Chief Minister Health Bima Yojana will be implemented in Punjab from January, every family will get free treatment up to 10 lakhs

Punjab News: The Punjab government has decided to implement the Chief Minister Health Insurance Scheme from the month of January to provide major health facilities to the people. On Thursday, Chief Minister Bhagwant Mann approved the plan. Under this scheme, every family in the state will be provided with free and cashless treatment worth up to 10 lakh rupees annually, which will benefit nearly 3 crore Punjabis.

The scheme will cover all expenses related to critical illnesses, surgeries, intensive care units, tests and medicines in government and listed private hospitals. The treatment will be completely cashless and paperless, which will not cause any inconvenience to the residents. Pre and post treatment expenses will also be included in this plan. This facility will be available in hospitals across the state and in Chandigarh.

While earlier a family could get treatment up to Rs 5 lakh, now this amount has been increased to Rs 10 lakh. The Chief Minister clarified that there is no income limit for this scheme. Government employees, pensioners and common citizens can all benefit from it.

Key points about this plan…

No Card Required: According to the AAP government, this scheme is open to all residents of Punjab. Earlier people were stuck in the hassle of blue and yellow cards. Now, through health card, every resident of Punjab will be eligible.

Unlike previous schemes, treatment up to Rs 10 lakh: Treatment up to Rs 10 lakh is available under this scheme. Treatment up to this amount will be available annually. Importantly, under previous schemes run by the state and central governments, treatment up to Rs 5 lakh was free. It will be apart from these.

All types of diseases will be covered: The government will cover every disease under this scheme. Benefits will be available in both government and private hospitals.

The hospital will claim the bill itself, the patient will not have to pay any money: According to the government, it is a cashless facility. There is no need to deposit any money, nor will there be any expenses during the treatment. The patient will receive the treatment, and the government will pay the costs directly to the hospital. The patient will not be required to submit a bill or any other accounting document. The hospital will automatically pay the claim to the government and also provide the bill.

A single card will be issued for the entire family: According to the government, a single floater card will be issued for the entire family. Its limit will be ₹10 lakh per annum. This will enable all members of the family to get treatment up to a fixed amount. The treatment amount up to ₹10 lakh is not for an individual but for the entire family.

How different is Punjab’s new health plan from Ayushman Bharat?

Mukhya Mantri Sarbat Sehat Bima Yojana: Punjab already has Mukhya Mantri Sarbat Sehat Bima Yojana, which provides free treatment up to ₹5 lakh in government and listed hospitals. The scheme covers 80 percent of the state’s population.

Ayushman Bharat Yojana: In Punjab, the Ayushman Bharat Yojana is run by the central government, which provides treatment of up to ₹5 lakh in government and listed hospitals to people living below the poverty line across India. The scheme is applicable in all states, but it requires the participation of the state government.