MP Mukhyamantri Karamchari Swasthya Bima Yojana 2021 Apply Process / List / Benefits / Details

Over the past year, people have realised the importance of better healthcare and the issues that can arise if the healthcare sector is not prioritised. It is no surprise that ever since the onset of the coronavirus pandemic, governments all over the world have directed efforts and resources towards improving healthcare and creating awareness in the minds of the people that healthcare should be a priority in every household. To emphasise the point more, the government of Madhya Pradesh announced the MP Mukhyamantri Karamchari Swasthya Bima Yojana 2021.

About the MP Mukhyamantri Karamchari Swasthya Bima Yojana 2021

The Madhya Pradesh government has decided to initiate the scheme which aims to benefit roughly around 12 lakh 55 thousand staff personnel and functionaries. The Scheme would essentially provide medical facilities of up to ₹5 lakh per annum and up to ₹10 lakh per annum for treatment of serious medical ailments to each family.

The state government, through the implementation of the scheme, aims to ensure the Right to Health to each and every employee working in the state government. The poor in the state would have their medical needs met by the Ayushman Bharat Yojana or MP state government health insurance scheme.

Process to apply for the Karamchari Swasthya Bima Yojana

The applicant who wishes to register for the scheme has to follow this process:

To login, the applicant has to visit the official website:

The user ID is the Treasury Unique Employee Code whose password can be obtained from the Drawing and Disbursing Officer (DDO) or Password can be reset through OTP of the mobile number entered in IFMIS.

After the login is done, follow these steps:

  1. HRMIS -> ESS (Employee self service) -> E-profile -> Family detail
  2. Enter details of the family member(s) like name, date of birth, relationship with the employee, bank details, education, member’s address, etc. Information can be entered and uploaded along with scans of documents attached
  3. Click on “Add” in order to add more members
  4. Finally, click on submit.

The request will then be sent to the Verifier’s task list in the hierarchy. After approval, the process of adding or updating a family member will be completed.

Who can avail of the benefits of the MP Karamchari Swasthya Bima Yojana?

  • Regular government employees
  • All contractual employees
  • Teacher cadres
  • Retired employees
  • Civil servants
  • Full-time employees getting salary from a contingency fund
  • Employees working in autonomous institutions of the state

Salient features of the scheme

The scheme benefits offered under the scheme are listed here:

  • Under the Health insurance scheme for government employees, patients will get free treatment or free medicine up to ₹10 thousand every year as OPD
  • Each family will get free medical treatment up to ₹5 lakh per annum for general treatment
  • Each family will get free medical treatment up to ₹10 lakh for serious treatments
Karamchari Swasthya Bima

Wrapping it up

Health insurance, in this day and age, has become a necessity. One needs to understand that it should not take a pandemic to realise the importance of good health. With the implementation of this scheme, government employees can now feel protected and looked after.

Similar Yojanas

Schemes launched by the state government

The state governments of India are the next important government bodies right after the central government of the country. The state governments constitute 28 states and 8 union territories

India is a democratic and republic country wherein highest authorities and powers are proffered to the central government. For the state government, real executive powers are given to Chief Minister as he is responsible for heading the Council of Ministers. The state governments of India work toward internal security, such as police department, social welfare, public health betterment and other similar state-related issues. The state government of the country earns its employee income from sales tax services, stamp duty services, and from some parts of GST.

The state governments have launched a variety of schemes so far. Some of the examples are as follows:

In Andhra Pradesh, Chandranna Bima Yojana, National Energy Efficient Agriculture Pumps Program, and Smart Pulse Survey have been launched. In Assam, Mass Rapid Transit System has been recently launched. In Maharashtra, Police Pratisaad Ask services and various schemes for the betterment of farmers have been launched. In Karnataka, PM Santwana Harish Yojana, and Housing scheme for Transgenders have been launched. In Uttar Pradesh, Deen Dayal Upadhyay Gram Jyoti Yojana, Hausla Paushan scheme, and Swadhar Greh yojana have been launched.

The state government of India monitors both rural and urban development. However, it is not feasible for the state government to monitor all rural and urban local government bodies. Thus, based on the provided funding and coverage, rural and urban local entities create development plan whenever required. These government entities work in close association with planning commission and local or regional government sectors and authorities.

Apart from these schemes, the state government also ensures the effective implementation of centrally sponsored schemes in respective states.