary treatment without financial constraints.

Mental Health Coverage

The Scheme recognizes the importance of mental health and provides coverage for mental healthcare services. This includes consultations with psychiatrists, psychologists, and other mental health professionals, as well as the cost of medications prescribed for mental health conditions. By including mental health coverage, the scheme aims to address the growing need for mental healthcare in the state.

Dialysis Coverage

Individuals requiring dialysis can avail coverage for this life-sustaining treatment under the Scheme. The scheme covers the cost of dialysis sessions, ensuring that individuals with kidney failure can access the necessary treatment without financial burden. This coverage provides much-needed support to those undergoing regular dialysis.

Ayurvedic and Homeopathic Treatments

The Scheme recognizes the importance of traditional forms of medicine and includes coverage for Ayurvedic and Homeopathic treatments. Ayurveda and Homeopathy have been practiced for centuries and are known for their holistic approach to healthcare. By including these treatments in the insurance scheme, individuals can now avail the benefits of these alternative therapies without worrying about the financial burden.

Emergency Ambulance Services

During medical emergencies, timely transportation to a healthcare facility can make a significant difference in saving lives. The Scheme provides coverage for emergency ambulance services, ensuring that individuals in need of immediate medical attention can receive timely transportation to the nearest hospital. This service is particularly crucial in remote areas where access to medical facilities may be limited.

Telemedicine Services

Telemedicine has emerged as a valuable tool in healthcare delivery, especially in rural areas where access to specialized medical professionals is limited. The Scheme recognizes the importance of telemedicine and includes coverage for teleconsultations. This means that individuals can now consult with doctors remotely, saving time and travel expenses while still receiving quality medical advice and treatment.

Health Check-ups

Preventive healthcare plays a vital role in early detection and effective management of diseases. The Scheme offers coverage for regular health check-ups, encouraging individuals to prioritize their well-being and detect any potential health issues at an early stage. These check-ups can help in the early diagnosis of diseases, leading to timely intervention and improved health outcomes.

Insurance Card

The Scheme provides individuals with an insurance card, which serves as proof of their coverage under the scheme. This card simplifies the process of availing healthcare services, as individuals can present it at the designated healthcare facilities to receive the necessary medical care. The insurance card ensures that individuals have easy access to healthcare facilities without having to worry about the financial aspects.

Key Guidelines 

The key guidelines are as follows:- 

• Beneficiaries must possess a valid health insurance card to avail the benefits of the scheme.
• The scheme covers a wide range of medical treatments and procedures, including hospitalization expenses, surgeries, and diagnostic tests.
• Beneficiaries can avail cashless treatment at empanelled hospitals and healthcare facilities.
• The scheme provides coverage for pre-existing conditions, subject to certain conditions.
• Beneficiaries must renew their health insurance cards annually to continue availing the benefits of the scheme.
• The scheme also covers transportation expenses for availing medical treatments at empanelled hospitals.
• Beneficiaries can seek assistance from the designated authorities in case of any grievances or issues.
• Empanelled hospitals are required to maintain high-quality standards and provide necessary healthcare services to beneficiaries.
• The scheme promotes the use of generic medicines to reduce healthcare costs.
• Beneficiaries are encouraged to undergo regular health check-ups and adopt preventive healthcare practices.

Important Instructions 

Some important instructions issued for applicants are as follows:- 

• Beneficiaries must carry their health insurance cards at all times.
• Any changes in personal details, such as address or contact information, must be promptly updated with the designated authorities.
• Beneficiaries should follow the prescribed procedures while availing medical treatments at empanelled hospitals.
• It is important to report any fraudulent activities or misuse of the health insurance card.
• Beneficiaries should cooperate with the designated authorities for verification and documentation purposes.
• Any grievances or issues should be reported to the supervision body for timely resolution.
• Beneficiaries should maintain a record of their medical treatments and expenses for future reference.
• It is advisable to seek clarification from the designated authorities regarding any queries or concerns.
• Beneficiaries are encouraged to provide feedback on the quality of healthcare services received.
• Strict adherence to the guidelines and instructions of the scheme is essential for a smooth and effective implementation.

Tips & Tricks

Some tips and tricks are as follows:-

• Stay updated with the latest information and announcements regarding the scheme.
• Choose empanelled hospitals and healthcare facilities that offer quality services.
• Keep track of the enrollment last dates to ensure timely application.
• Regularly check the validity of the health insurance card and renew it on time.
• Follow preventive healthcare practices to reduce the risk of illnesses.
• Utilize the coverage for regular health check-ups to detect any health issues at an early stage.
• Seek assistance from the designated authorities in case of any difficulties or concerns.
• Report any fraudulent activities or misuse of the health insurance card.
• Encourage others in the community to avail the benefits of the scheme.
• Spread awareness about the Bihar Health Insurance Scheme among eligible individuals and families.

General Points to Remember

Some general points to remember are as follows:-

• The scheme aims to provide financial protection and access to quality healthcare services for all residents of Bihar.
• Eligible beneficiaries must apply within the specified enrollment last dates.
• The scheme covers a wide range of medical treatments and procedures, ensuring comprehensive coverage.
• Empanelled hospitals provide cashless treatment to beneficiaries, reducing the financial burden.
• Regular renewals of the health insurance card are necessary to continue availing the benefits of the scheme.
• Beneficiaries should follow the guidelines and instructions of the scheme for a smooth implementation.
• Any grievances or issues should be reported to the designated authorities for timely resolution.
• By utilizing the benefits of the Bihar Health Insurance Scheme, individuals and families can ensure access to affordable healthcare services.
• Regular communication and awareness about the scheme are essential for its successful implementation.
• The government is committed to improving the healthcare infrastructure and services in Bihar through such initiatives.

Benefits of Bihar Health Insurance Scheme 2024

The benefits of this scheme are as follows:-

• Access to quality healthcare: The Bihar Health Insurance Scheme provides beneficiaries with access to quality healthcare services at empanelled hospitals and healthcare facilities.
• Financial protection: The scheme provides financial protection to beneficiaries by covering the cost of medical treatments, surgeries, and other healthcare services.
• Cashless treatment: Under the scheme, beneficiaries can avail cashless treatment at empanelled hospitals, eliminating the need for out-of-pocket expenses.
• Coverage for pre-existing diseases: The scheme covers pre-existing diseases and provides financial assistance to beneficiaries for the treatment of chronic illnesses.
• Maternity benefits: The scheme provides coverage for maternity care, including prenatal and postnatal care, delivery, and related services.
• Coverage for senior citizens: The scheme provides coverage for senior citizens, ensuring that they have access to healthcare services without financial burden.
• Outpatient services: The scheme covers outpatient services, including doctor consultations, diagnostic tests, and medications.
• Emergency medical care: The scheme provides coverage for emergency medical care, ensuring that beneficiaries receive timely treatment in case of a medical emergency.
• Mental health coverage: The scheme covers mental health services, including counseling, therapy, and psychiatric care.
• Coverage for children: The scheme provides coverage for children, ensuring that they have access to healthcare services for preventive and curative care.
• Preventive care: The scheme emphasizes preventive care, including regular health check-ups, screenings, and vaccinations to promote good health and well-being.
• Health education and awareness: The scheme focuses on health education and awareness programs to promote healthy lifestyle practices and preventive healthcare measures.
• Rehabilitation services: The scheme provides coverage for rehabilitation services, including physical therapy, occupational therapy, and speech therapy for beneficiaries recovering from illnesses or injuries.
• Transparency and accountability: The scheme operates with transparency and accountability, ensuring that beneficiaries receive timely and quality healthcare services as per the guidelines of the scheme.
• Support for marginalized communities: The scheme aims to support marginalized communities and vulnerable population groups by providing them with access to healthcare services and financial protection against health-related expenses.

Features Of Bihar Health Insurance Scheme 2024

The features of this scheme are as follows:-

• Comprehensive coverage: The Bihar Health Insurance Scheme 2024 offers extensive coverage for a wide range of medical treatments and procedures.
• Cashless treatment: The scheme provides cashless treatment facility at empanelled hospitals and healthcare facilities.
• No cap on room rent: There is no cap on room rent for patients availing treatment under the scheme.
• Family coverage: The scheme covers all family members of the beneficiary, including parents, spouse, and children.
• Pre-existing conditions: Pre-existing conditions are covered under the scheme, with no waiting period for coverage.
• Maternity benefits: The scheme provides coverage for maternity expenses, including prenatal care, delivery, and postnatal care.
• Outpatient services: Outpatient services such as consultations, diagnostic tests, and medication are also covered under the scheme.
• Organ transplant coverage: The scheme provides coverage for organ transplant surgeries, including donor expenses.
• Mental health coverage: Mental health treatments and therapies are covered under the scheme.
• Dialysis coverage: Dialysis treatments are covered under the scheme, with no limit on the number of sessions.
• Ayurvedic and Homeopathic treatments: The scheme covers Ayurvedic and Homeopathic treatments in addition to allopathic treatments.
• Emergency ambulance services: The scheme provides coverage for emergency ambulance services for transportation to the hospital.
• Telemedicine services: Telemedicine consultations and follow-up appointments are covered under the scheme.
• Health check-ups: The scheme provides coverage for routine health check-ups and screenings.
• Insurance card: Beneficiaries receive an insurance card that can be presented at empanelled hospitals for quick and easy access to cashless treatment.

Bihar Health Insurance Scheme Eligibility Criteria 

The applicants will need to follow the below-mentioned points to apply online for this scheme:-

• The beneficiary must be a resident of Bihar.
• The beneficiary must be below the poverty line or from economically weaker sections of society.
• The beneficiary must not already be covered under any other health insurance scheme.
• The beneficiary must not have any government job or pension.
• The beneficiary must not have any taxable income.
• The beneficiary must not be a member of any corporate organization.
• The beneficiary must not have any pre-existing health conditions.

Important Documents 

Some of the important documents required to apply online for this scheme are as follows:-

• Aadhar Card
• Residence Certificate
• Income Certificate 
• Educational Certificates 
• Bank Account Details 
• Latest Passport Size Photos 
• Mobile No
• Email ID 

Bihar Health Insurance Scheme Apply Online 2024

The applicants will need to follow the below-mentioned points to apply online:- 

• Go to the official website of the Bihar Health Department.
• On the home page, click on the “Apply” option.
• Select the hospital where you want to get your treatment.
• Fill out the application form with the required information.
• Upload the required documents.
• Click on the “Submit” button.
• Pay the application fee.
• Save the application receipt for future reference.

Bihar Health Insurance Scheme: Top 10 FAQs

Here are some general FAQs that might be applicable to Bihar’s health insurance schemes, but please note that specific details might differ depending on the scheme:

1. Who is eligible for the scheme?

• Typically, families residing below the poverty line (BPL) in Bihar are eligible.
• Some schemes might have additional eligibility criteria like age restrictions or specific categories within the BPL population.

2. What kind of medical expenses are covered under the scheme?

• The specific coverage varies depending on the scheme, but it usually includes hospitalization expenses like room rent, doctor’s fees, surgery costs, and medicines.
• Some schemes might also cover pre-hospitalization and post-hospitalization expenses.

3. How much is the premium amount?

• The premium is usually subsidized by the government for BPL families, and they might only need to pay a token amount.
• The exact premium amount can differ depending on the scheme and family composition.

4. How to register for the scheme?

• The registration process might involve contacting the concerned authorities, visiting designated enrollment centers, or registering online (if available).
• Each scheme might have a specific registration process, so it’s best to check with the concerned department for details.

5. Where can I get treatment under the scheme?

• The scheme usually covers treatment in empanelled hospitals, both government and private, within the state.
• A list of empanelled hospitals is usually available on the scheme’s website or from the concerned authorities.

6. How to avail cashless treatment under the scheme?

• You will need to present your health insurance card issued under the scheme at the empanelled hospital.
• The hospital will then contact the insurance company for claim authorization.
• If approved, you can receive cashless treatment up to the specified limits.

7. What are the documents required for availing benefits?

• This typically includes your health insurance card, a valid ID proof, and any medical documents required by the hospital.

8. What are the claim settlement procedures?

• The claim settlement process varies depending on the insurance company and the type of claim (cashless or reimbursement).
• It’s advisable to consult the scheme guidelines or contact the insurance company for detailed information.

9. What are the benefits of the scheme?

• Provides financial protection against the high costs of medical treatment.
• Encourages people to seek timely medical care.
• Reduces the financial burden on families, especially those belonging to underprivileged sections.

10. Where can I find more information about the scheme?

• It’s crucial to specify the exact scheme you’re interested in.
• You can usually find information on the official website of the concerned department (e.g., Department of Health, Bihar), the insurance company involved, or relevant news articles.
• Additionally, you can contact your local authorities or visit designated enrollment centers for further details and assistance.