GJAY Odisha | Apply, Health Card, Beneficiary List, Balance

In a state like Odisha where medical expenses can become a huge burden on low-income families, the Gopabandhu Jan Arogya Yojana – GJAY comes as a much needed relief.

Introduced in 2025, it is a free health insurance scheme by the Odisha government, promising cashless treatment across government and empaneled private hospitals. And here’s the exciting part — it offers up to ₹10 lakh cover per year for women!

What is the GJAY Scheme?

The GJAY scheme, launched by the Government of Odisha, provides free health insurance to nearly 70 lakh families. It offers ₹5 lakh coverage per family per year, and ₹10 lakh for women, promoting both universal healthcare and women’s health equity.

Integrated with Ayushman Bharat (PMJAY), this scheme allows for a seamless hospital experience under a single health card.With an aim to reduce out-of-pocket expenses, it covers the cost of surgeries, hospital stays, diagnostics, and medicines for both rural and urban poor.

It combines the power of central government’s AB-PMJAY scheme and adds extra benefits under the state umbrella. Families can use the unified health card in empaneled hospitals, not just in Odisha but across India.

GJAY Scheme Explained

Let’s break it down a bit more.

The Gopabandhu Jan Arogya Yojana, commonly known as GJAY, is Odisha’s flagship health program, replacing the Biju Swasthya Kalyan Yojana (BSKY).

Rolled out in April 2025, the scheme targets 3.52 crore individuals from over 1.08 crore families — ensuring no one gets left behind when it comes to healthcare.

Here’s what stands out:

• ₹5 lakh cover per family per year
• ₹10 lakh annual cover for female beneficiaries
• Special support for senior citizens and critical illness patients
• Access to both public and private hospitals
• Unified GJAY-AB PMJAY card — no need to carry separate cards!

GJAY Odisha: Why It Matters

Odisha’s healthcare challenges are unique — from tribal belts with limited access to urban poor struggling with private hospital costs. The Odisha health insurance is designed to bridge these gaps by offering universal health coverage.

The scheme doesn’t just help the poor; it empowers women, reduces medical debt, and ensures that no illness pushes a family into poverty. The Odisha government has earmarked ₹5,450 crore for this scheme in FY 2024-25 — a serious investment in people’s well-being.

This also contributes to India’s larger goal under Ayushman Bharat — making quality healthcare accessible and affordable for every citizen.

How Does GJAY TMS Work?

Now, here’s the tech bit. It uses a Transaction Management System (TMS) to track claims, hospital reimbursements, and beneficiary usage. This digital system helps hospitals submit claims faster and allows government departments to monitor expenses and treatment quality in real time.

Thanks to TMS, the cashless treatment model under Gopabandhu Jan Arogya Yojana runs smoothly and transparently.

Who Was Gopabandhu?

This scheme is named after Utkalmani Gopabandhu Das, one of Odisha’s most respected freedom fighters and reformers. A champion of education, healthcare, and upliftment of the poor, Gopabandhu Das dedicated his life to social service.

By naming the scheme after him, Odisha honors his dream of a healthier and more equitable society.

GJAY Eligibility: Who Can Apply?

Wondering if you or your family qualify for Gopabandhu Jan Arogya Yojana?

Let’s make it simple.

✅ You must be a permanent resident of Odisha
✅ Your annual family income should be below ₹3 lakh
✅ You should not be an income tax payer or government employee
✅ Existing cardholders of Biju Krushak Kalyan Yojana (BKKY) or RSBY can also apply
✅ You may be eligible even if you’re not covered under Ayushman Bharat

This inclusive design ensures that even those who fall between the cracks of other schemes can receive free treatment under Odisha’s Gopabandhu Jan Arogya Yojana.

How to Apply Online for GJAY?

Applying for the Gopabandhu Jan Arogya Yojana health card online is pretty simple. You just need an internet connection, a few documents, and about 10–15 minutes.

Here’s how:

1. Visit the official GJAY portal
2. Click on “Apply Online”
3. Fill in your details: Name, Aadhaar, Address, Income Certificate
4. Upload required documents
5. Submit and note down your application number for tracking

Once verified, you’ll be issued a Gopabandhu Jan Arogya Yojana health card, which can be downloaded from the portal.

GJAY Portal Explained

Think of the Gopabandhu Jan Arogya Yojana portal as your control room. Here’s what you can do from the website:

• Check application status
• Download your GJAY health card
• View empaneled hospital list
• Track claim and treatment history
• Check your balance left under the ₹5 lakh or ₹10 lakh cap
• Access the beneficiary list for your district

This user-friendly website makes navigating your health benefits easier than ever before.

How to Check Your GJAY Balance?

Want to see how much of your coverage you’ve used this year?

1. Log in to the GJAY portal
2. Go to the “Balance Check” section
3. Enter your card or family ID
4. View remaining balance instantly

This is super useful if you’ve already undergone treatment and want to know your eligibility for future claims.

GJAY Health Card Download Process

Need a fresh copy of your health card?

Follow these steps:

1. Go to the GJAY website
2. Log in with your mobile number or Aadhaar
3. Click on “Download GJAY Health Card”
4. Save and print it for hospital use

This health card allows cashless hospital admission in both Odisha and empaneled hospitals in other states.

GJAY Beneficiary List – Are You On It?

To check if your family is covered:

1. Visit the portal’s “Beneficiary List” section
2. Select your district, block, and village
3. Search by name or ration card number
4. View the list and download for reference

If your name is missing, you can still apply if you meet the eligibility criteria.

Lastly

The GJAY is more than a health scheme — it’s a lifeline for millions in Odisha. From treating a sick child to helping a mother get heart surgery, it is changing lives every day.

With its generous coverage, user-friendly digital portal, and wide network of hospitals, it sets a benchmark in public health insurance in India.

If you or someone you know lives in Odisha, don’t miss out on this opportunity. Check your eligibility, apply online, and get your health card today — because everyone deserves a healthy, dignified life.

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