The Gopabandhu Jana Arogya Yojana (GJAY) is a flagship health insurance scheme launched by the Government of Odisha to provide comprehensive healthcare coverage to the people of the state. Named after the legendary freedom fighter and social reformer Gopabandhu Das, this scheme aims to ensure that quality healthcare is accessible and affordable for all residents of Odisha.
| Scheme | Gopabandhu Jana Arogya Yojana (GJAY) |
| Type | Health Insurance Scheme for Odisha Residents |
| State | Odisha |
| Applicable | Odisha Residents |
| Benefits | Health Insurance |
GJAY represents a significant evolution of the previous Biju Swasthya Kalyan Yojana (BSKY) and has been restructured to work in conjunction with the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), making Odisha the 34th state to implement the national health insurance program.
Features of Gopabandhu Jana Arogya Yojana
| Financial Coverage | Treatment Coverage | Network Benefits |
|---|---|---|
| Rural Beneficiaries: Up to ₹5 lakh per family per year for healthcare expenses | Secondary Care: Coverage for specialized medical treatments | Access to over 29,000 government and private hospitals across the country |
| Urban Beneficiaries: Up to ₹6 lakh per family per year for healthcare expenses | Tertiary Care: Advanced medical procedures and surgeries | Wide network of empaneled healthcare providers in Odisha |
| Additional Coverage for Women: Families with female members receive enhanced coverage of up to ₹7 lakh annually | Hospitalization: Complete inpatient treatment expenses | Treatment availability at both government and private healthcare facilities |
| Cashless Treatment: Complete cashless treatment facility at empaneled hospitals | Pre and Post Hospitalization: Medical expenses before and after hospital admission | Multi-specialty hospital coverage |
| Diagnostic Services: Laboratory tests, imaging, and other diagnostic procedures |
Eligibility Criteria
Must be a permanent resident of Odisha state
Primarily targets Below Poverty Line (BPL) families
Covers the entire family unit including spouse and dependent children
Economically weaker sections of society
Families identified through Socio-Economic Caste Census (SECC) data
Rural and urban poor families
Families with specific vulnerability indicators
The scheme aims to cover approximately 70% of Odisha’s population, encompassing around 70 lakh families across the state.
Documents Required
To apply for and avail benefits under GJAY, beneficiaries need the following documents:
Aadhaar Card (mandatory)
Voter ID Card
PAN Card
Driving License
Ration Card
Electricity Bill
Water Bill
Family Income Certificate (if required)
BPL Certificate
Caste Certificate (if applicable)
Bank Account Details
Passport-size photographs of all family members
Birth Certificate
School Leaving Certificate (10th marksheet)
Any government-issued document showing date of birth
How to Apply Gopabandhu Jana Arogya Yojana
Online Application Process
Go to the official GJAY website (gjay.odisha.gov.in)
Create a new user account with basic details
Complete the online application form with accurate information
Upload all required documents in specified format
Submit the application for verification by authorities
Upon approval, the GJAY card will be generated
Offline Application Process
Go to the nearest Common Service Center (CSC) or designated enrollment center
Obtain the physical application form
Complete the form with all necessary information
Provide original documents for verification along with photocopies
Complete biometric data capture if required
Collect acknowledgment receipt for tracking application status
Application Timeline
Processing Time: Typically 15-30 days for application processing
Card Delivery: GJAY card delivered within 30-45 days of approval
Digital Access: Digital card available for immediate download after approval
How to Use GJAY Card
Visit any empaneled hospital with GJAY card
Hospital staff will verify eligibility and card details
Hospital obtains pre-authorization for treatment
Receive cashless treatment as per scheme guidelines
Complete discharge formalities without payment