Abua Swasthya Card 2026: Ration Card Se Milega 15 Lakh Ka Free Ilaaj — Online Apply Kaise Karein (Poori Jankari)
Agar aapke paas Jharkhand ka ration card hai aur aap Ayushman Bharat Yojana ka laabh nahi utha pa rahe hain, toh Jharkhand sarkar aapko ek aisa card de rahi hai jisse aap 15 lakh rupaye tak ka ilaaj bilkul muft karwa sakte hain — kisi bhi empanelled sarkari ya private hospital mein, ek baar bhi pocket se paisa nikale bina. Iska naam hai Mukhyamantri Abua Swasthya Suraksha Yojana Card, yani MASSY Card ya Abua Swasthya Card.
2026 mein is yojana ko aur bhi zyada strong kiya gaya hai. Abhi sirf 4.83 lakh families ne card banwaya hai jabki 33 lakh se zyada families eligible hain — matlab bahut se log hain jo is laabh se abhi tak vanchit hain sirf jankari ki kami ke karan. Is article mein hum aapko puri jankari denge — yojana kya hai, kaun eligible hai, kya documents chahiye, aur step-by-step online apply kaise karein.
Abua Swasthya Card 2026 — Ek Nazar Mein
| Yojana ka Naam | Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY) |
| Launch Date | 28 June 2024, enhanced early 2026 |
| State | Jharkhand |
| Official Portal | bis.jharkhand.gov.in |
| Maximum Coverage | Rs. 15 Lakh per family per year |
| Ayushman vs MASSY | Ayushman Rs. 5 lakh — MASSY Rs. 15 lakh |
| Treatment Type | Cashless aur Paperless |
| Target Beneficiaries | 33.44 lakh families jo Ayushman se bahar hain |
| Health Packages | 2,322 packages — 26 medical specialties |
| Funding Model | Hybrid — Insurance plus Government Assurance |
Yojana Kya Hai — Poori Jankari
Pradhan Mantri Ayushman Bharat Yojana puri country mein lagu hai aur per family Rs. 5 lakh tak ka health cover deti hai. Lekin Jharkhand sarkar ne dekha ki state ki medical zarooraten is se poori nahi ho rahi hain aur kaafi families is scheme se bahar hain. Tab Jharkhand government ne apni khud ki ek zyada powerful scheme launch ki — Mukhyamantri Abua Swasthya Suraksha Yojana.
Is yojana ki sabse badi khasiyat yeh hai ki yahan koi waiting period nahi hai. Private insurance mein pehle se chal rahi bimari ke liye 1-2 saal wait karna padta hai, lekin MASSY mein card bante hi Day 1 se hi coverage shuru ho jaati hai — pre-existing diseases bhi cover hoti hain. Yeh ek bahut badi baat hai unke liye jo pehle se kisi bimari se guzar rahe hain.
Sarkar ek hybrid funding model use karti hai jisme pehle Rs. 1 lakh ka coverage National Insurance Company ke zariye insurance mode mein hota hai, aur uske baad ka Rs. 14 lakh ka coverage seedha state government assurance mode mein hota hai. Isse payment mein koi rukawat nahi aati aur hospital ko time par payment milti hai.
Kya Kya Cover Hota Hai — Treatment aur Packages
Is yojana mein 2,322 Health Benefit Packages (HBPs 2.2) cover hote hain jo 26 alag alag medical specialties mein aate hain. Matlab aam beemari se lekar badi operations tak, bahut kuch is yojana ke under aata hai.
| Category | Kya Cover Hota Hai |
| Cancer Treatment | Sabhi prakar ke cancer — chemotherapy, radiation, surgery |
| Kidney | Kidney transplant, dialysis |
| Heart | Heart surgery, bypass, angioplasty |
| Critical Illness | Pehle MGBUY mein cover hone wali 21 life-threatening bimariyan ab MASSY mein shamil |
| Secondary Care | General surgeries, orthopedic, gynaecology, etc. |
| Tertiary Care | Neuro surgery, organ transplants, advanced procedures |
| Maternity | Delivery aur related complications |
| Day Care | Bina raat ruke hone wali treatments |
Inme se 21 packages sirf state government hospitals ke liye reserved hain aur baaki sabhi empanelled government aur private hospitals mein liya ja sakta hai.
Eligibility — Kaun Apply Kar Sakta Hai
Is yojana ki eligibility conditions bilkul seedhi hain. Agar aap niche diye sab conditions meet karte hain, toh aap is yojana ke haqdar hain:
- Aap Jharkhand ke permanent resident hain
- Aapke paas valid ration card hai — Red/Pink, Yellow, ya Green card (PDS beneficiary)
- Aapka parivar Ayushman Bharat PMJAY scheme mein enrolled nahi hai ya enrollment nahi mili thi
- Aap economically weaker section se hain — income tax nahi dete
- Parivar ka koi bhi member government employee nahi hai
Khas baat yeh hai ki agar aap pehle se Ayushman Bharat ke liye apply kar chuke hain aur card nahi mila, toh bhi aap MASSY ke liye apply kar sakte hain.
Zaroori Documents — Kya Kya Chahiye
- Aadhaar Card — applicant ka, e-KYC ke liye mandatory
- Ration Card — Red, Pink, Yellow ya Green, koi bhi valid hoga
- Resident proof — ration card mein Jharkhand address hoga toh kaafi hai
- Mobile Number — Aadhaar se linked hona chahiye OTP ke liye
- Passport size photo
- Family member details — jo card mein shamil karne hain
Ek zaroori baat: ration card ka Aadhaar link yaani e-KYC pehle aahar.jharkhand.gov.in par hona chahiye. Agar woh nahi hua toh BIS portal par Abua Swasthya Card generate nahi hoga. e-KYC complete hone ke baad Health (BIS) portal par data update hone mein 10 se 15 din lagte hain — tab tak wait karna padega.
Online Apply Kaise Karein — Step by Step Process
Step 1: Pehle Ration Card e-KYC Check Karein
Apply karne se pehle aahar.jharkhand.gov.in par jaayein aur apna PDS e-KYC status check karein. Agar e-KYC pending hai toh wahan complete karein. e-KYC update hone ke baad 10-15 din mein BIS portal par aapka data aata hai — tab aage badhein.
Step 2: BIS Portal Par Jaayein
Official portal bis.jharkhand.gov.in open karein. Yahi woh portal hai jahan se Abua Swasthya Card banaya jaata hai. Home page par Abua Swasthya Card ka option dikhega — uske niche Apply Now par click karein.
Step 3: Ration Card Number Se Login Karein
Apna ration card number enter karein. System aapke ration card se linked data automatically fetch karega — family members ke naam, address sab kuch aa jayega. Aadhaar-linked mobile number par OTP aayega — woh verify karein.
Step 4: Family Members Select Karein
Jo family members Abua Swasthya Card mein shamil karne hain, unhe select karein. Har member ka Aadhaar verification hoga. Jis member ka Aadhaar ration card se link nahi hai, woh is step mein atak sakta hai — isliye pehle sabka e-KYC complete karna zaroori hai.
Step 5: Documents Upload Karein aur Submit Karein
Maange gaye documents — photo, ration card scan — upload karein. Saari details ek baar review karein. Sab theek lage toh Submit button press karein. Application number note kar lein — isse baad mein status track kar sakte hain.
Step 6: Card Download Karein
Application approve hone ke baad BIS portal par hi digital Abua Swasthya Card download kar sakte hain. Yeh card aap print karwa sakte hain ya mobile mein save rakh sakte hain — dono valid hain hospital mein dikhane ke liye.
Offline Apply Ka Option Bhi Hai
Agar online apply karna mushkil lag raha hai toh apne nzdeeki Jan Seva Kendra (CSC) ya Panchayat office par jaayein — wahan operator aapki help karenge. Offline application form wahan milega, bharo aur jama karo — card process ho jayega.
Abua Swasthya Card vs Ayushman Bharat Card — Kya Fark Hai
| Feature | Ayushman Bharat (PMJAY) | Abua Swasthya Card (MASSY) |
| Annual Cover | Rs. 5 Lakh per family | Rs. 15 Lakh per family |
| Coverage Area | Pure India mein valid | Jharkhand ke empanelled hospitals |
| Pre-existing Disease | Covered (kuch cases mein waiting period) | Day 1 se covered, koi waiting period nahi |
| Who Can Get | SECC 2011 data ke hisaab se eligible families | Jo Ayushman se bahar reh gaye aur ration card holders |
| Health Packages | 1,949 packages | 2,322 packages |
| Kahan Apply | Ayushman portal pmjay.gov.in | bis.jharkhand.gov.in |
Hospital Mein Card Kaise Use Karein
Hospital jaane par sabse pehle confirm karein ki woh empanelled hospital hai. bis.jharkhand.gov.in par hospital list available hai ya hospital ke notice board par yeh likha hoga. Empanelled hospital mein jaane par yeh process follow karein:
- Hospital ke MASSY ya Ayushman help desk par jaayein
- Apna Abua Swasthya Card aur Aadhaar dikhayein
- Operator aapka verification karega aur pre-authorization lega
- Aapka ilaaj shuru ho jayega — ek paisa nahi lagega
- Discharge ke waqt bhi kuch nahi dena hoga — hospital seedha government se claim karega
Dhyan rakhein: sirf empanelled hospitals mein hi cashless facility milegi. Agar aap kisi aur hospital mein gaye aur baad mein reimbursement maanga, toh yeh is yojana mein cover nahi hoga. Isliye admission se pehle hospital ka empanelment status zaroor confirm karein.
Ek Zaroori Baat — Ye Galti Mat Karo
Bahut log BIS portal par jaate hain aur unka naam system mein nahi milta. Iska reason yeh hota hai ki ration card ka e-KYC complete nahi hua hota ya aahar portal mein data update hone mein samay laga hota hai. Agar apply karte waqt “record not found” ya “name not matching” error aa raha hai toh:
- Pehle aahar.jharkhand.gov.in par ration card ka e-KYC status check karein
- Agar e-KYC pending hai toh wahan complete karein
- e-KYC hone ke 15 din baad BIS portal dobara try karein
- Agar fir bhi problem ho toh CSC center ya district supply office mein complaint darj karein
Important Links aur Contacts
| Kaam | Link ya Number |
| Online Apply karne ke liye | bis.jharkhand.gov.in |
| Ration Card e-KYC Check | aahar.jharkhand.gov.in |
| Ayushman Bharat Portal | pmjay.gov.in |
| Jharkhand Health Department | health.jharkhand.gov.in |
| National Health Helpline | 14555 |
| Nearest Help | Jan Seva Kendra (CSC) ya Block Development Office |
Aksar Pooche Jaane Wale Sawaal — FAQs
Q1. Abua Swasthya Card ke liye kaise apply karein 2026 mein?
Official portal bis.jharkhand.gov.in par jaayein aur Apply Now for Abua Swasthya Card par click karein. Ration card number enter karein, Aadhaar-linked mobile OTP verify karein, family members select karein, documents upload karein aur submit karein. Card approve hone ke baad portal se hi download ho jaata hai. Offline ke liye nzdeeki CSC center par jaayein.
Q2. Jharkhand Abua Swasthya Card mein kitna cover milta hai?
Mukhyamantri Abua Swasthya Suraksha Yojana ke tahat har parivaar ko saal mein Rs. 15 lakh tak ka cashless ilaaj milta hai. Yeh Ayushman Bharat se teen guna zyada hai. Cancer, kidney transplant, heart surgery, aur 2,322 health packages cover hote hain.
Q3. Abua Swasthya Card banwane ke liye kya ration card hona zaroori hai?
Haan, is yojana ka laabh lene ke liye valid Jharkhand ration card hona zaroori hai — Red/Pink, Yellow ya Green ration card valid hain. Ration card nahi hai toh is yojana mein apply nahi ho sakta.
Q4. BIS portal par record not found error aa raha hai to kya karein?
Iska sabse common reason hai ration card ka e-KYC complete na hona. Pehle aahar.jharkhand.gov.in par PDS e-KYC status check karein. Agar e-KYC naya hua hai toh 10 se 15 din baad BIS portal dobara try karein. Agar tab bhi problem ho toh nzdeeki CSC center ya Block Development Office mein help lein.
Q5. Kya Abua Swasthya Card se private hospital mein ilaaj ho sakta hai?
Haan, lekin sirf un private hospitals mein jahan MASSY ke tahat empanelment hua ho. Admission se pehle hospital se poochh lein ki woh MASSY empanelled hain ya nahi. bis.jharkhand.gov.in par empanelled hospital list bhi available hai.
Q6. Kya pehle se chal rahi bimari bhi Abua Swasthya Card mein cover hoti hai?
Haan, yahi MASSY ki sabse badi khasiyat hai. Card bannte hi Day 1 se pre-existing diseases bhi cover ho jaati hain — private insurance ki tarah koi waiting period nahi hai. Iska matlab hai agar aap pehle se cancer, kidney ya heart problem se guzar rahe hain, tab bhi card banwao aur turant ilaaj shuru karwao.
Q7. Abua Swasthya Card aur Maiya Samman Yojana dono ka ek saath laabh le sakte hain kya?
Haan, dono alag alag yojanayen hain aur dono ke benefits alag hain. Maiya Samman Yojana mein mahilaon ko monthly paisa milta hai jabki Abua Swasthya Card mein health insurance milta hai. Agar aap eligible hain toh dono ke liye apply kar sakte hain — koi conflict nahi hai.
Q8. Abua Swasthya Yojana mein kitne packages cover hote hain?
Mukhyamantri Abua Swasthya Suraksha Yojana mein 2,322 Health Benefit Packages cover hote hain jo 26 alag alag medical specialties mein aate hain. Inme cancer, kidney transplant, heart surgery, neurosurgery, gynaecology, orthopaedic aur bahut kuch shamil hai.
Conclusion — Aaj Hi Card Banwao
Bimari kabhi batake nahi aati. Ek badi surgery ya cancer treatment ka bill aasaani se 5 lakh se 20 lakh tak pahunch jaata hai — jisme ek aam parivar ki sari bachat ek jhatke mein khatam ho sakti hai. Mukhyamantri Abua Swasthya Suraksha Yojana aapko ek 15 lakh rupaye ki financial safety net deti hai — wo bhi bilkul muft, sirf ration card se.
Agar aapke ghar mein koi bhi member pehle se bimar hai ya nahi bhi hai — tab bhi Abua Swasthya Card banwana samajhdari hai. Kab zaroorat pad jaaye koi nahi jaanta. Process simple hai, documents basic hain, aur portal par sab kuch online ho jaata hai.
Apne gaon ya mohalle mein bhi is jankari ko share karein — kitne hi log hain jinhe yeh pata nahi aur woh eligible hain. Koi sawaal ho toh niche comment zaroor karein.
Disclaimer: Yeh article public sources par based information ke liye hai. Exact eligibility aur latest details ke liye hamesha bis.jharkhand.gov.in ya apne district office se confirm karein.
मेरा नाम मोहित कुमार है में इस वेबसाइट का संस्थापक हु और में अपने ब्लॉग वेबसाइट पर भारतीय गवर्नमेंट की नई योजना के बारे में लोगो को जानकारी उपलब्ध करवाता हु ताकि वो उस योजना का लाभ उठा सके।
