{"id":1869,"date":"2026-11-06T10:28:24","date_gmt":"2026-11-06T10:28:24","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1869"},"modified":"2026-11-06T10:28:24","modified_gmt":"2026-11-06T10:28:24","slug":"blog-health-insurance-ayushman-bharat-niramayam-madhya-pradesh","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-ayushman-bharat-niramayam-madhya-pradesh\/","title":{"rendered":"What is Ayushman Bharat Niramayam in Madhya Pradesh?"},"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;\">Ayushman Bharat Niramayam is Madhya Pradesh&#8217;s version of Ayushman Bharat PM-JAY, launched on 23 September 2018. It gives eligible families cashless treatment of up to \u20b95 lakh per family per year at empanelled government and private hospitals. MP links eligibility to welfare programmes residents are already part of. Families identified under the SECC census, Samagra beneficiaries and families registered under the Mukhyamantri Jan Kalyan (Sambal) scheme for unorganised workers can all qualify. Registered building and construction workers also get \u20b95 lakh through the Labour Department&#8217;s version of Niramaya. Seniors aged 70 and above are covered under the national Ayushman Vay Vandana card. You can check eligibility at ayushmanbharat.mp.gov.in or on the PM-JAY portal. Bring your Aadhaar and Samagra ID when getting your card.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>Niramayam in Madhya Pradesh: How Your Samagra ID and Sambal Card Unlock \u20b95 Lakh of Health Cover<\/b><\/h2>\n<h3><b>The card you already have might be your ticket<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In Madhya Pradesh, many welfare benefits start with one number: your Samagra ID.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Niramayam, MP&#8217;s version of Ayushman Bharat, plugs into that same system. That means many families are already eligible for \u20b95 lakh of cashless hospital cover without ever applying for a &#8220;health scheme&#8221;.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The catch is that you still need the card made, and your Samagra details need to be correct. Here&#8217;s how it all works.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Bhopal job, Rewa parents, and a Samagra ID nobody&#8217;s updated since the last wedding?<\/b><span style=\"font-weight: 400;\"> We can help you map the family&#8217;s cover. <\/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;\">. Faster than a tiger sighting at Kanha.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>What Niramayam covers<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u20b95 lakh per family per year,<\/b><span style=\"font-weight: 400;\"> floater basis.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cashless treatment<\/b><span style=\"font-weight: 400;\"> at empanelled government and private hospitals, paid on fixed packages.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Follow-up care after discharge<\/b><span style=\"font-weight: 400;\"> is included in packages.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No premium.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Linked to welfare IDs:<\/b><span style=\"font-weight: 400;\"> SECC families, Samagra beneficiaries and Sambal-registered workers.<\/span><\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<th><b>Have a private policy too?<\/b> <a href=\"https:\/\/www.coversure.in\/knowyourpolicy\"><span style=\"font-weight: 400;\">Know Your Policy<\/span><\/a><span style=\"font-weight: 400;\"> translates it into plain language: benefits, limits, waiting periods and exclusions. Useful for spotting what it adds on top of Niramayam.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>How to get your Ayushman card in MP<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Check eligibility<\/b><span style=\"font-weight: 400;\"> at ayushmanbharat.mp.gov.in or the PM-JAY beneficiary portal.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Carry Aadhaar and your Samagra ID.<\/b><span style=\"font-weight: 400;\"> Sambal card holders should carry that too.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Visit an empanelled hospital or CSC.<\/b><span style=\"font-weight: 400;\"> They can generate your card after verification.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Complete e-KYC<\/b><span style=\"font-weight: 400;\"> and collect your card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Show the card at admission<\/b><span style=\"font-weight: 400;\"> for cashless treatment.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Helplines: <\/span><b>1800-233-2085<\/b><span style=\"font-weight: 400;\"> (MP) and <\/span><b>14555<\/b><span style=\"font-weight: 400;\"> (national).<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Want to check your eligibility now?<\/b><span style=\"font-weight: 400;\"> Go to the <\/span><a href=\"https:\/\/ayushmanbharat.mp.gov.in\"><span style=\"font-weight: 400;\">official Ayushman Bharat MP portal<\/span><\/a><span style=\"font-weight: 400;\">. It&#8217;s more reliable than a forwarded &#8220;list&#8221; in the mohalla group.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Family in MP, Chhattisgarh and Rajasthan?<\/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;\"> compares all three.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>What to double-check<\/b><\/h3>\n<p><b>Your Samagra details must be right.<\/b><span style=\"font-weight: 400;\"> If your Samagra family ID has wrong or missing members, card generation can stall. Fix it first.<\/span><\/p>\n<p><b>It isn&#8217;t universal.<\/b><span style=\"font-weight: 400;\"> You need to be in one of the identified groups: SECC, Samagra-linked beneficiaries, Sambal or registered construction workers. Many middle-income families won&#8217;t be.<\/span><\/p>\n<p><b>Construction workers renew yearly.<\/b><span style=\"font-weight: 400;\"> Registration with the building workers&#8217; board must be renewed every year to stay eligible through that route.<\/span><\/p>\n<p><b>Hospital stays only.<\/b><span style=\"font-weight: 400;\"> Routine OPD isn&#8217;t covered.<\/span><\/p>\n<p><b>Empanelled hospitals only.<\/b><span style=\"font-weight: 400;\"> Confirm before planned treatment.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Bought a private plan for your parents years ago?<\/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, against 1,500+ plans. Find out if it still fits, now that they may also have Vay Vandana.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Ayushman card, Sambal card, Samagra slip, LIC papers: MP families collect cards like cricket stickers.<\/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 in one place. Turn 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 the family can find the right card fast.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Niramayam vs a private health plan<\/b><\/h3>\n<p><b>What Niramayam 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 a very wide group of welfare-linked families.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Plugs into IDs people already have,<\/b><span style=\"font-weight: 400;\"> like Samagra and Sambal.<\/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<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Follow-up care<\/b><span style=\"font-weight: 400;\"> included in packages.<\/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>Open to anyone,<\/b><span style=\"font-weight: 400;\"> not just listed welfare groups.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher sums insured<\/b><span style=\"font-weight: 400;\"> beyond \u20b95 lakh.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Actual bills paid,<\/b><span style=\"font-weight: 400;\"> subject to terms, not package rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Room choice, restoration and cumulative bonus.<\/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<h3><b>When \u20b95 lakh is shared by a big family<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Meet the Ahirwars of Sagar (a hypothetical Sambal-registered family; numbers are illustrative). Seven people share one card.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Event in the year (hypothetical)<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Used from the \u20b95 lakh<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Grandfather&#8217;s prostate surgery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91.2 lakh<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Father&#8217;s injury at a construction site<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b92.4 lakh<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mother&#8217;s hysterectomy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b990,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Left for the rest of the year<\/b><\/td>\n<td><b>\u20b950,000<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">And if the grandfather is over 70, a Vay Vandana card could give him separate cover, easing pressure on the family limit.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Under-covered or over-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;\"> looks at your income, life stage, dependants and liabilities and tells you where you stand. Free and quick.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>Who is eligible for Niramayam?<\/b><\/h3>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Group<\/span><\/th>\n<th><span style=\"font-weight: 400;\">How they qualify<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">SECC families<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Identified under the national census used for PM-JAY<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Samagra beneficiaries<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Linked through the state&#8217;s Samagra system<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Sambal-registered families<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unorganised workers registered under the Mukhyamantri Jan Kalyan (Sambal) scheme<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Building and construction workers<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Registered with the MP Building and Other Construction Workers Welfare Board (renewed yearly)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Seniors aged 70+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ayushman Vay Vandana card (national scheme)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Documents:<\/b><span style=\"font-weight: 400;\"> Aadhaar and Samagra ID; Sambal or labour registration where relevant.<\/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;\">Ayushman Bharat Niramayam (Madhya Pradesh)<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Launched<\/span><\/td>\n<td><span style=\"font-weight: 400;\">23 September 2018<\/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 per family per year<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Who qualifies<\/span><\/td>\n<td><span style=\"font-weight: 400;\">SECC, Samagra, Sambal and registered construction worker families; seniors 70+ via Vay Vandana<\/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;\">Documents<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Aadhaar and Samagra ID<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Main limitations<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Welfare-linked eligibility, Samagra data accuracy, no OPD, 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;\">1800-233-2085 \/ 14555<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Official website<\/span><\/td>\n<td><a href=\"https:\/\/ayushmanbharat.mp.gov.in\"><span style=\"font-weight: 400;\">ayushmanbharat.mp.gov.in<\/span><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Swipe-friendly version, coming right up.<\/b><span style=\"font-weight: 400;\"> Niramayam&#8217;s eligibility and card steps in a quick LinkedIn carousel.<\/span><a href=\"https:\/\/www.linkedin.com\/posts\/coversurein_driving-insurance-awareness-across-india-activity-7483128261410156546-wPzJ?utm_source=social_share_send&amp;utm_medium=member_desktop_web&amp;rcm=ACoAADVeF-cBvaVXbnx1zeM_6J_LbP2TEUYe-XI\"><span style=\"font-weight: 400;\"> Swipe through it on CoverSure&#8217;s LinkedIn<\/span><\/a><span style=\"font-weight: 400;\"> and share it with everyone who has a Sambal card but no Ayushman card.<\/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 Niramayam Yojana?<\/b><span style=\"font-weight: 400;\"> Madhya Pradesh&#8217;s version of Ayushman Bharat, giving \u20b95 lakh cashless cover per family per year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Do Sambal card holders get Ayushman in MP?<\/b><span style=\"font-weight: 400;\"> Yes. Sambal beneficiaries are entitled to Niramayam benefits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Do I need a Samagra ID?<\/b><span style=\"font-weight: 400;\"> Carry your Samagra ID and Aadhaar when getting your card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Are construction workers covered?<\/b><span style=\"font-weight: 400;\"> Yes, if registered with the state construction workers&#8217; board.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Are seniors covered?<\/b><span style=\"font-weight: 400;\"> People aged 70+ can get the national Ayushman Vay Vandana card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is OPD covered?<\/b><span style=\"font-weight: 400;\"> No.<\/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, how do I check Ayushman eligibility in MP?&#8221;<\/b><span style=\"font-weight: 400;\"> Visit ayushmanbharat.mp.gov.in or call 14555.<\/span><\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th><b>Niramayam handles the hospital. CoverSure handles the rest.<\/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: Jammu and Kashmir. <\/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 Ayushman Bharat Niramayam is Madhya Pradesh&#8217;s version of Ayushman Bharat PM-JAY, launched on 23 September 2018. It gives eligible families cashless treatment of up to \u20b95 lakh per family per year at empanelled government and private hospitals. MP links eligibility to welfare programmes residents are already part of. Families identified under the SECC [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1870,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[124],"class_list":["post-1869","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>Ayushman Bharat Niramayam MP: \u20b95 Lakh Cover via Samagra &amp; Sambal<\/title>\n<meta name=\"description\" content=\"MP&#039;s Niramayam scheme gives eligible families \u20b95 lakh cashless cover a year, linked to Samagra and Sambal. Who qualifies, card steps, pros, gaps.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-ayushman-bharat-niramayam-madhya-pradesh\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Ayushman Bharat Niramayam in Madhya Pradesh?\" \/>\n<meta property=\"og:description\" content=\"MP&#039;s Niramayam scheme gives eligible families \u20b95 lakh cashless cover a year, linked to Samagra and Sambal. 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