स्वास्थ्य बीमा✓ 100% सरकारी समर्थितBiharसत्यापित: 2026-09-18 (180-दिवसीय SLA)
Bihar Mukhyamantri Jan Arogya Yojana (MMBJAY)
State-notified public health assurance program providing cashless medical treatment across Bihar.
बीमा सुरक्षा कवरेज₹5 Lakh Cashless Cover
प्रीमियम दर100% Free / Subsidized by State
दावा निपटान अनुपात (CSR)98.2% (Direct Cashless)
आरंभ वर्ष2019
🛡️मुख्य लाभ एवं सुरक्षा विवरण (Key Benefits)
Bihar state government initiative providing identical PM-JAY ₹5 Lakh cashless coverage to all 89 lakh NFSA ration card families.
📋पात्रता की शर्तें (Eligibility Rules)
All NFSA ration card holders residing in Bihar not covered under SECC PM-JAY list.
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, State Ration Card / Jan Aadhaar / Parivar Pehchan Patra, Domicile certificate, Mobile number.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Caveats & Policy Exclusions)
Medicines outside hospital formulary must be approved by medical superintendent. Private room upgrades not permitted.
🚀आवेदन एवं दावा प्रक्रिया (How to Apply & Claim)
1. Verify family eligibility on state food security or health portal. 2. Obtain state health smart card or link Aadhaar at local CSC. 3. Present card at empanelled hospital network helpdesk during admission.