Jharkhand's Abua Swasthya Suraksha Yojana (MASSY): Coverage, Eligibility and How to Apply
Medically reviewed by Dr. Nikhil Singh
Last reviewed: 18 Jul 2026
Jharkhand runs its own state health insurance layer in addition to the national Ayushman Bharat PM-JAY scheme. The state's AB-MMJAY delivers PM-JAY's Rs 5 lakh cover to SECC-2011-listed households. Since 2024, the state has added a larger scheme of its own — the Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY) — giving cashless hospitalisation cover of up to Rs 15 lakh per family per year.
This guide covers what MASSY provides, who is eligible, how to apply through the state's bis.jharkhand.gov.in portal, and how it sits alongside the Rs 5 lakh AB-MMJAY/PM-JAY cover many Jharkhand families already have.
Jharkhand's Health Cover, Scheme by Scheme
Figures as reported by the Jharkhand government and state scheme records; confirm entitlement on the official portals.
- Abua Swasthya Suraksha Yojana (MASSY) cover — Up to Rs 15,00,000 per family per year
- AB-MMJAY / PM-JAY cover — Rs 5,00,000 per family per year
- AB-MMJAY empanelled hospitals (state budget update) — 709 total — 489 private, 220 government
- AB-MMJAY golden cards issued (state budget update) — 88,76,567 beneficiaries
- Central:state funding split for AB-MMJAY — 60% Centre : 40% State (FY 2026-27)
Rates shown are as per the Department of Health, Medical Education & Family Welfare, Government of Jharkhand (2026) and are subject to periodic revision. Always verify the latest approved rates on the official source.
What the Abua Swasthya Suraksha Yojana Covers
MASSY is a Jharkhand-only scheme, funded and run by the state, adding to the Rs 5 lakh Ayushman Bharat cover. It gives cashless treatment up to Rs 15 lakh per family per year at empanelled hospitals for secondary and tertiary care, including cancer treatment, cardiac surgery and kidney transplant.
It also covers chronic-care needs — free medicines for and , and at government hospitals — with pre-existing conditions covered from enrolment.
Who Is Eligible
Eligibility for MASSY is tied to Jharkhand's ration card system, not the SECC-2011 list PM-JAY uses. Any Jharkhand-resident family holding a pink, yellow or green ration card (NFSA or state Food Security Act) qualifies — reaching households outside the SECC-2011 criteria used for PM-JAY/AB-MMJAY.
Families that already hold a PM-JAY or AB-MMJAY card are also eligible — the state describes MASSY as additional cover, not a replacement.
- Permanent resident of Jharkhand
- Holder of a pink, yellow or green ration card (NFSA / Jharkhand State Food Security Act)
- No separate income certificate required beyond the ration card
- Existing PM-JAY / AB-MMJAY beneficiaries can also apply
How to Enroll and Apply
MASSY enrolment runs through the state's portal, bis.jharkhand.gov.in: register with a mobile number, verify by OTP, and enter the ration card number to pull up family member details already on record.
Family members are then linked via Aadhaar e-KYC, after which the Abua Swasthya card can be downloaded, or completed at a nearby Common Service Centre (CSC) with the same documents.
- Aadhaar card
- Ration card number
- Registered mobile number
- Family ID (as applicable)
How It Works Alongside PM-JAY and AB-MMJAY
Jharkhand layers multiple levels of cover. PM-JAY gives Rs 5 lakh per family per year to households on the SECC-2011 list, jointly funded by the Centre and the state. AB-MMJAY is the state's delivery of this benefit, merging in two earlier state schemes — Mukhyamantri Swasthya Bima Yojana and Mukhyamantri Gambhir Bimari Upachar Yojana.
MASSY, introduced in 2024, is a further, larger cover of up to Rs 15 lakh reaching a wider ration-card population, adding to any PM-JAY/AB-MMJAY entitlement a family already has. Check both card statuses separately, since the two run on different portals and both work at empanelled hospitals.
Frequently Asked Questions
What is the Mukhyamantri Abua Swasthya Suraksha Yojana (MASSY)?
It is Jharkhand's own state health insurance scheme, introduced in 2024, giving cashless hospitalisation cover of up to Rs 15 lakh per family per year at empanelled hospitals, in addition to the Rs 5 lakh Ayushman Bharat (AB-MMJAY/PM-JAY) cover.
Is MASSY the same as Ayushman Bharat?
No. PM-JAY and its Jharkhand implementation, AB-MMJAY, give Rs 5 lakh cover based on SECC-2011 data. MASSY is a separate, larger, state-funded scheme based on ration card eligibility.
Do I need an Ayushman Bharat card to apply for MASSY?
No. Eligibility for MASSY is based on holding a pink, yellow or green ration card under the food security acts. Families that already have a PM-JAY/AB-MMJAY card remain eligible and can hold both.
How do I apply for the Abua Swasthya Suraksha card?
Apply online at bis.jharkhand.gov.in with your mobile number, OTP and ration card number, then complete Aadhaar e-KYC — or visit a nearby Common Service Centre for assisted enrolment.
What does MASSY cover?
Cashless secondary and tertiary hospitalisation at empanelled hospitals, including costlier procedures such as cancer treatment, cardiac surgery and kidney transplant, plus free medicines for chronic conditions like diabetes and hypertension at government hospitals.
Who can I contact if I face problems enrolling in MASSY?
The scheme lists helpline numbers 104 and 1800-345-6540 for beneficiary assistance, alongside the bis.jharkhand.gov.in portal and local Common Service Centres.
Related
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- Ayushman Bharat PM-JAY eligibility check
Medical Disclaimer
The information provided in this article is for general informational and educational purposes only. It is not intended as a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read in this article.
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It is Jharkhand's own state health insurance scheme, introduced in 2024, giving cashless hospitalisation cover of up to Rs 15 lakh per family per year at empanelled hospitals, in addition to the Rs 5 lakh Ayushman Bharat (AB-MMJAY/PM-JAY) cover.
No. PM-JAY and its Jharkhand implementation, AB-MMJAY, give Rs 5 lakh cover based on SECC-2011 data. MASSY is a separate, larger, state-funded scheme based on ration card eligibility.
No. Eligibility for MASSY is based on holding a pink, yellow or green ration card under the food security acts. Families that already have a PM-JAY/AB-MMJAY card remain eligible and can hold both.
Apply online at bis.jharkhand.gov.in with your mobile number, OTP and ration card number, then complete Aadhaar e-KYC — or visit a nearby Common Service Centre for assisted enrolment.
Cashless secondary and tertiary hospitalisation at empanelled hospitals, including costlier procedures such as cancer treatment, cardiac surgery and kidney transplant, plus free medicines for chronic conditions like diabetes and hypertension at government hospitals.
The scheme lists helpline numbers 104 and 1800-345-6540 for beneficiary assistance, alongside the bis.jharkhand.gov.in portal and local Common Service Centres.
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Last reviewed: 18 July 2026
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