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Bihar Swasthya Bima Yojana 2024|| Apply Online

The Chief Minister of Bihar, Nitish Kumar, recently announced the launch of Bihar Swasthya Bima Yojana 2024. This new health insurance scheme aims to provide cashless treatment up to Rs 5 lakhs annually to around 58 lakh underprivileged families in the state. The initiative was approved in a cabinet meeting on February 20, 2024. It will benefit all ration card holders and help them avail free medical facilities.

Bihar Swasthya Bima Yojana 2024

Here are some key highlights of the Bihar Swasthya Bima Yojana 2024:

  • It will provide health insurance cover of Rs 5 lakhs per year to poor families
  • Around 58 lakh families will benefit from this scheme
  • All ration card holders in Bihar can avail this insurance
  • Treatment will be provided free of cost at selected hospitals
  • Online application process will be launched soon
  • Scheme will be implemented across the state of Bihar

This insurance scheme will help provide financial aid to poor families during medical emergencies. With treatment costs rising, many poor households struggle to afford quality healthcare. This scheme aims to eliminate that barrier.

Key Features

Some major features of the Bihar Health Insurance Scheme 2024 are:

  • Cashless treatment at listed hospitals - No payment is required at the time of admission
  • Coverage of pre and post-hospitalization expenses
  • Coverage of treatment cost, medicines, diagnostics, etc.
  • All ration card holders are eligible to apply
  • No restriction on family size or age
  • Online enrollment process to be launched soon
Benefits Details
Insurance Cover Up to Rs 5 lakhs per year
Cashless Treatment At listed hospitals
Pre-existing Diseases Covered
Premium None - Fully sponsored by state govt

This scheme aims to provide universal health coverage to the poor and needy residents of Bihar. By removing financial barriers, it will ensure citizens can access quality healthcare services.

Eligibility Criteria

The eligibility criteria to enroll under Bihar Swasthya Bima Yojana 2024 are straightforward:

  • Applicant must be a permanent resident of Bihar
  • All ration card holders are eligible
  • No income restriction - Covers all BPL families
  • Families not covered under Ayushman Bharat can also apply

Therefore, this scheme aims to cover all economically weaker sections and low-income households with health insurance protection.

Enrollment Process

The government will soon launch an online portal for families to enroll under this scheme. The application process is expected to be simple with minimal documentation. The steps to register will be:

  1. Visit the Bihar Swasthya Bima Yojana portal
  2. Provide basic personal details
  3. Enter ration card number
  4. Upload ID proof copies
  5. Submit the online application
  6. Receive health insurance e-card on registered mobile no. and email ID

This easy enrollment process will help take the benefits of the scheme to the grassroots level. There will also be helpdesks opened at hospitals and PHCs to assist people.


For smooth implementation, the Bihar government will empanel both private and public hospitals to provide treatment under this scheme. Patients can check the list of network hospitals on the portal. The government will closely monitor the rollout and gauge the benefits achieved through periodic audits and reviews.

Overall, the Bihar Health Insurance Scheme 2024 aims to provide universal healthcare and health security for the poor and vulnerable sections. By investing in improving healthcare access, the scheme underscores the government's commitment to public welfare.


The Bihar Swasthya Bima Yojana 2024 is a pioneering scheme that can transform healthcare access for the poor. By providing free treatment and medicines, it will prove beneficial for lakhs of families who cannot afford expensive private treatment. The cashless and paperless model will eliminate delays and harassment faced by citizens. Effective implementation could lead it to become a role model for providing universal health coverage across India.


Q: Who is eligible for Bihar Health Insurance Scheme?

A: All ration card holders in Bihar can avail the benefits of this scheme.

Q: What is the insurance cover provided?

A: The scheme provides cashless health insurance of up to Rs 5 lakhs per family per year.

Q: Is there any premium or cost to enroll?

A: No, the scheme is completely free and the premium is borne by the state government.

Q: What documents are required for enrollment?

A: Ration card number and ID proof like Aadhaar card are required.

Q: How can one apply for this health insurance scheme?

A: People can apply through the online portal that will be launched soon by the Bihar government.

Q: Are pre-existing conditions covered under this policy?

A: Yes, pre-existing illnesses are covered without any waiting period under this scheme.


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