Sarbat Sehat Bima Yojana – Free Cashless Treatment Scheme: Eligibility, Documents, How to Apply

Sarbat Sehat Bima Yojana 2025: Healthcare is a fundamental right for every citizen, and the Sarbat Sehat Bima Yojana is a game-changing initiative that ensures free, cashless treatment for millions of people in Punjab. This scheme aims to improve access to quality healthcare, especially for the underprivileged, by covering a wide range of medical treatments without the burden of financial strain.

In this article, we’ll explore what the Sarbat Sehat Bima Yojana is, its eligibility criteria, required documents, and how to apply for this life-saving health insurance scheme. Whether you’re a family seeking financial relief for medical treatments or a professional looking for policy insights, this guide is your ultimate resource.

Sarbat Sehat Bima Yojana 2025

The Sarbat Sehat Bima Yojana is a revolutionary initiative that brings financial relief to families struggling with medical expenses. By offering free, cashless treatment, the scheme ensures that no individual in Punjab is deprived of quality healthcare due to financial constraints. If you are eligible, apply for the scheme today to secure your family’s health and future.

What is Sarbat Sehat Bima Yojana?

The Sarbat Sehat Bima Yojana (SSBY), launched in August 2019 by the Government of Punjab, is a state-specific health insurance scheme designed to provide free cashless treatment to residents of Punjab. This scheme aligns with the Ayushman Bharat Yojana (Pradhan Mantri Jan Arogya Yojana), aiming to cover healthcare expenses for economically vulnerable families.

Under SSBY, eligible families can avail up to Rs. 5 lakh of cashless treatment per year for secondary and tertiary healthcare services. The scheme covers critical diseases such as cancer, heart ailments, kidney failure, and orthopedic conditions, ensuring that families can access quality medical care without worrying about exorbitant hospital bills.

Who is Eligible for Sarbat Sehat Bima Yojana?

The scheme is designed to cover various categories of residents in Punjab. Here is a list of individuals and families eligible for SSBY:

1. SECC 2011 (Socio-Economic Caste Census) Beneficiaries: Families identified as economically weak in the SECC database.
2. NFSA Ration Card Holders: Beneficiaries under the National Food Security Act (NFSA).
3. Small and Marginal Farmers: Certified farmers holding land below specified limits.
4. Construction Workers: Registered construction workers under Punjab’s Building and Construction Workers Welfare Board.
5. Small Traders: Registered under state government departments.
6. Journalists: Accredited journalists registered with the Department of Information and Public Relations.
7. Other Specific Groups: Individuals such as Blue Card holders, senior citizens under Old Age Pension, and families identified by the government.

Documents Required for Sarbat Sehat Bima Yojana

To apply for the Sarbat Sehat Bima Yojana, applicants need to present specific documents to prove eligibility. Here’s a list of documents required:

• Aadhar Card (for identification and verification)
• Ration Card (for NFSA beneficiaries)
• Farmer ID/Certificate (for small and marginal farmers)
• Construction Worker Registration Certificate (for registered workers)
• Income Certificate (to validate economic eligibility)
• Residence Proof (to confirm Punjab domicile)
• Journalist Accreditation Certificate (for journalist beneficiaries)
• Passport-size Photograph

How to Apply for Sarbat Sehat Bima Yojana?

Applying for SSBY is a simple process. Follow these steps to check your eligibility and enroll in the scheme:

Step 1: Check Eligibility

• Visit the official website: https://sha.punjab.gov.in/
• Navigate to the beneficiary section and enter your Aadhar number or ration card details.
• Confirm your eligibility status.

Step 2: Visit the Enrollment Center

• If eligible, visit the nearest Common Service Center (CSC) or designated enrollment center in Punjab.
• Submit the required documents (mentioned above) for verification.
• The officials will update your details in the database.

Step 3: Receive the Health Card

• Once verification is complete, you will receive your Sarbat Sehat Bima Yojana Health Card.
• This card enables you to access cashless treatment services at empaneled hospitals.

Step 4: Avail Treatment

• Visit any empaneled hospital in Punjab with your health card and Aadhar card.
• The hospital staff will verify your details and provide free treatment up to the coverage limit.

List of Treatments Covered Under SSBY

The SSBY covers over 1,500 medical procedures across various specialties, including:

• Cancer Treatments: Chemotherapy, radiotherapy, and surgeries.
• Cardiac Surgeries: Angioplasty, bypass surgery, and valve replacements.
• Kidney Treatments: Dialysis and kidney transplants.
• Orthopedic Surgeries: Joint replacement (hip/knee) and trauma care.
• Neurological Procedures: Brain surgeries and spinal treatments.
• General Surgeries: Hernia, appendicitis, and gallbladder surgeries.
• Maternity Care: Delivery (normal and C-section) and postnatal care.

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Benefits of Sarbat Sehat Bima Yojana

1. Free Cashless Treatment: Provides up to Rs. 5 lakh per family annually without any payment.
2. Access to Quality Healthcare: Empaneled private and government hospitals ensure quality treatment.
3. Financial Protection: Reduces out-of-pocket medical expenses, preventing financial distress.
4. Wide Hospital Network: Over 650 hospitals across Punjab offer treatment under SSBY.
5. Covers Critical Illnesses: Addresses major diseases like cancer, heart diseases, and kidney failure.

Frequently Asked Questions (FAQs)

1. Who can benefit from the Sarbat Sehat Bima Yojana?

Eligible families include SECC beneficiaries, NFSA cardholders, farmers, construction workers, journalists, and senior citizens.

2. How do I check my eligibility for the scheme?

Visit the official website https://sha.punjab.gov.in/ and enter your Aadhar or ration card details to verify eligibility.

3. How much financial coverage does the scheme provide?

The scheme provides cashless treatment up to Rs. 5 lakh per family annually.

4. Which hospitals are empaneled under the scheme?

Over 650 government and private hospitals in Punjab are empaneled. A list of hospitals can be accessed on the official website.

5. What types of treatments are covered under SSBY?

The scheme covers critical illnesses, including cancer, heart surgeries, kidney transplants, joint replacements, and general surgeries.