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| The Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY) is Jharkhand’s flagship health scheme, run with Ayushman Bharat. It gives eligible families up to ₹15 lakh of cover per family per year on a floater basis, with no cap on family size. Families with Red/Pink, Yellow or Green ration cards under the National or Jharkhand State Food Security Act are eligible, along with SECC-identified PM-JAY families. It works in a hybrid mode: the first ₹1 lakh through an insurance company and the rest, up to ₹15 lakh, through the Jharkhand State Arogya Society (JSAS). Beneficiaries also get access to treatment for 21 critical illnesses under the state’s Gambhir Bimari Upchar Yojana. You can download the card online at bis.jharkhand.gov.in using your ration card and Aadhaar, and temporary cards are issued for urgent treatment. |
Abua Swasthya Suraksha Yojana: How Jharkhand’s ₹15 Lakh Health Cover Works for Ration Card Families
One of the biggest numbers in this series
Most state schemes in this series offer ₹5 lakh. A few go to ₹10 lakh. Jharkhand’s Mukhyamantri Abua Swasthya Suraksha Yojana goes to ₹15 lakh per family per year.
And it’s not limited to the poorest of the poor. Families holding Red/Pink, Yellow and even Green ration cards qualify. As per government data, more than 66 lakh families were covered by 2025.
That’s a remarkable safety net. To use it well, though, your ration card and Aadhaar need to match, and you need to know where to go. Here’s the guide.
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What MASSY gives you
| Layer | Cover | Managed by |
|---|---|---|
| First ₹1 lakh | Insurance | National Insurance Company |
| ₹1 lakh to ₹5 lakh | Trust | Jharkhand State Arogya Society |
| ₹5 lakh to ₹15 lakh | Trust | Jharkhand State Arogya Society |
- Up to ₹15 lakh per family per year, floater basis.
- No cap on family size.
- Access to treatment for 21 critical illnesses under the state’s Gambhir Bimari Upchar Yojana.
- Temporary cards for urgent treatment, based on your ration card.
- No premium for families.
| Have a private policy too? Know Your Policy breaks it down into plain language: benefits, limits, waiting periods and exclusions. With ₹15 lakh from the state, you might need a very different private plan. |
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How to get your Abua health card
- Visit the state portal at bis.jharkhand.gov.in.
- Search using your ration card number. The portal shows family members listed on the card.
- Match your Aadhaar. If your ration card and Aadhaar details match, you can download the card right away.
- Fix mismatches. If details don’t match, you won’t be able to download the card immediately. Correct them first.
- Use the card at an empanelled hospital.
Helpline: 14555 (national).
| Want to download your card now? Head to the official Jharkhand beneficiary portal. Faster than chasing your mukhiya for a list. |
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| Family split between Jharkhand, Bihar and Odisha? The CoverSure State Health Scheme Calculator compares all three. |
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What to keep in mind
Your ration card is the key. Only members listed on the ration card can get a health card. Add new members, like a newborn or daughter-in-law, to the ration card first.
Aadhaar must match. Mismatched names or details block instant card downloads.
Hospital stays only. The scheme is built around secondary and tertiary care packages, not routine OPD.
Check the hospital. Cashless treatment works at hospitals empanelled under the scheme. Confirm before planned treatment.
Government employees use a separate scheme. State employees and pensioners have their own health insurance arrangement.
| Paying for a private plan as well as holding an Abua card? A Policy Health Check reviews it across 30+ parameters for ₹99, against 1,500+ plans. With ₹15 lakh from the state, your private plan may need a new role. |
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MASSY vs a private health plan
What MASSY does well
- ₹15 lakh per family, among the highest state limits in this series.
- Wide eligibility across Red/Pink, Yellow and Green ration cards.
- No cap on family size.
- Temporary cards for urgent treatment.
Where a private plan usually adds more
- Open to families without eligible ration cards.
- Wider hospital choice, including large private hospitals outside the network.
- Room choice, restoration and cumulative bonus.
- Actual bills paid, subject to terms, instead of package rates.
- Tax benefit under Section 80D in the old tax regime (please verify current limits).
With ₹15 lakh in place, many Jharkhand families don’t need more cover for big bills. A private plan becomes more about choice and comfort.
Where ₹15 lakh still leaves gaps
Meet the Mundas (a hypothetical family; numbers are illustrative). They live near Khunti.
| Situation (hypothetical) | Covered? |
|---|---|
| Father’s cancer treatment at an empanelled Ranchi hospital, ₹6 lakh | Yes |
| Daughter’s surgery at a non-empanelled private hospital | No |
| New daughter-in-law not yet added to the ration card | Not until she’s added |
| Regular OPD visits for Grandmother’s diabetes | Mostly outside the scheme |
The gaps here are about paperwork and hospital choice, not the amount.
| Under-covered or over-covered? The CoverRisk Calculator weighs your income, life stage, dependants and liabilities and tells you where you stand. Free and quick. |
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Who is eligible?
- Families with Red/Pink, Yellow or Green ration cards under the National or Jharkhand State Food Security Act.
- SECC 2011-identified PM-JAY families.
Documents: Aadhaar (linked with the ration card) and ration card.
At a glance
| Detail | Mukhyamantri Abua Swasthya Suraksha Yojana (Jharkhand) |
|---|---|
| Run by | Jharkhand State Arogya Society (State Health Agency) |
| Linked with | Ayushman Bharat PM-JAY |
| Cover | Up to ₹15 lakh per family per year, floater |
| Model | First ₹1 lakh via insurer; rest via JSAS trust |
| Who qualifies | Red/Pink, Yellow and Green ration card families; SECC families |
| Families covered | About 66 lakh (per 2025 government data) |
| Extras | 21 critical illnesses via Gambhir Bimari Upchar Yojana; temporary cards for urgent care |
| Premium | None |
| Main limitations | Ration card and Aadhaar must match, empanelled hospitals only, no routine OPD |
| Helpline | 14555 |
| Official website | bis.jharkhand.gov.in |
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Quick answers (FAQs)
- What is MASSY? Jharkhand’s health scheme, giving eligible families up to ₹15 lakh cashless cover a year.
- Which ration cards are eligible? Red/Pink, Yellow and Green cards under the National or State Food Security Act.
- How do I download the Abua health card? At bis.jharkhand.gov.in, using your ration card number and Aadhaar.
- What if my Aadhaar and ration card don’t match? You’ll need to correct the details before downloading.
- Is there a family size limit? No.
- Can I get treated urgently without a card? Temporary cards are issued for urgent treatment based on your ration card.
- Is there a premium? No.
- “Hey Google, what’s the Ayushman helpline?” Call 14555.
| Abua handles the hospital. CoverSure handles the rest. Download the CoverSure app for policy storage, renewal reminders and SOS alerts. |
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