Biju Krushak Kalyan Yojana

The Biju Krushak Kalyan Yojana (BKKY) scheme was introduced by the State Government of Odisha in 2013. It is a significant health insurance initiative aimed at ensuring comprehensive healthcare coverage for farmers and their family members across Odisha. This article delves into the features, special benefits, eligibility criteria, and the enrollment procedure of this vital scheme, providing necessary insights for interested individuals.

Features of the Scheme

The Biju Krushak Kalyan Yojana is notable for several key features:

The primary objective is to provide health insurance to both farmers and their family members, safeguarding them against major health issues and accidental cases.
The scheme offers financial assistance to farmers for medical treatments, reducing the financial burden of healthcare.
Farmers can choose from several insurance companies, including New India Insurance, National Insurance, IFFCO-TOKIO General Insurance Company, and Reliance General Insurance, under proper guidance.
This scheme targets economically disadvantaged farmers, aiming to cover nearly 60 lakh individuals across the state.

Benefits of the Scheme

The BKKY provides two distinct streams of benefits, catering to different healthcare needs of farmers:

BKKY Stream 1:

Covers treatment expenses for surgery and maternity, including newborn care, up to Rs. 30,000 per annum.
Includes treatment costs such as drugs, medicine, general ward bed, registration, doctors, surgeons, X-ray, blood tests, food, specialists, and transportation up to Rs. 1,000 per annum.

BKKY Stream 2:

Covers treatment costs up to Rs. 70,000 per annum, with additional features like ICU for emergency cases.
Includes similar benefits as Stream 1, with enhanced coverage for critical care.
Note: Beneficiaries of Rashtriya Swasthya Bima Yojana (RSBY) cannot claim benefits under BKKY Stream I.

Eligibility Criteria

Eligibility for the Biju Krushak Kalyan Yojana is restricted to farmers residing in Odisha. The scheme allows coverage for a farmer's family, encompassing up to five members. In cases of larger families, any five members can be registered. In the absence of the family head, the spouse is eligible to register.

Implementation Process

The BKKY scheme is executed through an association with various medical institutions, including community medical centers, nursing homes, and private hospitals. These facilities must meet specific standards, such as:

Manned diagnostic units, pharmacy, and provide cashless treatment options.
Ensure communication facilities with fax machines and telephones.
Maintain proper treatment data records of beneficiaries and insurance details.
Possess surgical operation theatres and reserve at least 10 beds in the general ward.
Staffed by well-trained doctors and experienced nurses.
File financial transactions with the Income Tax Department.

Refer to our guidelines for understanding operational standards and facilities required in hospital settings.

Enrolment Procedure

The process for enrolling in the Biju Krushak Kalyan Yojana is straightforward:

Visit a nearby insurance company to begin the registration procedure.
Field Key Officers (FKO) will verify the applicant's details thoroughly.
Once verified, a Smart Card will be issued through the insurance company, allowing access to cashless medical treatment.

The Smart Card is renewable annually with the concerned insurance company, ensuring continual coverage. For more on Smart Card renewals, visit Renewal Procedures.

Additional insights into similar government schemes can be explored through our resources on state-specific eligibility programs and government registration processes.

To understand more about simplifying business and personal compliances, explore our guidelines on Single Window Project.

Discover the financial assistance opportunities available for businesses and personal projects through our consultation services.

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Frequently Asked Questions

Common questions about Biju Krushak Kalyan Yojana: Health Insurance for Odisha Farmers.

The Biju Krushak Kalyan Yojana (BKKY) scheme is a health insurance scheme introduced by the State Government of Odisha in 2013. It aims to provide health insurance coverage to farmers and their family members through various hospitals in the state.

The BKKY scheme is applicable to farmers in Odisha. In a farmer's family, the farmer and up to five family members are eligible under the scheme. If there are more than five family members, any five can be eligible. The spouse is also eligible to register in the absence of the head of the family.

Under the BKKY Stream 1, the treatment expenses of surgery, maternity, and newborn care up to Rs. 30,000 per annum are covered. It also covers the cost of drugs, medicine, general ward bed, registration, doctors, surgeons, X-ray, blood tests, food, specialists, and transportation up to Rs. 1,000 per annum.

The BKKY Stream 2 covers the treatment cost up to Rs. 70,000 per annum. It provides the same benefits as Stream 1 but also includes coverage for Intensive Care Unit (ICU) treatment in emergency cases.

No, beneficiaries of Rashtriya Swasthya Bima Yojana (RSBY) are not eligible to claim benefits under the BKKY Stream I.

Hospitals must maintain diagnostic units, pharmacy, and cashless treatment facilities. They should have fax and telephone services, record treatment data, reserve at least 10 general ward beds, have an operation theater, well-trained doctors and nurses, and file financial transactions with the Income Tax Department.

Farmers can enroll in the BKKY scheme by visiting a nearby insurance company to register. After registration, Field Key Officers (FKO) will verify the applicant's details. Once verified, a Smart Card will be issued by the insurance company, which can be used to obtain cashless treatment at hospitals.

Field Key Officers (FKO) are appointed by the State Government or Nodal Agency to verify the beneficiaries' identification for implementing the enrollment process of government schemes like the BKKY.

Yes, the Smart Card issued under the BKKY scheme can be renewed after a year by the concerned insurance company.

The BKKY scheme is associated with various insurance companies in the state, including New India Insurance, National Insurance, IFFCO-TOKIO General Insurance Company, and Reliance General Insurance. Farmers can choose any of these insurance companies under proper guidance.