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How to Apply for Odisha Biju Swasthya Kalyan 2026

OD BSKY - ₹5L (men) / ₹10L (women) free health cover. Universal Odisha BPL + APL low income.

📁 StateSchemes ⏱️ 15-30 mins 💰 Free

About This Guide

Odisha Biju Swasthya Kalyan Yojana (BSKY) provides ₹5 lakh (men) / ₹10 lakh (women) annual cashless health cover. Universal: BPL + AAY + APL with income < ₹1.2L (rural)/₹1.8L (urban). 96 lakh+ families. Combines with Ayushman. Apply at bsky.odisha.gov.in.

Eligibility Criteria

Odisha permanent resident
Income < ₹1.2L (rural) / ₹1.8L (urban) for non-BPL
BPL + AAY auto-eligible
Aadhaar mandatory

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

Aadhaar
Odisha domicile
Income certificate
Ration card
Photo
Bank account

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Visit Portal

bsky.odisha.gov.in.

Apply BSKY Card

If not auto-enrolled.

Aadhaar e-KYC

OTP-based.

Income Verification

Auto-cross-checked.

Card Issued

30-60 days.

Hospital Use

Empanelled hospitals.

Cashless

₹5L/₹10L cover.

Beyond Cover

Catastrophic Care - additional ₹5L for select procedures.

Key Benefits

₹10L women / ₹5L men
Universal Odisha poor
96 lakh families
Cashless
Empanelled hospitals
Catastrophic Care extension
Combines with Ayushman
Women priority focus

What Happens After Application?

30-60 days card. Use as needed.

Frequently Asked Questions

Why women higher cover?

Reflects gender priority. Maternal + women-specific procedures fully covered.