{"id":1878,"date":"2026-11-06T11:41:47","date_gmt":"2026-11-06T11:41:47","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1878"},"modified":"2026-11-06T11:41:47","modified_gmt":"2026-11-06T11:41:47","slug":"blog-health-insurance-abua-swasthya-suraksha-yojana-jharkhand","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-abua-swasthya-suraksha-yojana-jharkhand\/","title":{"rendered":"What is the Mukhyamantri Abua Swasthya Suraksha Yojana in Jharkhand?"},"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 Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY) is Jharkhand&#8217;s flagship health scheme, run with Ayushman Bharat. It gives eligible families up to \u20b915 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 \u20b91 lakh through an insurance company and the rest, up to \u20b915 lakh, through the Jharkhand State Arogya Society (JSAS). Beneficiaries also get access to treatment for 21 critical illnesses under the state&#8217;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.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>Abua Swasthya Suraksha Yojana: How Jharkhand&#8217;s \u20b915 Lakh Health Cover Works for Ration Card Families<\/b><\/h2>\n<h3><b>One of the biggest numbers in this series<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Most state schemes in this series offer \u20b95 lakh. A few go to \u20b910 lakh. Jharkhand&#8217;s Mukhyamantri Abua Swasthya Suraksha Yojana goes to \u20b915 lakh per family per year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And it&#8217;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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That&#8217;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&#8217;s the guide.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Ranchi job, Dumka parents, and a ration card with Dadi&#8217;s name spelt three different ways?<\/b><span style=\"font-weight: 400;\"> Let&#8217;s get it sorted.<\/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;\">Quicker than the queue at the block office.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>What MASSY gives you<\/b><\/h3>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Layer<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Cover<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Managed by<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">First \u20b91 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Insurance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">National Insurance Company<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b91 lakh to \u20b95 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Trust<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Jharkhand State Arogya Society<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b95 lakh to \u20b915 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Trust<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Jharkhand State Arogya Society<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Up to \u20b915 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>No cap on family size.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Access to treatment for 21 critical illnesses<\/b><span style=\"font-weight: 400;\"> under the state&#8217;s Gambhir Bimari Upchar Yojana.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Temporary cards for urgent treatment,<\/b><span style=\"font-weight: 400;\"> based on your ration card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No premium for families.<\/b><\/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;\"> breaks it down into plain language: benefits, limits, waiting periods and exclusions. With \u20b915 lakh from the state, you might need a very different private plan.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>How to get your Abua health card<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Visit the state portal<\/b><span style=\"font-weight: 400;\"> at bis.jharkhand.gov.in.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Search using your ration card number.<\/b><span style=\"font-weight: 400;\"> The portal shows family members listed on the card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Match your Aadhaar.<\/b><span style=\"font-weight: 400;\"> If your ration card and Aadhaar details match, you can download the card right away.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fix mismatches.<\/b><span style=\"font-weight: 400;\"> If details don&#8217;t match, you won&#8217;t be able to download the card immediately. Correct them first.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use the card<\/b><span style=\"font-weight: 400;\"> at an empanelled hospital.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Helpline: <\/span><b>14555<\/b><span style=\"font-weight: 400;\"> (national).<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Want to download your card now?<\/b><span style=\"font-weight: 400;\"> Head to the <\/span><a href=\"https:\/\/bis.jharkhand.gov.in\/\"><span style=\"font-weight: 400;\">official Jharkhand beneficiary portal<\/span><\/a><span style=\"font-weight: 400;\">. Faster than chasing your mukhiya for a list.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Family split between Jharkhand, Bihar and Odisha?<\/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 keep in mind<\/b><\/h3>\n<p><b>Your ration card is the key.<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<p><b>Aadhaar must match.<\/b><span style=\"font-weight: 400;\"> Mismatched names or details block instant card downloads.<\/span><\/p>\n<p><b>Hospital stays only.<\/b><span style=\"font-weight: 400;\"> The scheme is built around secondary and tertiary care packages, not routine OPD.<\/span><\/p>\n<p><b>Check the hospital.<\/b><span style=\"font-weight: 400;\"> Cashless treatment works at hospitals empanelled under the scheme. Confirm before planned treatment.<\/span><\/p>\n<p><b>Government employees use a separate scheme.<\/b><span style=\"font-weight: 400;\"> State employees and pensioners have their own health insurance arrangement.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><b>Paying for a private plan as well as holding an Abua card?<\/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. With \u20b915 lakh from the state, your private plan may need a new role.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Abua card, Gambhir Bimari papers, office policy and bike insurance?<\/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. 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 card fast.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n<h3><b>MASSY vs a private health plan<\/b><\/h3>\n<p><b>What MASSY does well<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u20b915 lakh per family,<\/b><span style=\"font-weight: 400;\"> among the highest state limits in this series.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Wide eligibility<\/b><span style=\"font-weight: 400;\"> across Red\/Pink, Yellow and Green ration cards.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No cap on family size.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Temporary cards<\/b><span style=\"font-weight: 400;\"> for urgent treatment.<\/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 families without eligible ration cards.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Wider hospital choice,<\/b><span style=\"font-weight: 400;\"> including large private hospitals outside the network.<\/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>Actual bills paid,<\/b><span style=\"font-weight: 400;\"> subject to terms, instead of package rates.<\/span><\/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;\">With \u20b915 lakh in place, many Jharkhand families don&#8217;t need more cover for big bills. A private plan becomes more about choice and comfort.<\/span><\/p>\n<h3><b>Where \u20b915 lakh still leaves gaps<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Meet the Mundas (a hypothetical family; numbers are illustrative). They live near Khunti.<\/span><\/p>\n<table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Situation (hypothetical)<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Covered?<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Father&#8217;s cancer treatment at an empanelled Ranchi hospital, \u20b96 lakh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Daughter&#8217;s surgery at a non-empanelled private hospital<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">New daughter-in-law not yet added to the ration card<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not until she&#8217;s added<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Regular OPD visits for Grandmother&#8217;s diabetes<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Mostly outside the scheme<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">The gaps here are about paperwork and hospital choice, not the amount.<\/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;\"> weighs 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?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Families with Red\/Pink, Yellow or Green ration cards<\/b><span style=\"font-weight: 400;\"> under the National or Jharkhand State Food Security Act.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>SECC 2011-identified PM-JAY families.<\/b><\/li>\n<\/ul>\n<p><b>Documents:<\/b><span style=\"font-weight: 400;\"> Aadhaar (linked with the ration 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;\">Mukhyamantri Abua Swasthya Suraksha Yojana (Jharkhand)<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Run by<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Jharkhand State Arogya Society (State Health 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;\">Up to \u20b915 lakh per family per year, floater<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Model<\/span><\/td>\n<td><span style=\"font-weight: 400;\">First \u20b91 lakh via insurer; rest via JSAS trust<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Who qualifies<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Red\/Pink, Yellow and Green ration card families; SECC families<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Families covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">About 66 lakh (per 2025 government data)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Extras<\/span><\/td>\n<td><span style=\"font-weight: 400;\">21 critical illnesses via Gambhir Bimari Upchar Yojana; temporary cards for urgent care<\/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;\">Main limitations<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ration card and Aadhaar must match, empanelled hospitals only, no routine OPD<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Helpline<\/span><\/td>\n<td><span style=\"font-weight: 400;\">14555<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Official website<\/span><\/td>\n<td><a href=\"https:\/\/bis.jharkhand.gov.in\/\"><span style=\"font-weight: 400;\">bis.jharkhand.gov.in<\/span><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table>\n<thead>\n<tr>\n<th><b>Short on time? Swipe instead.<\/b><span style=\"font-weight: 400;\"> Abua Swasthya&#8217;s \u20b915 lakh cover and card steps in a quick LinkedIn carousel. <\/span><a href=\"https:\/\/www.linkedin.com\/posts\/coversurein_mukhyamantri-abua-swasthya-suraksha-yojana-activity-7493252490692558848-8SYB?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 every Green card family you know.<\/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 MASSY?<\/b><span style=\"font-weight: 400;\"> Jharkhand&#8217;s health scheme, giving eligible families up to \u20b915 lakh cashless cover a year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Which ration cards are eligible?<\/b><span style=\"font-weight: 400;\"> Red\/Pink, Yellow and Green cards under the National or State Food Security Act.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>How do I download the Abua health card?<\/b><span style=\"font-weight: 400;\"> At bis.jharkhand.gov.in, using your ration card number and Aadhaar.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>What if my Aadhaar and ration card don&#8217;t match?<\/b><span style=\"font-weight: 400;\"> You&#8217;ll need to correct the details before downloading.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Is there a family size limit?<\/b><span style=\"font-weight: 400;\"> No.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Can I get treated urgently without a card?<\/b><span style=\"font-weight: 400;\"> Temporary cards are issued for urgent treatment based on your ration card.<\/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 Ayushman helpline?&#8221;<\/b><span style=\"font-weight: 400;\"> Call 14555.<\/span><\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th><b>Abua 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 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: Lakshadweep. <\/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 Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY) is Jharkhand&#8217;s flagship health scheme, run with Ayushman Bharat. It gives eligible families up to \u20b915 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 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1879,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[124],"class_list":["post-1878","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>Abua Swasthya Suraksha Yojana: Jharkhand&#039;s \u20b915 Lakh Cover<\/title>\n<meta name=\"description\" content=\"Jharkhand&#039;s MASSY gives ration card families up to \u20b915 lakh cashless cover a year. 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