Swasthya Sathi Scheme (Smart Card Cashless Health Insurance)
Universal cashless secondary/tertiary hospital treatment up to ₹5 Lakh/year issued in the name of the eldest woman of the family.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Covering over 2.4 Crore families (entire population of West Bengal)
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Any resident family of West Bengal possessing an active Swasthya Sathi card.
Required Documents Checklist
Verify readiness before applying for Swasthya Sathi Scheme (Smart Card Cashless Health Insurance). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(2)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Swasthya Sathi Scheme (Smart Card Cashless Health Insurance)?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
🔒 Secure Razorpay Checkout • 100% Independent
Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Enrol at Duare Sarkar camps or Block Development Office to receive biometric Swasthya Sathi smart card.
- 2
Present smart card at the Swasthya Sathi helpdesk of any empaneled hospital.
- 3
Cashless pre-authorization approved by TPA/State Health Agency and treatment delivered with zero payment.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Non-empaneled hospitals or persons already receiving government medical allowance as civil servants.
Official Government Application Portal
You will be redirected to the secure official portal: swasthyasathi.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
Is the smart card issued only in the name of women?
Yes, the Swasthya Sathi smart card is issued exclusively in the name of the eldest woman member of the household to promote female empowerment.
Source: Official Scheme FAQ ↗Who is eligible to apply for Swasthya Sathi Scheme (Smart Card Cashless Health Insurance)?
Eligible applicants must satisfy official government criteria for Swasthya Sathi Scheme (Smart Card Cashless Health Insurance). Age: max 99 years. Annual family income ceiling: ₹8,00,000. Conditions: Any resident family of West Bengal possessing an active Swasthya Sathi card..
Source: Official Scheme FAQ ↗What are the key benefits provided under Swasthya Sathi Scheme (Smart Card Cashless Health Insurance)?
Under official guidelines for Swasthya Sathi Scheme (Smart Card Cashless Health Insurance), beneficiaries are entitled to: Universal secondary and tertiary cashless hospitalization cover of up to ₹5,00,000 per family per year across 2,400+ empaneled government and private hospitals covering 2,000+ medical and surgical procedures with a biometric smart card issued in the name of the eldest female family head.
Source: Official Scheme FAQ ↗How do I apply for Swasthya Sathi Scheme (Smart Card Cashless Health Insurance)? What is the official process?
To apply for Swasthya Sathi Scheme (Smart Card Cashless Health Insurance), applicants should follow the official procedure: 1. Enrol at Duare Sarkar camps or Block Development Office to receive biometric Swasthya Sathi smart card. 2. Present smart card at the Swasthya Sathi helpdesk of any empaneled hospital. 3. Cashless pre-authorization approved by TPA/State Health Agency and treatment delivered with zero payment.
Source: Official Scheme FAQ ↗Can I track my Swasthya Sathi Scheme (Smart Card Cashless Health Insurance) application status?
Application status for Swasthya Sathi Scheme (Smart Card Cashless Health Insurance) can typically be tracked through the official portal at swasthyasathi.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my Swasthya Sathi Scheme (Smart Card Cashless Health Insurance) payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Swasthya Sathi Scheme (Smart Card Cashless Health Insurance) benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Non-empaneled hospitals or persons already receiving government medical allowance as civil servants.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | state | Official Source ↗ |
| 2026-10-06 | ministry_id | 170 | Official Source ↗ |
| 2026-09-26 | initial_verification | Baseline verification of Swasthya Sathi Scheme (Smart Card Cashless Health Insurance) guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
Side-by-side eligibility, benefit, and effort comparison:
Application Window & Deadlines
Continuous 24x7 emergency hospital access and regular enrolment at Duare Sarkar
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 23d ago from .gov.in source
Requires documentation or office visit
Related Welfare Programs
World largest government-funded health assurance scheme providing ₹5 lakh annual cashless health cover per family for secondary and tertiary care hospitalization.
Direct benefit maternity benefit scheme under Mission Shakti offering cash incentives up to ₹6,000 for pregnant women and lactating mothers.
National affordable medicine initiative providing high-quality generic medicines and surgicals through dedicated Kendra outlets at 50% to 90% lower prices.
📅Scheme Milestone Timeline
Baseline verification of Swasthya Sathi Scheme (Smart Card Cashless Health Insur...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
State Health Transport Organization, Swasthya Sathi Cell
Swasthya Sathi Building, GN-29, Sector-V, Salt Lake, Kolkata 700091
Helpline: 1800-345-5384
Jurisdiction: West BengalNotice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-09-26 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.