Introduction to Mukhyamantri Gambhir Bimari Upchar Yojana (MGBUY)

The Mukhyamantri Gambhir Bimari Upchar Yojana , or Chief Minister Serious Disease Treatment Scheme, is a crucial initiative launched by the Government of Jharkhand. Implemented by the Department of Health, Medical Education & Family Welfare, this scheme aims to provide significant financial assistance to permanent residents of Jharkhand who are battling severe and life-threatening diseases.

The primary objective of MGBUY is to alleviate the immense financial burden that critical illnesses place on families, ensuring that no eligible resident is denied access to necessary advanced medical treatment due to economic constraints.

This scheme is a testament to the Jharkhand government's commitment to public health and welfare.

Key Features and Financial Assistance

The Mukhyamantri Gambhir Bimari Upchar Yojana offers substantial support to eligible patients:

• Financial Assistance: The scheme provides financial assistance of up to ₹10,00,000/- (Rupees Ten Lakhs Only) per patient for the treatment of specified serious diseases. This amount was recently enhanced from a previous limit of ₹5 lakh to ensure more comprehensive support.
• Direct Benefit Transfer (DBT): The sanctioned grant amount is disbursed directly to the empaneled hospitals where the patient is undergoing treatment. This ensures transparency and efficient utilization of funds.
• Wide Network of Hospitals: Treatment under MGBUY can be availed in both government and empaneled private hospitals, located within Jharkhand and also in other states, offering patients access to specialized medical facilities across the country.
• Specific Disease Coverage: The scheme targets a defined list of critical illnesses, ensuring focused support for high-cost treatments.

MGBUY acts as a critical lifeline for families facing the challenges of severe health crises.

Eligibility Criteria for MGBUY Jharkhand

To avail benefits under the Mukhyamantri Gambhir Bimari Upchar Yojana, applicants must fulfill the following criteria:

• Residency: The applicant must be a permanent resident (domicile) of Jharkhand state.
• Annual Family Income: The gross annual income of the applicant's family from all sources must be below ₹8,00,000/- (Rupees Eight Lakhs Only). This income criterion must be met for three consecutive preceding financial years.
  • Note: This income limit is not applicable for victims of acid attacks, who are eligible for assistance regardless of their family income.
• Covered Disease: The applicant must be suffering from one of the specific serious illnesses listed under the scheme (refer to the "Diseases Covered" section below).
• Exclusion from Other Schemes: Generally, applicants who are already receiving financial assistance for the same medical condition from other government health schemes (such as Ayushman Bharat Pradhan Mantri Jan Arogya Yojana - PMJAY / Mukhyamantri Abua Swasthya Suraksha Yojana) are not eligible. However, exceptions may apply if the specific condition is not covered or the allocated funds under other schemes have been exhausted.

It is crucial to adhere to all eligibility requirements as stipulated in the latest official guidelines for successful application.

Diseases Covered Under the Scheme

Initially, the scheme covered a limited number of critical diseases, but the Government of Jharkhand has expanded the list to include more conditions requiring high-cost treatments. Currently, approximately 21 specific critical illnesses are covered. The major diseases include:

• All types of Cancer
• Kidney Transplant (including related treatment costs)
• Severe Liver Diseases (including conditions requiring Liver Transplant)
• Treatment and Rehabilitation for Acid Attack Victims
• Brain Hemorrhage
• Thalassemia
• Bone Marrow Transplant
• Coronary Artery Bypass Grafting (CABG)
• Retinal Detachment
• Duchenne Muscular Dystrophy
• Wiskott-Aldrich Syndrome
• Blood Dyscracia
• And several other critical conditions as per the latest government notification.

For the complete and most current list of covered diseases, applicants should refer to the official notifications issued by the Department of Health, Medical Education & Family Welfare, Jharkhand.

Application Process for MGBUY

The application process for the Mukhyamantri Gambhir Bimari Upchar Yojana is primarily offline, requiring submission of documents at the district level. Here are the general steps:

1. Obtain Income Certificate: Secure an income certificate from the Circle Officer (CO), Block Development Officer (BDO), Sub-Divisional Officer (SDO), or District Collector (DC), clearly stating the annual family income for the last three consecutive years is below ₹8 lakh.
2. Get Medical Report: Obtain a detailed medical report, diagnosis, and a recommendation for the required treatment from a specialist doctor at a recognized government hospital or an empaneled institution. The report should clearly state the severity of the disease and the necessity of the proposed treatment.
3. Collect Application Form: Obtain the prescribed application form from the office of the Civil Surgeon of your concerned district. It may also be available for download on the official website of the Department of Health, Medical Education & Family Welfare.
4. Fill and Attach Documents: Fill out the application form accurately and completely. Attach all the necessary supporting documents (refer to the "Required Documents" section below).
5. Submit Application: Submit the filled application form along with all required documents to the office of the Civil Surgeon in your district.
6. Verification and Approval:
   • The application will first be scrutinized by a District-level Medical Board (usually headed by the Civil Surgeon), which will verify the medical documents and recommend the case.
   • Subsequently, the application moves to a District-level Committee (often chaired by the Deputy Commissioner or a designated authority) for final approval.
7. Fund Disbursal: Upon approval, the financial assistance amount will be directly transferred to the empaneled hospital where the patient is scheduled for treatment. The funds are usually disbursed via electronic transfer or bank draft.

It is highly recommended to seek guidance from the Civil Surgeon's office for the most precise and up-to-date application procedures and forms.

Required Documents for Application

Applicants need to prepare the following documents for submission:

• Recent Passport-size Photograph of the applicant.
• Aadhaar Card of the applicant (mandatory).
• Jharkhand Domicile/Residential Certificate.
• Latest Income Certificate (issued by a competent authority, proving annual family income for the last three consecutive years is below ₹8 lakh).
• Detailed Medical Report/Diagnosis from a specialist doctor, clearly stating the disease, stage, and recommended line of treatment.
• Estimated Cost of Treatment from the empaneled hospital where the treatment is planned.
• Bank Passbook copy (front page showing account number, IFSC code, and account holder's name clearly).
• Identity Proof (e.g., Voter ID Card, PAN Card, Driving License).
• Ration Card (if applicable, for verification of family details).
• Consent Form for treatment at the empaneled hospital.
• Any other document as specified in the official application form or notification.

Ensure all documents are self-attested or attested by a gazetted officer as required, and are clear and legible.

Important Points and Official Resources

• Scheme Complementarity: MGBUY often works in conjunction with or as a supplementary scheme to other major state or central health insurance programs like Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) or Mukhyamantri Abua Swasthya Suraksha Yojana, for conditions or costs not covered by them.
• Empaneled Hospitals: A comprehensive list of government and private hospitals empaneled under MGBUY is maintained by the Health Department. Patients must seek treatment in these empaneled hospitals to avail the scheme's benefits. This list is subject to updates.
• Scheme Updates: Information regarding the scheme's rules, covered diseases, income limits, and empaneled hospitals may be updated periodically. Always rely on the latest official notifications.

Contact Information and Official Resources:

• Implementing Department:
  Department of Health, Medical Education & Family Welfare,
  Government of Jharkhand.
• Address:
  Project Bhawan, Dhurwa,
  Ranchi - 834004, Jharkhand.
• Official Government Website (for Health Dept. related information):
  https://jharhand.gov.in/ (Navigate to the "Departments" section and find "Health, Medical Education & Family Welfare").
• For Application Forms and Guidance:
  Please contact the office of the Civil Surgeon in your respective district or the District Administration office. They are the primary points of contact for MGBUY applications.

For the most accurate and up-to-date details, it is highly recommended to directly contact the Civil Surgeon's office in your district or visit the official website of the Department of Health, Medical Education & Family Welfare, Government of Jharkhand.