Bhamashah Yojana: Benefits, Coverage & Eligibility

Bhamashah Card offers Rs. 30,000 yearly insurance for general illnesses and up to Rs. 3 lakh for critical illnesses per family under the state health scheme.
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3 min
08-May-2025

Launched by the Rajasthan state government, the Bhamashah Yojana has transformed how social welfare and financial inclusion reach citizens—especially women. By offering direct cash transfers and simplified access to government services, the scheme plays a key role in improving the socio-economic status of households across the state. In this article, we’ll break down the key benefits, eligibility criteria, features, and overall coverage of the Bhamashah Yojana.

Bhamashah Yojana: An overview

Given below is a brief overview of Bhamashah Swasthya Bima Yojana:

Scheme name

Bhamashah Yojana

Launched by

State Government of Rajasthan

Launched in

2008

Coverage

Up to Rs. 5 lakh

Objective of the scheme

Empowering and integrating women in Rajasthan into the financial system.

 

What is the Bhamashah Yojana?

The Bhamashah Yojana, initiated by the Rajasthan government, aims to empower women and enhance their financial inclusion. It serves as the state's maiden stride towards digitalisation, offering women financial autonomy. This scheme ensures the seamless transfer of government benefits to eligible women, fostering transparency and simplicity. Upon opening a bank account, beneficiaries typically receive their Bhamashah Yojana card within 2-3 months. Since its inception in 2008, approximately 50 lakh women have applied for it, resulting in the opening of around 29 lakh accounts for accessing various scheme benefits.

Who is eligible for Bhamashah Yojana

To benefit from the Bhamashah Scheme, the applicant must be a resident of Rajasthan with a valid Jan Aadhaar or Bhamashah card. The scheme primarily targets women as the head of the family to ensure financial empowerment, enabling direct transfer of government benefits into linked bank accounts.

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Features of Bhamashah Yojana

The Bhamashah Yojana facilitates the direct transfer of government benefits to the recipient's account, thereby combating corruption. Discussed below are the features of the scheme:

  • This initiative aims to channel State Government benefits directly to deserving women in society.
  • Over 1.5 million women have availed themselves of the opportunity to open bank accounts and access scheme benefits through the program.
  • Qualified students and individuals with disabilities receive the Bhamashah Card as part of the initiative.
  • Men can also acquire the Bhamashah card by paying a nominal fee of either Rs. 20 or Rs. 25.
  • Additionally, the Bhamashah Card offers medical insurance coverage ranging from Rs. 30,000 to Rs. 3 lakh for impoverished and disadvantaged individuals during medical emergencies.
  • Using the biometric system, women possessing the Bhamashah Card can purchase rations from shops.

Eligibility criteria for Bhamashah Yojana

To qualify for the Bhamashah Yojana, individuals must meet the following criteria:

  • Children must be enrolled in government schools and colleges to gain admission for coaching exam preparation.
  • Adults seeking financial aid to initiate a business venture.
  • Women striving to assert their identity and emerge as leaders.
  • Patients in need of medical treatment requiring financial assistance for procedures.

What is a Bhamashah card?

Under this scheme, eligible applicants, typically women, receive the Bhamashah card. This card is linked to the beneficiary's bank account. Once the Bhamashah card is prepared, applicants receive notifications via their registered mobile numbers. Family members of women with a Bhamashah Yojana card are also entitled to benefit from the scheme. The card facilitates core banking services and biometric identification.

Through direct fund transfers to their bank accounts, women receive various cash benefits under this scheme. Additionally, eligible students are provided with the Bhamashah card, enabling them to access scholarship benefits.

Benefits of Bhamashah card

Discussed below are the benefits of the Bhamashah card:

  • Scholarships to support education: The scheme provides financial assistance to students from eligible families, enabling them to pursue school and higher education without the burden of tuition fees or related expenses.

  • Financial aid for startups and new ventures: Aspiring entrepreneurs can access funding support through the Bhamashah Scheme, helping them launch small businesses or self-employment initiatives to achieve economic independence.

  • Cashless medical treatment for critical illnesses: Beneficiaries are entitled to free or subsidised medical care for specific treatments and illnesses at empanelled government and private hospitals, ensuring timely and accessible healthcare.

  • Automatic identification for ration subsidy: Individuals and families are automatically identified for subsidised or free ration distribution under the Public Distribution System (PDS), ensuring food security for vulnerable groups.

  • Skill training for women’s career advancement: The scheme empowers women by offering access to specialised vocational and professional training programs, equipping them with the skills needed to pursue careers or start their own ventures.

Documents required to apply for Bhamashah card

Given below is the list of documents required to apply for Bhamashah card:

  • A copy of the application
  • Caste certificate
  • Experience letter (for businesses)
  • Birth certificate
  • Identity proof (Aadhaar card, Ration card, etc.)

Bhamashah card apply online

If any updates are required on the Bhamashah card, beneficiaries can conveniently make the changes online through the official Bhamashah portal. The following details can be modified:

  • Addition of a new family member
  • Marriage of a family member
  • Death of a family member
  • Change in residential address
  • Update of key details such as bank account information
  • To access and edit these details, the applicant must log in using their SSO ID on the Bhamashah portal.

Bhamashah Card Apply Offline

  • Step 1: Visit the nearest eMitra kiosk or Common Service Center (CSC) with all required documents.
  • Step 2: The eMitra operator will assist you in completing the application form and uploading the necessary paperwork.
  • Step 3: Once submitted, your application will go through a verification process by the concerned authorities.
  • Step 4: Upon successful verification, the Bhamashah card will be delivered to your registered address.

Conclusion

The Bhamashah Yojana emerges as a crucial lifeline, offering financial support and opportunities to countless families across Rajasthan. With a focus on health insurance, this initiative not only secures medical assistance but also paves the way for a healthier tomorrow. By empowering women, aiding businesses, and ensuring access to education and healthcare, the scheme embodies the government's commitment to upliftment and prosperity for all its citizens.

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Frequently asked questions

What is the Bhamashah health scheme?

The Bhamashah Swasthya Bima Yojana, crafted by the Rajasthan State Government, is a cashless health insurance program. It extends treatment coverage of up to Rs. 30,000 for common ailments and Rs. 3 lakh for severe illnesses to all eligible participants.

What is the purpose of Bhamashah Yojana?

The Bhamashah Yojana strives to grant women financial autonomy, marking Rajasthan's inaugural move towards digitalisation. Transparently, it channels governmental scheme benefits, both monetary and otherwise, directly to women, simplifying the process.

When did Bhamashah Yojana start in Rajasthan?

Launched in 2008, the Rajasthan Bhamashah Yojana aims to empower women and foster their financial inclusion.

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