Bihar Health Insurance Scheme – On February 20th, during the assembly session, Bihar’s Chief Minister Nitish Kumar led a cabinet meeting that approved a major health decision. Following this, the Bihar Health Insurance Scheme was launched to provide health insurance coverage of Rs 5 lakh to nearly 58 lakh families in the state. Based on the model of the Central Government’s Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, the Bihar Government will offer this benefit to families who missed out on the central scheme.
This article explains how you can benefit from the Bihar Health Insurance Scheme and who is eligible, using simple language. Let’s look into the Bihar Health Insurance Scheme.
Bihar Health Insurance Scheme 2025 Details
Chief Minister Nitish Kumar launched this health insurance plan to make sure healthcare reaches all eligible people in Bihar. Under this scheme, all ration card holders in Bihar will get health coverage of up to Rs 5 lakh every year for free treatment. Nearly 58 lakh families who are left out of the central Ayushman Bharat scheme will get this state government-funded health insurance. This insurance is cashless, and patients can get treated at selected hospitals in the Bihar Health Insurance Scheme’s network.
With this scheme, every ration card holder can get free medical treatment up to Rs 5 lakh annually. This will especially help poorer families get the treatment they need without money worries.
Know more about Ayushman Bharat Yojana
Main Information about Bihar Health Insurance Scheme 2025
| Scheme Name | Bihar Health Insurance Scheme |
| Launched By | Chief Minister Nitish Kumar |
| Beneficiaries | All Ration Card Holders of Bihar |
| Objective | Free Treatment up to Rs 5 Lakh Annually |
| Coverage | 58 Lakh Families |
| State | Bihar |
| Application Mode | Online |
| Official Website | To be launched soon |
Purpose of Bihar 5 Lakh Health Insurance Scheme
The main goal of this scheme started by Chief Minister Nitish Kumar is to provide health insurance coverage of Rs 5 lakh to families who do not benefit from the Central Ayushman Bharat scheme. All ration card holders in Bihar can use this scheme to get free treatment each year. Many low-income families cannot afford necessary health care, sometimes leading to serious health problems. With this insurance, the Bihar Government aims to reduce deaths due to lack of treatment.
Cashless Treatment Facility
The health insurance offered through this scheme will be fully cashless. Patients can get their treatment done at selected hospitals in the scheme network. Around 58 lakh families in Bihar, who are covered under the National Food Security Act and receive subsidized food, will benefit from this scheme. The state government will cover the full cost of the insurance without any contribution from the central government. This scheme will start helping eligible individuals from the financial year 2024-25.
Laxmibai Social Security Pension Scheme
Benefits Provided under Bihar Health Insurance Scheme
- Every ration card holder family gets free medical treatment coverage up to Rs 5 lakh annually.
- Cashless treatment facility at selected hospitals similar to Ayushman Bharat.
- The entire cost is paid by the Bihar State Government.
- Pre-hospitalization tests up to 7 days before admission are covered.
- Post-discharge treatment, medicines, and check-ups for up to 10 days after hospital discharge are free.
- People from all caste groups across Bihar are eligible for the benefits.
- Poor families can get proper treatment without worrying about money.
Eligibility Criteria for Bihar Health Insurance Scheme
- Applicant must be a resident of Bihar state.
- Family must be economically weak or below the poverty line.
- Only families covered under the National Food Security Act (NFSA) are eligible.
- All caste groups in Bihar can apply for this health insurance.
- Families who are not enrolled in the central Ayushman Bharat scheme can use this state scheme.
Required Documents to Apply for Bihar Health Insurance Scheme
- Aadhaar Card
- Ration Card
- Residence Proof
- Income Certificate
- Bank Passbook
- Passport Size Photo
- Mobile Number
Bihar Labour Card Registration
How to Apply for Bihar Health Insurance Scheme 2025?
- Visit the official website of Bihar Health Department.
- On the homepage, click on the ‘Apply’ option.
- Select the hospital where you want to get treatment.
- Fill in the application form with correct details.
- Upload all necessary documents as asked.
- Submit your application.
- You will get an application reference/ID—keep it safe.
- Your application is now complete, and you can use the benefits once approved.
Frequently Asked Questions (FAQs)
What is Bihar Health Insurance Scheme?
Bihar Health Insurance Scheme provides free medical treatment to families left out of the Central Ayushman Bharat scheme, funded by the Bihar Government.
How much insurance cover is provided under Bihar Health Insurance Scheme?
You get up to Rs 5 lakh free health cover each year under this scheme.
How many families will benefit from Bihar Health Insurance Scheme?
About 58 lakh families in Bihar will be covered under this health insurance scheme.