{"id":1857,"date":"2026-11-05T19:49:11","date_gmt":"2026-11-05T19:49:11","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1857"},"modified":"2026-11-13T11:46:38","modified_gmt":"2026-11-13T11:46:38","slug":"blog-health-insurance-shaheed-veer-narayan-singh-ayushman-swasthya-yojana-chhattisgarh","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-shaheed-veer-narayan-singh-ayushman-swasthya-yojana-chhattisgarh\/","title":{"rendered":"What is the Shaheed Veer Narayan Singh Ayushman Swasthya Yojana in Chhattisgarh?"},"content":{"rendered":"<table>\n<thead>\n<tr>\n<th><b>QUICK GIST<\/b><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">The Shaheed Veer Narayan Singh Ayushman Swasthya Yojana is Chhattisgarh&#8217;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 \u20b95 lakh per family per year. Other ration card families, including APL or general card holders, get up to \u20b950,000 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.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>Chhattisgarh&#8217;s Ayushman Swasthya Yojana: \u20b95 Lakh or \u20b950,000, and Why Your Ration Card Colour Decides<\/b><\/h2>\n<h3><b>Same state, two very different covers<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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 \u20b95 lakh a year. The other, with a general APL card, has \u20b950,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That&#8217;s deliberate. The scheme puts the most money where the need is greatest. But it means an APL family&#8217;s cover can run out with a single surgery, and many families don&#8217;t realise that until they&#8217;re at the billing counter.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The good news: Chhattisgarh covers APL families too, so almost every ration card holder has some cashless cover. Here&#8217;s how the scheme works and how to plan around both limits.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Running a business in Bhilai while your parents depend on a \u20b950,000 card in Bilaspur?<\/b><span style=\"font-weight: 400;\"> Let&#8217;s plan the gap together. <\/span><a href=\"https:\/\/www.coversure.in\/?utm_source=blog&amp;utm_medium=website&amp;utm_campaign=blog&amp;utm_id=1#bookacall\"><span style=\"font-weight: 400;\">Book a call with us<\/span><\/a><span style=\"font-weight: 400;\">. Easier than finding parking near Jaistambh Chowk.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>What the scheme covers<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The Shaheed Veer Narayan Singh Ayushman Swasthya Yojana works alongside Ayushman Bharat PM-JAY in Chhattisgarh.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Ration card type<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Cover per family per year<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Antyodaya and Priority (and PM-JAY families)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u20b95 lakh<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Other ration card families (APL \/ general)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u20b950,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cashless treatment<\/b><span style=\"font-weight: 400;\"> at empanelled government and private hospitals.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ayushman e-card required<\/b><span style=\"font-weight: 400;\"> for cashless treatment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No premium<\/b><span style=\"font-weight: 400;\"> for families.<\/span><\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<th><b>Got a private policy you&#8217;ve never read past the first page?<\/b> <a href=\"https:\/\/www.coversure.in\/knowyourpolicy\"><span style=\"font-weight: 400;\">Know Your Policy<\/span><\/a><span style=\"font-weight: 400;\"> breaks it down into benefits, limits, waiting periods and exclusions. Especially useful if your family is in the \u20b950,000 slab.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>How to get your card and use it<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Carry two documents:<\/b><span style=\"font-weight: 400;\"> your Aadhaar card and your family ration card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Visit an empanelled hospital.<\/b><span style=\"font-weight: 400;\"> Affiliated hospitals can generate your Ayushman card free of cost.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Complete verification.<\/b><span style=\"font-weight: 400;\"> Your details are checked against your ration card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get treated cashless.<\/b><span style=\"font-weight: 400;\"> Show your card at admission for covered treatment.<\/span><\/li>\n<\/ol>\n<p><b>Tip:<\/b><span style=\"font-weight: 400;\"> Call the helpline before a planned admission to confirm cashless services are running at your chosen hospital.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Helplines: <\/span><b>104<\/b><span style=\"font-weight: 400;\"> (state health) and <\/span><b>14555<\/b><span style=\"font-weight: 400;\"> (national). State Nodal Agency: <\/span><b>0771-4095198<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Want the official word?<\/b><span style=\"font-weight: 400;\"> Check the <\/span><a href=\"https:\/\/govthealth.cg.gov.in\/sna\/\"><span style=\"font-weight: 400;\">Chhattisgarh State Nodal Agency&#8217;s health portal<\/span><\/a><span style=\"font-weight: 400;\"> for hospitals, updates and contact details. It&#8217;s more reliable than the auto driver&#8217;s opinion, however confident he sounds.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Family split between Chhattisgarh, Odisha and Madhya Pradesh?<\/b><span style=\"font-weight: 400;\"> The <\/span><a href=\"https:\/\/unfold.coversure.in\/state-health-schemes\"><span style=\"font-weight: 400;\">CoverSure State Health Scheme Calculator<\/span><\/a><span style=\"font-weight: 400;\"> lines up all three in seconds.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Before you rely on the card<\/b><\/h3>\n<p><b>Check your card category.<\/b><span style=\"font-weight: 400;\"> The difference between \u20b95 lakh and \u20b950,000 comes down to your ration card type. Make sure it&#8217;s correct and current.<\/span><\/p>\n<p><b>\u20b950,000 goes fast.<\/b><span style=\"font-weight: 400;\"> For APL families, one surgery with a few ICU days can exhaust the year&#8217;s limit.<\/span><\/p>\n<p><b>No e-card, no cashless.<\/b><span style=\"font-weight: 400;\"> Get your Ayushman card made before a planned admission, not on the day.<\/span><\/p>\n<p><b>Admissions only.<\/b><span style=\"font-weight: 400;\"> Routine OPD visits and standalone tests aren&#8217;t covered.<\/span><\/p>\n<p><b>Confirm the hospital first.<\/b><span style=\"font-weight: 400;\"> Not every hospital is empanelled, and arrangements can change. A quick call to 104 can save a wasted trip.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Bought a private plan for your parents and never checked it again?<\/b><span style=\"font-weight: 400;\"> A <\/span><a href=\"https:\/\/policycheck.coversure.in\/?utm_source=blog&amp;utm_medium=website&amp;utm_campaign=blog&amp;utm_id=1\"><span style=\"font-weight: 400;\">Policy Health Check<\/span><\/a><span style=\"font-weight: 400;\"> reviews it across 30+ parameters for \u20b999, benchmarked against 1,500+ plans. For APL families on \u20b950,000, the right private plan can make a big difference.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Ayushman card, ration card, LIC policy and a bike insurance renewal you forgot about?<\/b> <a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Add your state scheme to your CoverSure insurance portfolio<\/span><\/a><span style=\"font-weight: 400;\"> and keep them together with reminders. Switch on <\/span><a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Family Share<\/span><\/a><span style=\"font-weight: 400;\"> so family can find the card fast.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>The scheme vs a private health plan<\/b><\/h3>\n<p><b>What the scheme does well<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u20b95 lakh free<\/b><span style=\"font-weight: 400;\"> for Antyodaya, Priority and PM-JAY families.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Some cover for APL families,<\/b><span style=\"font-weight: 400;\"> at no cost.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Quick card creation<\/b><span style=\"font-weight: 400;\"> at empanelled hospitals with just Aadhaar and a ration card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Government and private hospitals<\/b><span style=\"font-weight: 400;\"> in the network.<\/span><\/li>\n<\/ul>\n<p><b>Where a private plan usually adds more<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Much higher cover<\/b><span style=\"font-weight: 400;\"> than \u20b950,000 for APL families.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Wider hospital choice,<\/b><span style=\"font-weight: 400;\"> including big city hospitals that may not be empanelled.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Actual bills paid,<\/b><span style=\"font-weight: 400;\"> subject to policy terms.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Restoration, cumulative bonus and add-ons.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tax benefit<\/b><span style=\"font-weight: 400;\"> under Section 80D in the old tax regime (please verify current limits).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For \u20b95 lakh families, the scheme is a solid base. For \u20b950,000 families, a private plan or super top-up is worth serious thought if it fits your budget.<\/span><\/p>\n<h3><b>How far does \u20b950,000 go?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Meet the Sahus (a hypothetical APL family; numbers are illustrative). They live in Durg.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Event (hypothetical)<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Cost<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Paid by the scheme<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Paid by the family<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Father&#8217;s gallbladder surgery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b945,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b945,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b90<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mother&#8217;s admission for dengue later that year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b930,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b95,000 (limit reached)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b925,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Two fairly common hospital stays, and the family is paying out of pocket by mid-year.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Is your family under-covered?<\/b><span style=\"font-weight: 400;\"> The <\/span><a href=\"https:\/\/www.coversure.in\/riskcalculator\"><span style=\"font-weight: 400;\">CoverRisk Calculator<\/span><\/a><span style=\"font-weight: 400;\"> weighs your income, life stage, dependants and liabilities and tells you if you&#8217;re underinsured, overinsured or balanced. Free and quick.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Who is eligible?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Residents of Chhattisgarh with a valid ration card.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Antyodaya and Priority ration card families,<\/b><span style=\"font-weight: 400;\"> and families eligible under PM-JAY: up to \u20b95 lakh a year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Other ration card families<\/b><span style=\"font-weight: 400;\"> (APL \/ general): up to \u20b950,000 a year.<\/span><\/li>\n<\/ul>\n<p><b>Documents:<\/b><span style=\"font-weight: 400;\"> Aadhaar card and ration card.<\/span><\/p>\n<h3><b>At a glance<\/b><\/h3>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Detail<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Shaheed Veer Narayan Singh Ayushman Swasthya Yojana (Chhattisgarh)<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Earlier name<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Dr Khubchand Baghel Swasthya Sahayata Yojana (renamed June 2024)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Run by<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Government of Chhattisgarh, through the State Nodal Agency<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Linked with<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ayushman Bharat PM-JAY<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cover<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b95 lakh (Antyodaya, Priority, PM-JAY families); \u20b950,000 (other ration card families)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Premium<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Card<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ayushman e-card, made free at empanelled hospitals<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Documents<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Aadhaar and ration card<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Main limitations<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Low \u20b950,000 cap for APL families, no OPD, e-card required, empanelled hospitals only<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Helplines<\/span><\/td>\n<td><span style=\"font-weight: 400;\">104 \/ 14555; State Nodal Agency 0771-4095198<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Official website<\/span><\/td>\n<td><a href=\"https:\/\/govthealth.cg.gov.in\/sna\/\"><span style=\"font-weight: 400;\">govthealth.cg.gov.in\/sna<\/span><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Want the short version? Swipe it.<\/b><span style=\"font-weight: 400;\"> The scheme&#8217;s two cover levels and card steps, in a quick LinkedIn carousel. <\/span><a href=\"https:\/\/www.linkedin.com\/posts\/coversurein_shaheed-veer-narayan-singh-ayushman-swasthya-activity-7475570974545993728-EJuv?utm_source=li_share&amp;utm_content=feedcontent&amp;utm_medium=g_dt_web&amp;utm_campaign=copy\"><span style=\"font-weight: 400;\">Swipe through it on CoverSure&#8217;s LinkedIn<\/span><\/a><span style=\"font-weight: 400;\"> and share it with the cousin who thinks his APL card covers &#8220;everything&#8221;.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Quick answers (FAQs)<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What is the new name of the Khubchand Baghel Yojana?<\/b><span style=\"font-weight: 400;\"> Shaheed Veer Narayan Singh Ayushman Swasthya Yojana, since June 2024.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>How much cover do Priority card families get?<\/b><span style=\"font-weight: 400;\"> Up to \u20b95 lakh per family per year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>How much cover do APL families get?<\/b><span style=\"font-weight: 400;\"> Up to \u20b950,000 per family per year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What documents are needed?<\/b><span style=\"font-weight: 400;\"> Aadhaar and your ration card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Where do I get my Ayushman card made?<\/b><span style=\"font-weight: 400;\"> At an empanelled hospital, free of cost.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is OPD covered?<\/b><span style=\"font-weight: 400;\"> No, only hospital admissions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is there a premium?<\/b><span style=\"font-weight: 400;\"> No.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>&#8220;Hey Google, what&#8217;s the Chhattisgarh health helpline?&#8221;<\/b><span style=\"font-weight: 400;\"> Call 104.<\/span><\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th><b>The scheme handles the hospital. CoverSure handles everything around it.<\/b> <a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Download the CoverSure app<\/span><\/a><span style=\"font-weight: 400;\"> for one-place policy storage, <\/span><a href=\"https:\/\/www.coversure.in\/insurance-renewal\"><span style=\"font-weight: 400;\">renewal<\/span><\/a><span style=\"font-weight: 400;\"> reminders and <\/span><a href=\"https:\/\/www.coversure.in\/SoS\"><span style=\"font-weight: 400;\">SOS<\/span><\/a><span style=\"font-weight: 400;\"> alerts.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p><span style=\"font-weight: 400;\">Next up: Meghalaya. <\/span><a href=\"https:\/\/coversure.onelink.me\/40Yt\/blog\"><span style=\"font-weight: 400;\">Subscribe to the CoverSure newsletter<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>QUICK GIST The Shaheed Veer Narayan Singh Ayushman Swasthya Yojana is Chhattisgarh&#8217;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 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1858,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[124],"class_list":["post-1857","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-state-health-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Shaheed Veer Narayan Singh Ayushman Yojana: CG Health Cover<\/title>\n<meta name=\"description\" content=\"Chhattisgarh&#039;s health scheme gives Antyodaya and Priority card families \u20b95 lakh, and other ration card families \u20b950,000 a year. 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