Shaheed Veer Narayan Singh Ayushman Swasthya Yojana, formerly known as Dr Khubchand Baghel Swasthya Sahayata Yojana (DKBSSY), is the flagship health assurance scheme of the Government of Chhattisgarh. The State Nodal Agency, Health and Family Welfare Department, implements the scheme and provides cashless treatment of up to Rs. 5 lakh per family per year to Priority and Antyodaya Ration Card holders. In contrast, eligible General Ration Card families receive coverage of Rs. 50,000 per family per year. Beneficiaries can avail treatment at more than 1,600 empanelled government and private hospitals across India.
Chhattisgarh Shaheed Veer Narayan Singh Ayushman Swasthya Yojana Highlights | |
|---|---|
| Scheme Name | Shaheed Veer Narayan Singh Ayushman Swasthya Yojana |
| Former Name | Dr Khubchand Baghel Swasthya Sahayata Yojana (DKBSSY) |
| Renamed On | 21 June 2024 |
| Named After | Shaheed Veer Narayan Singh, tribal freedom fighter of Chhattisgarh |
| Implementing Department | Health and Family Welfare Department, Government of Chhattisgarh |
| Implementing Agency | State Nodal Agency (SNA), Chhattisgarh |
| Implementation Model | Trust-based model with no commercial insurance intermediary |
| Budget Allocation (FY 2025-26) | Rs. 1,500 crore |
| Coverage for Priority and Antyodaya Families | Up to Rs. 5 lakh per family per year (family floater) |
| Coverage for General Ration Card Families | Up to Rs. 50,000 per family per year (family floater) |
| Pre-existing Diseases | Covered without any waiting period |
| Post-discharge Medicines | Free for up to 15 days, as per scheme guidelines |
| Treatment Availability | Empanelled hospitals across India |
| Empanelled Hospitals | More than 1,600 government and private hospitals |
| Eligibility Basis | Valid Chhattisgarh Ration Card |
| Application Process | No separate application; registration is completed at the empanelled hospital |
| Registration Fee | Free of cost, including e-Card generation and printing |
| Hospital Assistance | Ayushman Mitra is available at every empanelled hospital |
| Hospital Claim Settlement | Within 30 days through electronic transfer |
| Integrated Schemes | RSBY, Mukhyamantri Swasthya Bima Yojana, Sanjeevani Sahayata Kosh, CM Bal Hriday Suraksha Yojana and Chirayu |
| Additional Support for Rare Diseases | Mukhyamantri Vishesh Swasthya Sahayata Yojana (MVSSY) provides financial assistance of up to Rs. 25 lakh for eligible cases |
| Health Helpline | 104 (Toll-Free) |
| SNA Phone | 0771-4095198 |
| SNA Email | snachhattisgarh@cg.gov.in |
| Office Address | Health Bhawan, 4th Floor, Sector 19, North Block, Nava Raipur, Atal Nagar, Chhattisgarh |
| Official Scheme Portal | State Nodal Agency Portal |
| Health Department Website | Health and Family Welfare Department, Chhattisgarh |
Introduction of Chhattisgarh Shaheed Veer Narayan Singh Ayushman Swasthya Yojana: A Brief Insight
Medical emergencies can place an enormous financial burden on families. A major surgery, cancer treatment, or prolonged hospitalisation often forces people to borrow money or sell their assets. To ensure that eligible families receive quality healthcare without worrying about treatment costs, the Government of Chhattisgarh introduced the Dr Khubchand Baghel Swasthya Sahayata Yojana. Later, on 21 June 2024, the Government officially renamed the scheme as Shaheed Veer Narayan Singh Ayushman Swasthya Yojana in honour of tribal freedom fighter Shaheed Veer Narayan Singh.
The State Nodal Agency, Health and Family Welfare Department, implements the scheme through a trust-based model, where the Government directly settles approved treatment costs with empanelled hospitals. Over the years, several state health schemes have been brought under this integrated healthcare system to provide beneficiaries with a single, streamlined cashless treatment facility.
Under the scheme, Priority and Antyodaya Ration Card holder families receive cashless treatment of up to Rs. 5 lakh per family every year. In contrast, eligible General Ration Card families receive health coverage of up to Rs. 50,000 per year. The scheme covers thousands of medical and surgical procedures, including cancer treatment, heart surgery, dialysis, joint replacement, neurosurgery, maternity care, and several other specialised treatments. It also covers pre-existing diseases from the very beginning, and eligible beneficiaries receive prescribed medicines for up to 15 days after discharge.
Beneficiaries can avail treatment at more than 1,600 empanelled government and private hospitals across India. There is no separate application form for the scheme. Eligible families only need to visit an empanelled hospital with their valid Chhattisgarh Ration Card and Aadhaar Card. The Ayushman Mitra available at the hospital completes the verification, generates the e-Card free of cost, and assists the beneficiary throughout the cashless treatment process.
If the cost of treatment exceeds the available health cover, eligible families can also apply for the Mukhyamantri Vishesh Swasthya Sahayata Yojana (MVSSY), which provides additional financial assistance for notified rare and critical diseases. Families can also learn about the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY), the Central Government’s flagship health insurance scheme, and senior citizens aged 70 years or above can explore the Ayushman Vay Vandana Card Yojana for additional health coverage.
To discover more healthcare, welfare, and financial assistance programmes offered by the state, visit our List of Welfare Schemes of Chhattisgarh Government page.
Benefits Provided to Eligible Beneficiaries
Eligible families under the Shaheed Veer Narayan Singh Ayushman Swasthya Yojana receive comprehensive cashless healthcare benefits at empanelled hospitals across India.
Cashless Health Coverage
- Priority and Antyodaya Ration Card families receive cashless treatment of up to Rs. 5 lakh per family per year on a family floater basis.
- Eligible General Ration Card families receive cashless treatment of up to Rs. 50,000 per family per year.
- Beneficiaries receive treatment without paying hospitalisation expenses at empanelled hospitals, as per the approved package rates.
- All eligible pre-existing diseases are covered without any waiting period.
- Hospitals provide prescribed medicines for up to 15 days after discharge, as per scheme guidelines.
- Beneficiaries can avail treatment at empanelled hospitals across India under the portability facility.
- More than 1,600 government and private hospitals are empanelled under the scheme.
Major Treatments Covered
- Cardiac procedures, including angioplasty, bypass surgery, pacemaker implantation, and treatment for congenital heart diseases.
- Cancer treatment, including surgery, chemotherapy, and radiotherapy.
- Kidney-related treatments, including dialysis and other nephrology services.
- Brain and spine surgeries under neurosurgery packages.
- Orthopaedic procedures such as joint replacement, fracture management, trauma care, and polytrauma treatment.
- High-risk pregnancy management, neonatal intensive care (NICU), and newborn care services.
- Treatment for major burn injuries.
- Several general and specialised surgical procedures are covered under approved treatment packages.
Additional Benefits
- A separate Ayushman e-Card is generated for every eligible family member.
- Registration and e-Card generation are provided free of cost.
- An Ayushman Mitra is available at every empanelled hospital to assist beneficiaries throughout the treatment process.
- Hospitals accredited under NABH or NQAS receive additional incentives under the scheme to encourage quality healthcare services.
- If the treatment cost for an eligible rare or critical disease exceeds the available health cover, the case may be considered under the Mukhyamantri Vishesh Swasthya Sahayata Yojana (MVSSY), subject to the prescribed eligibility and approval process.
Health Schemes Integrated into This Programme
- Rashtriya Swasthya Bima Yojana (RSBY)
- Mukhyamantri Swasthya Bima Yojana
- Sanjeevani Sahayata Kosh
- Mukhyamantri Bal Hriday Suraksha Yojana
- Rashtriya Bal Swasthya Karyakram (Chirayu)
Eligibility Conditions Required to be Fulfilled
To receive cashless treatment under the Shaheed Veer Narayan Singh Ayushman Swasthya Yojana, applicants must fulfil the following eligibility conditions prescribed by the Health and Family Welfare Department, Government of Chhattisgarh.
- Must be a permanent resident of Chhattisgarh.
- Must possess a valid Chhattisgarh Ration Card issued by the Food, Civil Supplies and Consumer Protection Department.
- The amount of health coverage depends on the category of the ration card held by the family.
Health Coverage Based on Ration Card Category
| Ration Card Category | Annual Health Coverage |
|---|---|
| Priority Ration Card, Antyodaya Ration Card and eligible SECC deprived families | Up to Rs. 5 lakh per family on a family floater basis |
| Eligible General Ration Card families | Up to Rs. 50,000 per family on a family floater basis |
Who Is Not Eligible
- People who are not permanent residents of Chhattisgarh.
- Applicants without a valid Chhattisgarh Ration Card.
- Patients seeking treatment at hospitals that are not empanelled under the scheme.
- Treatments and medical procedures that are not included in the approved package list.
Treatments Not Covered Under the Scheme
- Treatments that do not require hospital admission.
- Cosmetic or aesthetic procedures that are not medically necessary.
- In Vitro Fertilisation (IVF) treatment.
- Treatments under AYUSH systems such as Ayurveda, Yoga, Unani, Siddha, and Homoeopathy.
Documents Required to be Attached
Keep the following documents ready while registering or availing treatment under the Shaheed Veer Narayan Singh Ayushman Swasthya Yojana.
- Valid Chhattisgarh Ration Card.
- Aadhaar Card.
- Mobile number linked with Aadhaar.
- Government-issued photo identity proof, if required.
Note: Registration and Ayushman e-Card generation are provided free of cost under the scheme.
How Beneficiaries Can Avail the Benefit of this Scheme
You do not need to submit a separate application to avail benefits under the Shaheed Veer Narayan Singh Ayushman Swasthya Yojana. If your family is eligible, simply visit an empanelled hospital with the required documents. The hospital’s Ayushman Mitra will complete the registration and help you throughout the treatment process.
Step 1: Visit any empanelled government or private hospital covered under the scheme. You can check the list of empanelled hospitals on the Official State Nodal Agency portal.
Step 2: Carry your Chhattisgarh Ration Card and Aadhaar Card to the Ayushman Mitra desk. If you already have an Ayushman Card, present it during verification.
Step 3: The Ayushman Mitra verifies your identity through Aadhaar authentication or other approved verification methods and generates your Ayushman e-Card free of cost, if it has not already been created.
Step 4: After registration, the doctor examines your medical condition and confirms whether the required treatment is covered under the scheme. If approval is required, the hospital submits the necessary request to the State Nodal Agency.
Step 5: Once the request is approved, the hospital starts your cashless treatment. You do not have to pay for services covered under the approved treatment package.
Step 6: After your treatment is completed, the hospital provides the discharge summary and prescribed medicines, wherever applicable under the scheme. The hospital also submits the claim directly to the State Nodal Agency for settlement.
Step 7: If the estimated treatment cost exceeds the available health cover because of a notified rare or critical disease, ask the hospital about the Mukhyamantri Vishesh Swasthya Sahayata Yojana (MVSSY), which provides additional financial assistance for eligible cases.
If you need any assistance, contact the Ayushman Mitra at the hospital, call the health helpline 104, or visit the nearest Chief Medical and Health Officer (CMHO) office.
Shaheed Veer Narayan Singh Ayushman Swasthya Yojana vs Mukhyamantri Vishesh Swasthya Sahayata Yojana: What Is the Difference?
Both schemes are implemented by the Government of Chhattisgarh, but they serve different purposes. While the Shaheed Veer Narayan Singh Ayushman Swasthya Yojana covers routine hospitalisation and a wide range of approved treatments, the Mukhyamantri Vishesh Swasthya Sahayata Yojana (MVSSY) provides additional financial assistance for notified rare and critical diseases. The comparison below makes the difference easy to understand.
| Feature | Shaheed Veer Narayan Singh Ayushman Swasthya Yojana | Mukhyamantri Vishesh Swasthya Sahayata Yojana (MVSSY) |
|---|---|---|
| Purpose | Cashless treatment for approved medical and surgical procedures | Additional financial assistance for notified rare and critical diseases |
| Maximum Coverage | Up to Rs. 5 lakh per family per year (Priority/Antyodaya) and up to Rs. 50,000 for eligible General Ration Card families | Up to Rs. 25 lakh per family |
| Eligible Beneficiaries | Eligible Chhattisgarh Ration Card holder families | Priority and Antyodaya Ration Card holder families |
| Treatment Covered | Hospitalisation under approved treatment packages | Selected rare diseases, organ transplants and other approved high-cost treatments |
| Referral Requirement | Not required in normal cases | Referral from a Government Medical College Hospital is mandatory |
| Approval Process | As per the standard hospital authorisation process | Approval by the State Technical Committee or Medical Review Board |
| Application Process | Registration is completed at the empanelled hospital through the Ayushman Mitra | The application is submitted jointly by the patient and the treating hospital |
| Official Portal | State Nodal Agency Portal | MVSSY Application Portal |
In simple terms, the Shaheed Veer Narayan Singh Ayushman Swasthya Yojana is the primary health coverage scheme for eligible families in Chhattisgarh. If the treatment involves a notified rare or critical disease and the available health cover is not sufficient, eligible patients may receive additional financial assistance under the Mukhyamantri Vishesh Swasthya Sahayata Yojana (MVSSY), subject to the prescribed eligibility and approval process.
Important Links Available
- Shaheed Veer Narayan Singh Ayushman Swasthya Yojana Portal
- Health and Family Welfare Department, Chhattisgarh
- Ayushman Bharat PM-JAY Portal
Contact Details in Case of Help Needed
- Department: State Nodal Agency (SNA), Health and Family Welfare Department, Government of Chhattisgarh
- Address: Health Bhawan, 4th Floor, Sector 19, North Block, Nava Raipur, Atal Nagar, Chhattisgarh
- Phone: 0771-4095198
- Toll-Free Helpline: 104
- Email: snachhattisgarh@cg.gov.in
- Official Website: State Nodal Agency Portal
- Local Assistance: Visit the Chief Medical and Health Officer (CMHO) office in your district for scheme-related assistance and the list of empanelled hospitals.
- Hospital Assistance: Contact the Ayushman Mitra at any empanelled hospital for beneficiary verification, e-Card generation, and treatment guidance.
Frequently Asked Questions (FAQs)
Q. What is the Shaheed Veer Narayan Singh Ayushman Swasthya Yojana?
Ans. Shaheed Veer Narayan Singh Ayushman Swasthya Yojana is the flagship health assurance scheme of the Government of Chhattisgarh. It provides cashless treatment of up to Rs. 5 lakh per family per year to eligible Priority and Antyodaya Ration Card families and up to Rs. 50,000 per family per year to eligible General Ration Card families at empanelled hospitals across India.
Q. Is this scheme different from Dr Khubchand Baghel Swasthya Sahayata Yojana?
Ans. No. It is the same scheme. The Government of Chhattisgarh renamed Dr Khubchand Baghel Swasthya Sahayata Yojana as Shaheed Veer Narayan Singh Ayushman Swasthya Yojana on 21 June 2024. The benefits and implementation framework continue under the new name.
Q. Who can avail the benefits of this scheme?
Ans. Permanent residents of Chhattisgarh who hold a valid State Ration Card are eligible. The amount of health coverage depends on the category of the ration card held by the family.
Q. How much health coverage is available?
Ans. Priority and Antyodaya Ration Card families receive cashless treatment of up to Rs. 5 lakh per family per year. In contrast, eligible General Ration Card families receive coverage of up to Rs. 50,000 per family per year.
Q. Do I need to submit an online application?
Ans. No. There is no separate online application process. Visit any empanelled hospital with your Ration Card and Aadhaar Card. The Ayushman Mitra available at the hospital will complete the beneficiary verification and registration process.
Q. Is the Ayushman e-Card mandatory?
Ans. Yes. The Ayushman e-Card is used to identify beneficiaries and avail cashless treatment. If you do not already have one, it can be generated free of cost at the empanelled hospital.
Q. Can I receive treatment outside Chhattisgarh?
Ans. Yes. Eligible beneficiaries can avail of cashless treatment at empanelled hospitals across India under the portability feature of the scheme.
Q. Are pre-existing diseases covered?
Ans. Yes. Eligible beneficiaries can avail treatment for pre-existing diseases without any waiting period, subject to the approved treatment packages.
Q. What if my treatment cost is more than the available coverage?
Ans. If the treatment relates to a notified rare or critical disease, the hospital may recommend your case under the Mukhyamantri Vishesh Swasthya Sahayata Yojana (MVSSY), which provides additional financial assistance for eligible cases as per the scheme guidelines.
Q. Will I receive medicines after discharge?
Ans. Yes. The hospital provides prescribed medicines for up to 15 days after discharge, wherever applicable under the scheme.
Q. How can I find an empanelled hospital?
Ans. You can check the list of empanelled hospitals on the State Nodal Agency portal or contact the Ayushman Mitra at your nearest government hospital.
Q. Can I avail of treatment without an Aadhaar Card?
Ans. Aadhaar is generally used for beneficiary verification. If Aadhaar is unavailable, the hospital may verify your identity using another valid Government-issued photo identity document as per the applicable guidelines.
Q. What treatments are not covered?
Ans. Treatments that are not included in the approved package list, cosmetic procedures, IVF, and treatments that do not require hospitalisation are not covered under the scheme.
Q. How can I file a complaint or seek assistance?
Ans. You can call the health helpline 104, contact the State Nodal Agency at 0771-4095198, email snachhattisgarh@cg.gov.in, or visit the Chief Medical and Health Officer (CMHO) office in your district.
Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.