{"id":1813,"date":"2026-11-05T08:58:54","date_gmt":"2026-11-05T08:58:54","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1813"},"modified":"2026-11-13T11:46:41","modified_gmt":"2026-11-13T11:46:41","slug":"what-health-cover-does-puducherry-offer","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/what-health-cover-does-puducherry-offer\/","title":{"rendered":"What health cover does Puducherry offer?"},"content":{"rendered":"\n\n\n
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QUICK GIST<\/b><\/h2>\n

Puducherry runs two health covers side by side. Below Poverty Line (BPL) families holding AAY or PHH ration cards get cashless cover of up to \u20b95 lakh per family per year under the AB-PMJAY Convergence Scheme, run in trust mode by the Puducherry State Health Agency with Centre and UT funding in a 60:40 ratio. Residents aged 70 and above get a separate \u20b95 lakh a year under Ayushman Bharat Vay Vandana, regardless of income. In May 2026, the new government extended the Chief Minister\u2019s Health Assurance Scheme to Above Poverty Line (APL) ration card holders, with up to \u20b93 lakh for procedures not available in government hospitals, on a reimbursement basis. BPL families enrol through Aadhaar e-KYC at a Common Service Centre. Helpline: 14555.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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Puducherry\u2019s Health Cover: What Ayushman Bharat and the New \u20b93 Lakh Scheme Cover, Who Gets Them, and Where They Stop<\/b><\/h2>\n

In Puducherry, your ration card picks your health scheme<\/b><\/h3>\n

Most states ask whether you are eligible for a health scheme. Puducherry asks which scheme is yours, and the answer is printed on your ration card.<\/span><\/p>\n

For years, the clear safety net was for Below Poverty Line families. Those holding AAY or PHH ration cards have cashless cover of up to \u20b95 lakh a year under the AB-PMJAY Convergence Scheme. Above Poverty Line families had no state-specific cover of their own. That changed in May 2026, soon after N. Rangasamy was sworn in for a fifth term as Chief Minister. The government extended the Chief Minister\u2019s Health Assurance Scheme to APL ration card holders, with cover of up to \u20b93 lakh.<\/span><\/p>\n

The catch is that the two schemes work differently. One is cashless. The other, as we understand it, works on reimbursement. And there is a third layer for anyone aged 70 and above.<\/span><\/p>\n

So this blog does three things. It sorts the schemes in plain words. It shows you how to enrol and use the card. And it is honest about where a government scheme ends and personal planning begins.<\/span><\/p>\n

Following this from Chennai for your parents in Puducherry? Welcome to the shortest long-distance insurance desk in the country, where the commute is a bus ride and the paperwork is not.<\/span> Book a call with us<\/span><\/a> and we will show you how these schemes fit with whatever cover the family already has. Free advice, zero lectures.<\/span><\/p>\n

What is the Ayushman Bharat PM-JAY scheme in Puducherry, and what is new?<\/b><\/h3>\n

Puducherry\u2019s main health scheme is the AB-PMJAY Convergence Scheme, run in trust mode by the Puducherry State Health Agency. The UT\u2019s own older medical assistance scheme was merged into the central framework in January 2021, so for BPL families there is one scheme to track, not two. Funding is shared between the Centre and the UT in a 60:40 ratio.<\/span><\/p>\n

Here is what is on offer, in short:<\/span><\/p>\n