The State Employees Health Insurance Scheme (SEHIS), managed by the Jharkhand State Arogya Society (JSAS), provides health insurance coverage to eligible Jharkhand Government employees, pensioners and their dependent family members. The scheme offers cashless treatment coverage of Rs. 5 lakh per family per year for general illnesses and up to Rs. 10 lakh for 25 listed serious illnesses. Eligible beneficiaries can register free of cost through the official SEHIS portal or mobile app.
Jharkhand State Employees Health Insurance Scheme Highlights | |
|---|---|
| Scheme Name | State Employees Health Insurance Scheme (SEHIS) |
| Effective Date | 1 March 2025 |
| Implementing Department | Health, Medical Education and Family Welfare Department, Government of Jharkhand |
| Implementing Agency | Jharkhand State Arogya Society (JSAS) |
| Health Cover for General Illnesses | Rs. 5 lakh per family per year |
| Coverage for Serious Illnesses | Up to Rs. 10 lakh for 25 listed serious illnesses |
| Premium Amount | Rs. 500 per month for Category A and Rs. 6,000 per year for Category B and Category C |
| Eligible Beneficiaries | Government employees, pensioners, MLAs, AIS officers, eligible board and university staff, registered advocates and their eligible dependants |
| Total Beneficiaries Covered | Over 6 lakh |
| Network Hospitals | More than 1,000 |
| Pre and Post Hospitalisation Coverage | 15 days before admission and 30 days after discharge |
| Registration Mode | Online through the official SEHIS portal or mobile app, free of cost |
| 24 Hour Helpline | 1800 3455 027 |
| Official Website | SEHIS Official Portal |
Introduction of Jharkhand State Employees Health Insurance Scheme: A Brief Insight
A serious illness can put years of savings at risk, especially when a family needs expensive treatment at a private hospital. To reduce this financial burden, the Government of Jharkhand introduced the State Employees Health Insurance Scheme (SEHIS), a dedicated health insurance scheme for eligible serving employees, pensioners and their families.
The State Cabinet, under Chief Minister Hemant Soren, approved the scheme in January 2025, and it came into effect on 1 March 2025. The Jharkhand State Arogya Society under the Health, Medical Education and Family Welfare Department manages the scheme. Its main objective is to help covered families access quality medical treatment without facing excessive financial pressure.
SEHIS provides health coverage of Rs. 5 lakh per family per year for general illnesses and up to Rs. 10 lakh for 25 listed serious illnesses, including cancer, heart disease and organ transplants. It also covers eligible medical expenses for 15 days before and 30 days after hospitalisation. Other facilities include air ambulance support in critical cases and lifelong coverage for eligible differently abled employees. The scheme covers over 6 lakh beneficiaries through more than 1,000 network hospitals.
Serving State Government employees must enrol by paying Rs. 500 per month. Eligible pensioners, current and former MLAs, All India Services officers, board and university staff, and registered High Court advocates can also join by paying Rs. 6,000 per year, according to their category. The scheme also covers eligible dependent family members, including spouses, children and dependent parents.
Beneficiaries can complete registration free of cost through the official SEHIS portal or the mobile app. After submission, the concerned DDO or designated verifier checks the details online. For assistance, beneficiaries can call the 24 hour helpline at 1800 3455 027.
Family members and other relatives who are not covered under SEHIS can explore the State Government’s Mukhyamantri Abua Swasthya Suraksha Yojana or the Central Government’s Ayushman Bharat PM Jan Arogya Yojana. Elderly parents aged 70 and above can also check the benefits available under the Ayushman Bharat Vay Vandana Card Scheme.
State employees, pensioners and other residents looking for additional health and welfare benefits can explore the available programmes on our Jharkhand Government Welfare Schemes List page.
Latest Updates on State Employees Health Insurance Scheme
- October 2026: According to reports, online enrolment is open for Category B beneficiaries, including pensioners and eligible staff of boards, corporations and universities, for the policy year May 2026 to April 2027. The reported last date for submitting applications is 1 November 2026.
- Policy Year 2026 to 2027: The Jharkhand Government released Rs. 75 crore for SEHIS. The new policy year also aims to provide treatment for all diseases at a single empanelled hospital. In addition, 237 hospitals outside Jharkhand have been identified for empanelment.
- 11 June 2026: All issued Sankalp documents related to the State Employees Health Insurance Scheme were published on the official SEHIS portal.
Benefits Provided to Eligible Beneficiaries
The State Employees Health Insurance Scheme (SEHIS), also known as Rajya Karmi Swasthya Bima Yojana, provides financial protection against medical expenses for eligible employees, pensioners and their dependent family members. Beneficiaries can access cashless treatment, additional financial cover for serious illnesses and medical support before and after hospitalisation.
Health Cover Amount
| Type of Treatment | Available Coverage |
|---|---|
| General illnesses | Rs. 5 lakh per family per year |
| 25 listed serious illnesses | Additional coverage of up to Rs. 10 lakh |
| Serious illnesses requiring treatment beyond Rs. 10 lakh | Further treatment through trust mode, without a fixed upper limit |
Key Facilities Available Under SEHIS
- Cashless and paperless treatment: Beneficiaries can receive treatment at network hospitals by presenting their PVC Health Card or e Health Card. Treatment is provided at applicable CGHS rates.
- Medical expense reimbursement: Beneficiaries can claim reimbursement at CGHS rates for eligible treatment received at hospitals outside the approved network.
- Pre and post hospitalisation expenses: Coverage includes eligible consultations and medicines for 15 days before hospitalisation and 30 days after hospitalisation.
- Air ambulance or air travel support: Patients referred to a higher medical centre following an accident or during a critical medical condition may receive air ambulance or air travel support. Reimbursement exceeding Rs. 10 lakh for Category A and B beneficiaries is paid from the JSAS corpus fund, subject to applicable rules.
- Organ transplant expenses: The donor’s full medical expenses are also covered through trust mode in organ transplant cases.
- Lifelong coverage for differently abled employees: Eligible differently abled government employees can continue receiving benefits throughout their lives, including after retirement.
- Free registration and Health Card: Eligible beneficiaries can register without paying a fee and receive a free PVC Health Card.
25 Serious Illnesses Covered Up to Rs. 10 Lakh
- All types of cancer, including chemotherapy and oral chemotherapy
- Organ transplantation
- Kidney diseases and kidney transplantation
- Liver diseases and liver transplantation
- Acid attack injuries
- Wiskott Aldrich syndrome
- Thalassaemia and blood dyscrasia
- Bone marrow transplantation
- Plastic surgery for post trauma deformities and burn injuries
- Retinal detachment
- Serious head injuries, including craniotomy and critical care
- Heart diseases, including CABG with IABP and open heart surgery
- Continuous renal replacement therapy in the ICU
- Proliferative diabetic retinopathy
- Tracheo oesophageal fistula surgery
- Meningoencephalocele surgery
- Penetrating keratoplasty
- Brain haemorrhage
- Congenital deformities, including facial cleft and microtia
- Cochlear implantation
- Duchenne muscular dystrophy
- Juvenile nasopharyngeal angiofibroma
- Blood related diseases
- Neurosurgery
- Total joint replacement
The scheme may include additional diseases in this list based on the Health Minister’s recommendations, whenever required.
Coverage So Far
- More than 6 lakh beneficiaries covered, including over 1.74 lakh registered employees and their dependants
- More than 1,000 empanelled hospitals in the network
Note: Employees who already have private health insurance can also remain enrolled under SEHIS. The scheme can provide an additional layer of financial protection against eligible medical expenses, subject to its applicable terms and conditions.
Eligibility Conditions Required to be Fulfilled
The State Employees Health Insurance Scheme (SEHIS), also known as Rajya Karmi Swasthya Bima Yojana, covers eligible government employees, pensioners and other specified groups under three beneficiary categories. Serving State Government employees must join the scheme, while pensioners and other eligible groups can enrol by paying the prescribed annual premium. Registered members can also include eligible dependent family members.
Beneficiary Categories
| Category | Eligible Beneficiaries | Premium |
|---|---|---|
| Category A | All serving employees of the State Government | Rs. 500 per month, compulsory and deducted from salary |
| Category B | Pensioners and family pensioners, current and former MLAs, serving and retired All India Services officers, serving and retired employees of boards, corporations and institutions, and teaching and non teaching staff of state universities and affiliated colleges | Rs. 6,000 per year |
| Category C | High Court advocates registered with the Jharkhand Advocates Welfare Fund Trustee Committee | Rs. 6,000 per year through collective payment |
Eligible Dependent Family Members
- Husband or wife of the enrolled beneficiary
- Son, including a legally adopted son, up to 25 years of age
- Unmarried daughter, until marriage
- Widowed or deserted daughter, until remarriage
- Dependent parents receiving a pension of less than Rs. 9,000 per month
- Parents in law of women employees
- Minor brother and unmarried sister
- Differently abled family members, who may receive lifelong coverage under the applicable rules
Special Rules to Remember
- A woman employee can include either her own parents or her parents in law under the scheme, but she cannot include both groups.
- If both husband and wife work as State Government employees, neither can list the other as a dependent. They must also include their children as dependants under only one parent’s enrolment.
- Differently abled government employees can continue receiving scheme benefits throughout their lives, even after retirement.
Documents Required to be Attached
Applicants can register for the State Employees Health Insurance Scheme (SEHIS), also known as Rajya Karmi Swasthya Bima Yojana, through the official online portal. The DDO or designated verifying officer checks the submitted details before approving the registration. Keep the following documents and information ready to complete the process smoothly and receive your PVC Health Card without unnecessary delays.
For All Applicants
- Registered mobile number for login and OTP verification
- Aadhaar Card of the applicant
- Recent passport size photograph
- Current residential address for delivery of the PVC Health Card
Category Specific Details
| Category | Required Details |
|---|---|
| Category A (Serving Employees) | Employee ID, department details and DDO information |
| Category B (Pensioners and Others) | Pension or service details, PPO number for pensioners, and details of the concerned board, corporation, university or college, wherever applicable |
| Category C (Advocates) | High Court enrolment details and registration details with the Jharkhand Advocates Welfare Fund Trustee Committee |
For Dependent Family Members
- Aadhaar Card and photograph of each dependent family member
- Age proof for sons and daughters
- Relationship proof, such as a marriage certificate or birth certificate
- Pension proof for dependent parents showing a monthly pension below Rs. 9,000
- Disability certificate for differently abled dependants seeking lifelong coverage
For Reimbursement Claims
- SEHIS e Health Card or PVC Health Card
- Original hospital bills and payment receipts
- Hospital discharge summary, prescriptions and medical test reports
How Beneficiaries Can Apply to Avail the Benefit of this Scheme
Eligible beneficiaries can register for the State Employees Health Insurance Scheme (SEHIS) free of cost through the official website or mobile app. The process involves entering your personal details, adding eligible family members and submitting the application for verification. Once your details are approved and the applicable payment requirements are completed, the insurance company sends a free PVC Health Card to your registered address.
Registration Through the SEHIS Web Portal
Step 1: Visit the official SEHIS portal to begin your registration.
Step 2: Click on Employee Login. If you do not have an account, select the registration option to create one.
Step 3: Enter your mobile number and create your account by following the instructions on the screen. Keep this number active because you may need it to receive an OTP and log in later.
Step 4: Log in using your password or OTP. Fill in your personal information and employment or pension details according to your beneficiary category.
Step 5: Add the details of every eligible family member you want to include in the scheme. Enter their names, ages, relationships and other information carefully.
Step 6: Check all the information before submitting the form. Once you submit it, your application goes to your department’s DDO or designated verifier for online verification.
Registration Through the SEHIS Mobile App
Step 1: Download the SEHIS Employees Insurance mobile app from the Google Play Store.
Step 2: Open the app and register using your mobile number. Follow the instructions displayed on your screen to complete the registration.
Step 3: Enter your personal and employment details. Then add the information of your eligible dependent family members, just as you would on the official website.
Step 4: Review the information and submit your application. Your DDO or designated verifier will check the details before approving your registration.
What Happens After You Register
Step 1: After you submit the application, your DDO or designated verifier checks the information online. If any details are incorrect or incomplete, the verification process may take longer.
Step 2: After verification, the applicable payment process depends on your beneficiary category. For Category A employees, Rs. 500 is deducted from the monthly salary. Category B beneficiaries pay Rs. 6,000 per year through the online payment gateway after verification. Category C advocates make payment through the collective payment process.
Step 3: Once the required formalities are complete, the insurance company sends your free PVC Health Card to your registered address. You can also download your e Health Card from the official SEHIS portal.
How to Get Cashless Treatment and Claim Reimbursement
After receiving your Health Card, you can use the scheme to pay for eligible medical treatment in two ways. You can receive cashless treatment at a network hospital, or you can pay the medical expenses yourself and apply for reimbursement later. Follow the steps below to understand both processes.
Cashless Treatment at a Network Hospital
Step 1: Before admission. Keep your e Health Card or Health Card for the current policy year ready. Visit the official SEHIS portal and check the empanelled hospital list to find a hospital that provides the treatment you need.
Step 2: At admission. Visit the selected hospital and show your Health Card along with a valid identity card. The hospital staff will register your details and send a cashless treatment request to the insurance company or Third Party Administrator (TPA).
Step 3: During treatment. The insurance company or TPA checks your request according to the policy rules. Once the required approval is granted, you can receive eligible treatment without paying the covered expenses upfront.
Step 4: At discharge. The hospital sends the approved medical bills to the insurer for settlement. You may need to pay for services or expenses that the policy does not cover. Ask the hospital to explain any amount you must pay before completing the discharge process.
Reimbursement Claim for Treatment Paid by You
Step 1: Inform the scheme about your treatment. If you have already paid for your treatment, inform the scheme through email, the call centre or a visit to the designated office. Follow the applicable claim procedure and keep a record of your communication.
Step 2: Submit the required documents. Collect your medical bills, payment receipts, discharge summary, prescriptions and test reports. Submit the required claim documents to the district office, send them by courier or deliver them directly to the TPA office, as applicable.
Step 3: Wait for claim processing. The concerned authority registers and checks your claim according to the scheme rules. If the claim is approved, the eligible amount is reimbursed at applicable CGHS rates.
How to Download Your Health Card
Step 1: Open the official SEHIS portal and log in using your registered mobile number, password or OTP.
Step 2: After logging in, look for the Download Health Card option and open it.
Step 3: Download your e Health Card and save it on your phone. You can also print a copy and carry it when visiting a hospital for treatment.
Important: If you face any difficulty with registration, reimbursement claims or hospital services, call the 24×7 SEHIS helpline at 1800 3455 027 or contact your district’s District Coordinator for assistance.
Important Links Available of the Scheme
- State Employees Health Insurance Scheme Official Portal
- Download the SEHIS Employees Insurance Mobile App
- Government of Jharkhand Official Website
Contact Details in Case of Help Needed
- Implementing Agency: Jharkhand State Arogya Society, Health, Medical Education and Family Welfare Department, Government of Jharkhand
- Address: 2nd Floor, Health Directorate Building, RCH Campus, Namkum, Ranchi, Jharkhand – 834010
- Toll-Free Helpline (24×7): 1800-3455-027
- Helpline Mobile: 741-007-8570
- District Help: District Coordinators are available in all 24 districts
Frequently Asked Questions (FAQs)
Ans. The State Employees Health Insurance Scheme (SEHIS), also known as Rajya Karmi Swasthya Bima Yojana, is a health insurance scheme launched by the Government of Jharkhand. It provides cashless medical treatment to eligible state government employees, pensioners, other covered groups and their dependent family members.
Ans. The Jharkhand State Arogya Society (JSAS) manages the scheme under the Health, Medical Education and Family Welfare Department of the Government of Jharkhand.
Ans. The scheme provides Rs. 5 lakh per family per year for general illnesses and coverage of up to Rs. 10 lakh for 25 listed serious illnesses.
Ans. If treatment for a listed serious illness exceeds Rs. 10 lakh, the scheme can provide further financial support through trust mode, subject to the applicable rules.
Ans. Category A employees pay Rs. 500 per month. The department deducts this amount directly from their salaries.
Ans. Pensioners and other eligible Category B beneficiaries must pay an annual premium of Rs. 6,000 through the online payment gateway after verification.
Ans. Yes. High Court advocates registered with the Jharkhand Advocates Welfare Fund Trustee Committee can enrol under Category C by paying Rs. 6,000 per year through the applicable collective payment process.
Ans. Yes. Current and former Members of the Legislative Assembly are included under Category B, subject to the scheme’s eligibility conditions.
Ans. Eligible family members include the spouse, sons up to 25 years of age, unmarried daughters, widowed or deserted daughters, dependent parents receiving a pension below Rs. 9,000 per month, minor brothers, unmarried sisters and differently abled family members, subject to the applicable rules.
Ans. Yes. A woman employee can include either her own parents or her parents in law under the scheme. She cannot include both groups at the same time.
Ans. Yes. The scheme provides coverage for eligible medical expenses during the 15 days before hospital admission and the 30 days after discharge. This includes applicable consultations and medicines.
Ans. Yes, subject to the scheme’s applicable rules. Treatment at a non empanelled hospital is not cashless. Eligible expenses may be reimbursed at applicable CGHS rates.
Ans. You can register through the official SEHIS portal or the SEHIS Employees Insurance mobile app. After you submit your details, your DDO or designated verifier checks the information online.
Ans. No. Registration and the PVC Health Card are free for eligible beneficiaries.
Ans. Yes. In eligible accident or critical medical cases that require referral to a higher medical centre, air ambulance or air travel support may be available. The applicable expenses are met through the JSAS corpus fund, subject to the scheme’s rules.
Ans. You can call the 24 hour SEHIS helpline at 1800 3455 027 or 741 007 8570. You can also contact the District Coordinator in your district for help with registration, claims or other scheme related issues.
Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.