The Delhi Government Health Insurance Scheme is a robust healthcare initiative designed to provide cashless treatment and financial protection to economically weaker families in the national capital. Integrated with the Ayushman Bharat – PM Jan Arogya Yojana (PM-JAY), the scheme now offers up to ₹10 lakh in medical coverage for eligible citizens.
Delhi Government Health Insurance Scheme 2025: Eligibility, Benefits & Registration
Launched in April 2025, this move is a major step toward universal health coverage in Delhi.
Key Objectives
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Provide affordable and cashless medical care to underprivileged residents.
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Reduce the financial burden of serious illnesses and hospitalizations.
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Improve access to public and private healthcare institutions in Delhi and across India.
Insurance Coverage
| Type of Benefit | Coverage Amount |
|---|---|
| Ayushman Bharat (Central) | ₹5 lakh |
| Delhi Govt’s Additional Cover | ₹5 lakh |
| Total Coverage per Family | ₹10 lakh |
The scheme includes surgical procedures, ICU charges, diagnostics, cancer treatment, dialysis, and emergency care.
Eligibility Criteria
To avail benefits under the Delhi Government Health Insurance Scheme:
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Must be a resident of Delhi.
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Should hold a valid ration card (AAY or BPL preferred) or be listed in SECC (Socio-Economic Caste Census) data.
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Priority is given to:
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AAY Ration Card holders
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BPL families
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Migrant workers & urban slum residents
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Street vendors under PM SVANidhi
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Empanelled Hospitals
The scheme is valid across:
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Government Hospitals in Delhi
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Selected Private Hospitals empanelled under Ayushman Bharat PM-JAY
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NABH-accredited private institutions for advanced care
Patients can get cashless treatment at any of the 25,000+ empanelled hospitals across India.
How to Apply for the Delhi Health Insurance Scheme
Online Registration (via PM-JAY portal)
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Visit https://pmjay.gov.in
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Click on “Am I Eligible”
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Enter Aadhaar or Ration Card number
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If eligible, proceed to generate Ayushman Card
Offline Method
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Visit your nearest Mohalla Clinic, government hospital, or health insurance kiosk
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Carry your Aadhaar card, ration card, and residence proof
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Health officials will verify and help generate your e-card
Required Documents
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Aadhaar Card
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Delhi Residence Proof
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Ration Card (AAY/BPL)
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Income Certificate (if applicable)
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Passport-size Photograph
Delhi Health Insurance Scheme Key Benefits
- Rs. 10 Lakh Cashless Health Coverage
- Includes 1500+ medical and surgical treatments
- Valid in all empanelled hospitals across India
- Cancer, organ transplant, heart surgery covered
- Priority for AAY & BPL cardholders
- No premium charged from beneficiaries
Delhi Health Insurance Scheme Recent Update (April 2025)
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The Delhi Government has signed an MoU with the National Health Authority (NHA) to merge its scheme with Ayushman Bharat.
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Over 1 lakh Ayushman Cards will be issued by April 10, 2025 in Delhi’s first rollout phase.
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Antyodaya cardholders are receiving first priority in registration and benefits.
Q1. Who is eligible for Delhi’s health insurance scheme?
Delhi residents with AAY or BPL cards, or listed under SECC data are eligible.
Q2. Is the insurance really cashless?
Yes, the entire treatment cost is covered with no out-of-pocket expenses if done in an empanelled hospital.
Q3. Can I use the scheme outside Delhi?
Yes, the scheme is valid across India in all hospitals under Ayushman Bharat PM-JAY.
Q4. What treatments are covered?
Over 1,500+ procedures including heart surgery, cancer treatment, dialysis, cataract, orthopedics, etc.
Q5. Do I need to pay a premium?
No. The scheme is completely free for eligible beneficiaries.
Conclusion
The Delhi Government Health Insurance Scheme 2025 is a game-changer in public healthcare, especially for low-income families. With ₹10 lakh in medical coverage, the integration of Ayushman Bharat ensures high-quality, cashless treatment for Delhi’s most vulnerable citizens.
If you or someone you know is eligible, register today and secure your health future.
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