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| The Shaheed Veer Narayan Singh Ayushman Swasthya Yojana is Chhattisgarh’s main health assistance scheme. It was earlier called the Dr Khubchand Baghel Swasthya Sahayata Yojana and was renamed in June 2024. Your ration card decides your cover. Antyodaya and Priority ration card families, along with PM-JAY families, get cashless treatment of up to ₹5 lakh per family per year. Other ration card families, including APL or general card holders, get up to ₹50,000 per family per year. Treatment is cashless at empanelled government and private hospitals, and an Ayushman e-card is required. You need only your Aadhaar and ration card to get the card made, often at the hospital itself. The state health helpline is 104, and the State Nodal Agency can be reached at 0771-4095198. |
Chhattisgarh’s Ayushman Swasthya Yojana: ₹5 Lakh or ₹50,000, and Why Your Ration Card Colour Decides
Same state, two very different covers
In Chhattisgarh, two neighbours on the same street in Raipur can have very different health safety nets. One with a Priority ration card has up to ₹5 lakh a year. The other, with a general APL card, has ₹50,000.
That’s deliberate. The scheme puts the most money where the need is greatest. But it means an APL family’s cover can run out with a single surgery, and many families don’t realise that until they’re at the billing counter.
The good news: Chhattisgarh covers APL families too, so almost every ration card holder has some cashless cover. Here’s how the scheme works and how to plan around both limits.
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What the scheme covers
The Shaheed Veer Narayan Singh Ayushman Swasthya Yojana works alongside Ayushman Bharat PM-JAY in Chhattisgarh.
| Ration card type | Cover per family per year |
|---|---|
| Antyodaya and Priority (and PM-JAY families) | Up to ₹5 lakh |
| Other ration card families (APL / general) | Up to ₹50,000 |
- Cashless treatment at empanelled government and private hospitals.
- Ayushman e-card required for cashless treatment.
- No premium for families.
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How to get your card and use it
- Carry two documents: your Aadhaar card and your family ration card.
- Visit an empanelled hospital. Affiliated hospitals can generate your Ayushman card free of cost.
- Complete verification. Your details are checked against your ration card.
- Get treated cashless. Show your card at admission for covered treatment.
Tip: Call the helpline before a planned admission to confirm cashless services are running at your chosen hospital.
Helplines: 104 (state health) and 14555 (national). State Nodal Agency: 0771-4095198.
| Want the official word? Check the Chhattisgarh State Nodal Agency’s health portal for hospitals, updates and contact details. It’s more reliable than the auto driver’s opinion, however confident he sounds. |
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Before you rely on the card
Check your card category. The difference between ₹5 lakh and ₹50,000 comes down to your ration card type. Make sure it’s correct and current.
₹50,000 goes fast. For APL families, one surgery with a few ICU days can exhaust the year’s limit.
No e-card, no cashless. Get your Ayushman card made before a planned admission, not on the day.
Admissions only. Routine OPD visits and standalone tests aren’t covered.
Confirm the hospital first. Not every hospital is empanelled, and arrangements can change. A quick call to 104 can save a wasted trip.
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The scheme vs a private health plan
What the scheme does well
- ₹5 lakh free for Antyodaya, Priority and PM-JAY families.
- Some cover for APL families, at no cost.
- Quick card creation at empanelled hospitals with just Aadhaar and a ration card.
- Government and private hospitals in the network.
Where a private plan usually adds more
- Much higher cover than ₹50,000 for APL families.
- Wider hospital choice, including big city hospitals that may not be empanelled.
- Actual bills paid, subject to policy terms.
- Restoration, cumulative bonus and add-ons.
- Tax benefit under Section 80D in the old tax regime (please verify current limits).
For ₹5 lakh families, the scheme is a solid base. For ₹50,000 families, a private plan or super top-up is worth serious thought if it fits your budget.
How far does ₹50,000 go?
Meet the Sahus (a hypothetical APL family; numbers are illustrative). They live in Durg.
| Event (hypothetical) | Cost | Paid by the scheme | Paid by the family |
|---|---|---|---|
| Father’s gallbladder surgery | ₹45,000 | ₹45,000 | ₹0 |
| Mother’s admission for dengue later that year | ₹30,000 | ₹5,000 (limit reached) | ₹25,000 |
Two fairly common hospital stays, and the family is paying out of pocket by mid-year.
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Who is eligible?
- Residents of Chhattisgarh with a valid ration card.
- Antyodaya and Priority ration card families, and families eligible under PM-JAY: up to ₹5 lakh a year.
- Other ration card families (APL / general): up to ₹50,000 a year.
Documents: Aadhaar card and ration card.
At a glance
| Detail | Shaheed Veer Narayan Singh Ayushman Swasthya Yojana (Chhattisgarh) |
|---|---|
| Earlier name | Dr Khubchand Baghel Swasthya Sahayata Yojana (renamed June 2024) |
| Run by | Government of Chhattisgarh, through the State Nodal Agency |
| Linked with | Ayushman Bharat PM-JAY |
| Cover | ₹5 lakh (Antyodaya, Priority, PM-JAY families); ₹50,000 (other ration card families) |
| Premium | None |
| Card | Ayushman e-card, made free at empanelled hospitals |
| Documents | Aadhaar and ration card |
| Main limitations | Low ₹50,000 cap for APL families, no OPD, e-card required, empanelled hospitals only |
| Helplines | 104 / 14555; State Nodal Agency 0771-4095198 |
| Official website | govthealth.cg.gov.in/sna |
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Quick answers (FAQs)
- What is the new name of the Khubchand Baghel Yojana? Shaheed Veer Narayan Singh Ayushman Swasthya Yojana, since June 2024.
- How much cover do Priority card families get? Up to ₹5 lakh per family per year.
- How much cover do APL families get? Up to ₹50,000 per family per year.
- What documents are needed? Aadhaar and your ration card.
- Where do I get my Ayushman card made? At an empanelled hospital, free of cost.
- Is OPD covered? No, only hospital admissions.
- Is there a premium? No.
- “Hey Google, what’s the Chhattisgarh health helpline?” Call 104.
| The scheme handles the hospital. CoverSure handles everything around it. Download the CoverSure app for one-place policy storage, renewal reminders and SOS alerts. |
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