BSKY Card: Benefits, Eligibility, Application Process

16^th Dec 2025...

Published By : Team 811

Biju Swasthya Kalyan Yojana Card Key Takeaways

BSKY provides cashless healthcare up to ₹5 lakh per family annually, with an extra ₹5 lakh exclusively for women, covering treatment in government and empanelled private hospitals.
Eligibility is automatic for families under NFSA/SFSS, and smart health cards are issued without separate registration.
GJAY has replaced BSKY, but all previously eligible families continue receiving the same healthcare benefits during the transition.

BSKY or Biju Swasthya Kalyan Yojana is a scheme initiated by the Government of Odisha under the Department of Health and Family Welfare on 15th August 2018. This revolutionary scheme aims to provide universal health coverage, especially for families and women struggling with financial stability. The BSKY Card covers the cost of several healthcare facilities, including diagnosis, medical tests, treatment, and follow-up.

What is Biju Swasthya Kalyan Yojana?

Under the BSKY scheme, the state government will bear the cost of healthcare facilities for the patients. This initiative will help improve the access and quality of healthcare for the vulnerable sections of society. The BSKY Card allows eligible individuals to avail themselves of cashless and treatment within or outside the state of Odisha.

With the Biju Swasthya Card, you and your family get access to both enlisted public and private hospitals or healthcare services.

Who Benefits From Biju Swasthya Kalyan Yojana?

Biju Swasthya Kalyan Yojana primarily benefits the residents of Odisha who need financial help for their healthcare needs.

Every family, regardless of income or residency, is covered under free health services at government hospitals.
Women will receive additional benefits and enhanced support for higher medical needs.

Key Features and Benefits of BSKY Card

The BSKY Card offers up to ₹ 5 lakh coverage per annum for each family and additional coverage for women. Here are some key benefits that you should look out for:

Cashless Treatment

In case of a medical emergency, you can avail of medical treatment at the empanelled hospitals without having to wait for cash. With the BSKY Smart Health Card/ NFSA/ SFSS card, you don’t have to pay the medical fees or bills upfront. The government authorities will settle the bill later on your behalf.

Wider Coverage

The BSKY Card is not only for the government or public hospitals, but it also covers most state-run facilities and empanelled private hospitals. This allows individuals to cut short their waiting time and get access to advanced services.

Extra Benefits For Women and Senior Citizens

BSKY is an initiative to offer adequate healthcare to women of Odisha. It offers additional ₹ 5 lakh healthcare coverage for women over the regular ₹ 5 Lakh general coverage for other individuals.

Nationwide Network

The BSKY card grants you access to empanelled hospitals within the state and beyond it. If you are travelling, you can access the healthcare services from another Indian state and the charge would be covered under the BSKY.

All-in-One Medical Package

Residents of Odisha can access the complete healthcare package without feeling left out. Be it the inpatient department (IPD) care or diagnostic tests, the BSKY covers all medical services. It also includes surgeries and even post-operative medication for complete coverage.

Kotak811 brings you the 811 Zero Balance Digital Savings Account to access your medical expenses and other charges from the comfort of your home. Get in touch with us for any assistance regarding the account or your eligibility for the BSKY Card.

BSKY Card Eligibility Criteria

Before applying for the BSKY card, ensure that you qualify for all the eligibility criteria to avail essential benefits. You can refer to the official BSKY Guideline Document for clarity.

You must be a permanent resident of the state of Odisha.
If you are a holder of other relevant cards such as BSKY Smart Health Card/ National Food Security Act (NFSA)/ State Food Security Scheme (SFSS), you are eligible for the BSKY card too.
The healthcare facilities under this scheme are available for both APL (Above Poverty Line) and BPL (Below Poverty Line) families.
Non-cardholders with an annual income of ₹ 50,000 (rural areas) and ₹ 60,000 (urban areas) are eligible for the coverage.

Eligibility Criteria For Referral To a Private Hospital

Here are some criteria that are required to access the empanelled private hospitals under this scheme:

If the treatment or service is not available in the public or government hospitals.
If the waiting time in the government facilities is too long.
If there is an emergency case that requires immediate treatment.

Exclusions and Reserved Packages

Around 3% of the total packages are reserved for Government health institutions. About 10% of the packages are under the referral category, which can only be availed with approval from the valid authority.

Documents Required for BSKY Card

Make sure you keep these essential documents ready while applying or availing the services of the BSKY scheme:

Particulars	Documents
For Cashless Treatment	BSKY Smart Health Card National Food Security Act (NFSA) Card State Food Security Scheme (SFSS) Card.
Category (If Applicable)	Biju Krushak Kalyan Yojana (BKKY) Card Below Poverty Line (BPL) Card Antyodaya Anna Yojana (AAY) Card.
Families Without BSKY Card	Valid Income certificate.

Application Process for BSKY Card

There is no direct enrollment for the Biju Swasthya Kalyan Yojana Card.

All the families that are covered under the NFSA / SFSS are automatically eligible for the services.
The eligible families receive the BSKY Smart Health Cards from the government.
The beneficiaries who have missed the distribution can avail their BSKY Smart Health Card at the designated Mo Seva Kendra by producing their valid NFSA/ SFSS Card.

BSKY Card Name Check Status

Beneficiaries can track their claim status through these steps:

Visit the official BSKY portal.
Contact the customer support helpline numbers 104 and 1800120120104 (Outside Odisha).

Claim Settlement for BSKY

Here are some key points to keep in mind to ensure a smooth claim settlement under the BSKY scheme:

All the required documents for the claim settlement must be uploaded to the BSKY app within 7 days of the discharge. Any delay will result in claim rejection.
The payment is done electronically through the Public Financial Management System (PFMS) within 4 weeks of raising the claim.
If the beneficiary is going through multiple surgeries in one OT session:

Package	Reimbursement Percentage
Highest Rate Procedure (Primary Package)	100%
Second Procedure	50%
Third Procedure	25%

Hospitals are required to upload the missing claim documents within 7 days to pass the application seamlessly.

Conclusion

Biju Swasthya Kalyan Yojana is a revolutionary scheme that allows people of Odisha to enjoy quality healthcare services. It was introduced by the Department of Health and Family Welfare in 2018. GJAY has replaced the BSKY scheme, but the implication remains the same for all the eligible families.

FAQs on Biju Swasthya Kalyan Yojana

1. How to find out the empanelled hospitals under the BSKY card?

You can find the empanelled hospitals under the BSKY card through the “Find Your Nearby” option on the official portal.

2. How can I get a duplicate BSKY card if the original is lost?

You can get your duplicate BSKY card by showing your NFSA / SFSS card at the nearest Mo Seva Kendra.

3. How can we calculate the annual coverage amount for each family member?

You can check your annual coverage limit through the official BSKY portal. In case of any query, contact the professionals on the 104 helpline number.

4. How many family members are eligible under the BSKY card?

All the registered family members under the NFSA/SFSS card are eligible under the BSKY card.

5. What is the Smartcard Helpline number for the BSKY card?

For any queries related to the smartcard or the BSKY card, you can contact the officials at 155369.

Popular Searches on Kotak811

This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empanelled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees, and contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.