Benefit Amount
Up to Rs. 5 lakh per family per yearInsurance
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ℹAbout Pradhan Mantri Swasthya Suraksha Yojana
Pradhan Mantri Swasthya Suraksha Yojana (PMSSY) is a Central government health scheme launched in 2003 to provide specialized tertiary care services and augment facilities for quality tertiary care treatment in the country. The scheme aims to correct regional imbalances in the availability of affordable and reliable tertiary care services. It provides health insurance coverage to Below Poverty Line (BPL) families and workers in the unorganized sector. Under this scheme, beneficiaries can avail cashless hospitalization services at empaneled hospitals for treatment of serious illnesses. The scheme covers secondary and tertiary care hospitalization costs, diagnostic procedures, and post-hospitalization follow-up care. It aims to protect families from financial hardship due to health emergencies and ensure access to quality healthcare across India.
Ministry
Ministry of Health and Family Welfare
✓Who Is Eligible?
The Pradhan Mantri Swasthya Suraksha Yojana is open to Below Poverty Line (BPL) families, Above Poverty Line (APL) families, Economically Weaker Sections (EWS), and workers employed in the unorganized sector. The scheme applies across all of India without geographic restrictions, making it accessible to eligible citizens in every state and union territory. There are no specific age limits mentioned, meaning both young and elderly family members can be covered under a single family policy. BPL families with income below the poverty line and APL families with income slightly above the poverty line can enroll, along with self-employed and casual workers in the informal economy who often lack formal health insurance. Workers in unorganized sectors such as agriculture, construction, street vending, and small trades are specifically included in the eligibility criteria. There are no specific caste or gender-based restrictions, ensuring equal access across all communities and for all genders. To apply, beneficiaries must provide proof of their income status through official certificates and valid identification documents. For exact income thresholds and to confirm your specific eligibility status, it is recommended to check the official PMSSY portal at pmssy.gov.in or contact your nearest government health facility.
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Gender: Male, Female, Other📝How to Apply for Pradhan Mantri Swasthya Suraksha Yojana
To apply for the Pradhan Mantri Swasthya Suraksha Yojana, follow these simple steps. First, visit the official website at pmssy.gov.in to access the application portal and download the necessary forms. Second, gather all required documents including your Aadhaar Card, BPL or APL certificate, Voter ID or PAN Card, address proof like a utility bill or ration card, Family ID or Head of Family ID, bank account details, and passport size photographs. Third, fill out the application form completely with accurate information about your family and income status. Fourth, submit the form along with all supporting documents either online through the portal or at your nearest designated government health center or hospital that participates in the scheme. Fifth, your application will be verified by officials who will check your eligibility based on your income and family status. Sixth, once approved, you will receive your insurance coverage details and a card or certificate. Finally, you can use this coverage at any empaneled hospital or AIIMS institution listed under the scheme to avail cashless hospitalization services. For detailed instructions and to check the nearest empaneled hospitals in your area, visit pmssy.gov.in.
Visit Official Portal →📄Documents Required7 required
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BPL Certificate or APL Certificate📋
Voter ID Card or PAN Card📋
Address Proof (Utility Bill or Ration Card)📋
Family ID or Head of Family ID📋
Passport size photographs?Frequently Asked Questions
1Who is eligible under PMSSY?
Below Poverty Line (BPL) families, workers in the unorganized sector, and those identified by state governments are eligible. Each state has its own beneficiary criteria. Eligibility typically includes daily wage workers, self-employed workers, farmers, and economically weaker sections. You must check with your state health authority for specific eligibility criteria.
2What is the insurance coverage amount under this scheme?
The scheme provides cashless hospitalization coverage up to Rs. 5 lakh per family per year. This covers all secondary and tertiary care treatments including diagnostic procedures, surgeries, medications, and post-hospitalization care at empaneled hospitals. Coverage varies based on specific state implementation and benefit package.
3How do I apply for PMSSY coverage?
You can apply through your nearest PMSSY enrollment center or through state health department offices. You need to submit required documents like BPL certificate, Aadhaar, and address proof. Registration is typically free. Once enrolled, you receive a health card that can be used at any empaneled hospital for cashless treatment.
4Which hospitals are covered under PMSSY?
PMSSY covers all AIIMS institutions, PGIMER Chandigarh, and a network of empaneled private and government hospitals across India. Treatment for serious illnesses including cardiac conditions, cancer, neurological conditions, and other tertiary care procedures are covered. A list of empaneled hospitals is available on the official PMSSY website.
5Is there any waiting period before I can use the card?
Once registered and approved, most beneficiaries can use their PMSSY card immediately for emergency care. However, for planned procedures, there may be a waiting period as per state guidelines. It is advisable to contact your nearest health center for specific waiting period details.
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