Health insurance goes beyond hospitalization—it covers OPD visits, medicines, ambulance charges, preventive checkups, and even alternative treatments, giving you all-around financial security.
Check health insurance plans with comprehensive coverage
Get Quote
Health plans from leading insurers | Comprehensive coverage | Offers multiple optional add-ons to enhance coverage
Renewing your Deen Dayal Swasthya Seva Yojana (DDSSY) card is a simple process that helps you continue receiving cashless healthcare benefits. This guide explains the scheme’s features, eligibility, required documents, claim process, and renewal steps, making it easier to understand how DDSSY supports eligible residents of Goa.
In Summary
The Deen Dayal Swasthya Seva Yojana (DDSSY) is a government-backed health scheme that provides eligible Goa residents with cashless medical treatment through empanelled hospitals. It offers financial assistance for a wide range of approved medical procedures.
Key Points
- Offers annual cashless health coverage of up to Rs. 4 lakh, depending on family size.
- Available to Goa residents who have lived in the state for at least five years.
- Covers hundreds of approved medical procedures at empanelled hospitals.
- Renewal is available online and through DDSSY Kendras.
- Simple pre-authorisation process through participating healthcare providers.
Government health schemes like DDSSY can help reduce treatment costs for eligible families. If you're looking for broader medical coverage beyond government benefits, Explore plans that match your healthcare priorities. .
Deen Dayal Swasthya Seva Yojana (DDSSY): An overview
The table below provides a quick overview of the Deen Dayal Swasthya Seva Yojana.
| Particulars | Details |
| Scheme name | Deen Dayal Swasthya Seva Yojana (DDSSY) |
| Introduced by | Goa State Government |
| Launched on | 30 May 2016 |
| Objective | To improve access to quality medical treatment, surgeries, and healthcare services through government and empanelled private hospitals in Goa. |
| Eligibility | Residents who have been living in Goa for five years or more. |
What are the features of Deen Dayal Swasthya Seva Yojana?
The Deen Dayal Swasthya Seva Yojana provides cashless healthcare services with financial support for eligible beneficiaries. Its key features include:
- Annual Coverage: Families with up to three members can receive coverage of up to Rs. 2.5 lakh per year, while families with four or more members are eligible for coverage of up to Rs. 4 lakh annually.
- Flexible Family Coverage: The insured amount can be used by one or multiple eligible family members based on their treatment needs.
- Additional Coverage Option: Beneficiaries can choose higher coverage by paying an additional premium without affecting the benefits available under the government scheme.
- Extensive Treatment List: The scheme covers 447 approved medical procedures across empanelled healthcare facilities.
Read more: Ladli Behna Yojana
Pro tip
Eligibility criteria for DDSSY
The Deen Dayal Swasthya Seva Yojana is available to residents who meet the prescribed eligibility conditions.
- Eligible applicants: Residents who have lived in Goa for five years or longer can apply under the scheme.
- Who is not eligible?: Central Government and Goa State Government employees who already receive government medical reimbursement benefits are not eligible for DDSSY.
Documents required for Deen Dayal Swasthya Seva Yojana (DDSSY)
Applicants should keep the following documents ready while applying or renewing their DDSSY card.
| Document | Purpose |
| Aadhaar Card or Aadhaar Enrolment Acknowledgement Slip | Identity proof for every family member above five years of age |
| Residence Proof | Passport, Voter ID Card, or Driving Licence issued in Goa at least five years earlier |
| Ration Card | Proof of family details |
| Marriage Certificate | Required for the spouse if the ration card is unavailable |
| Birth Certificate or School Passing Certificate | Identity proof for dependent children |
| Declaration | Required for unemployed parents |
| OBC (Non-Creamy Layer) Certificate with Income Certificate | Required for eligible OBC applicants with annual income below Rs. 6 lakh |
| SC/ST Caste Certificate | Issued by the competent authority |
| Disability Certificate | Required for eligible differently abled applicants |
How Do I Claim Cashless Treatment Under DDSSY?
Given below are the steps to claim benefits under the Deen Dayal Swasthya Seva Yojana:
Step 1: The beneficiary can visit the Empanelled Health Care Provider (EHCP) listed on the website.
Step 2: After consulting with the doctor at the EHCP, if the surgery is covered under the scheme and is available at that EHCP, the patient proceeds to the hospital's DDSSY Sahayak with the Card.
Step 3: The Sahayak raises a pre-authorisation request to the ISA pre-authorisation doctor.
Step 4: Alternatively, if the beneficiary knows the required procedure, they can check the website to identify which EHCP performs it.
Step 5: The beneficiary can then choose a hospital from the list of EHCPs empanelled for the procedure and visit it accordingly.
Check your Body Mass Index, using BMI Calculator
What is the DDSSY card?
The Deen Dayal Swasthya Seva Yojana (DDSSY) card is issued to every registered beneficiary under the scheme. It serves as proof of enrolment and enables eligible individuals and families to access cashless treatment at empanelled healthcare providers across Goa.
Health Insurance in different cities
Health Insurance in Bangalore
Health Insurance in Jaipur
Health Insurance in Pune
Health Insurance in Mumbai
Health Insurance in Kerala
Compare types of Health Insurance Plans
Tax-savings plans for you
What our customer say about us
+ Customers
Play Store Rating
Reviews
Arjun Mehta
13 Jul 2025
I opted for the Health Infinity plan for my parents. The digital onboarding was incredibly fast with no medical tests required since they are under 50. We had a minor daycare procedure last month, and the cashless approval came through in less than 2 hours. Very impressed with the efficiency.
Priya Sharma
28 Feb 2025
The Bajaj Finance Health app is a lifesaver. I use it for my regular OPD consultations and medicine orders. The 10% discount on pharmacy bills and the easy reimbursement for doctor visits make it much more than just a 'hospitalization' policy. It’s daily health support.
Sneha Kapoor
15 Mar 2025
Switched my family floater to Bajaj General this year. The network of hospitals in my city (Pune) is excellent. The only downside was a slight delay in getting my physical card, but the digital copy on the app works everywhere. The 'Wellness Rewards' for hitting step goals is a cool touch!
How do I renew my DDSSY card online?
Given below are the steps to download the DDSSY card using different portals:
Online renewal
- Step 1: Register yourself on the official website (goaonline.gov.in/) and click on login.
- Step 2: Click on the ‘Services’ option, followed by ‘All Services.’ Then click on ‘Directorate of Health Services’, followed by the ‘Deen Dayal Swasthya Seva Yojana (DDSSY)-Renewal’ option.
- Step 3: Then select ‘Services Type’ and ‘Renewal or Renewal with Updation.’
- Step 4: Enter your DDSSY card number. To validate the number, an OTP will be sent to your registered mobile number.
Step 5: Review the details on the screen and proceed to make the payment. Upon successful payment, a receipt will be generated, and your card will be renewed.
DDSSY Kendra
- Step 1: Please visit your center strictly upon receiving the SMS notification on the scheduled date and time indicated in the message.
- Step 2: Renewals will only be processed according to the scheduled appointment (date and time) provided. If you miss your appointment, please await the next appointment SMS.
- Step 3: Please ensure you carry your DDSSY card, Aadhar Card, and renewal fees to the DDSSY centre.
DDSSY card renewal fee
The annual renewal charges for the Deen Dayal Swasthya Seva Yojana are given below.
| Category | Annual Renewal Fee |
| Family of up to 3 members | Rs. 200 |
| Family of 4 or more members | Rs. 300 |
| Concession | 50% discount for eligible OBC, SC, ST, and differently abled beneficiaries with valid documents. |
Overall, Deen Dayal Swasthya Seva Yojana enables accessible healthcare needs for all. It is also important for people to buy health insurance schemes in general and be enrolled into either private or government health schemes for easy and accessible healthcare facilities for all.
Conclusion
The Deen Dayal Swasthya Seva Yojana (DDSSY) makes quality healthcare more accessible by offering cashless treatment and financial support to eligible residents of Goa. While DDSSY provides valuable cashless healthcare benefits, additional health insurance can offer wider coverage and greater financial support during unexpected medical situations. Get quote to find a plan that complements your healthcare needs.
Explore and stay informed
Can you buy health insurance on EMI
Why buy health insurance
Health Insurance for family
Health Insurance Claim settlement ratio
Health Insurance waiting period
Importance of health insurance
Health Insurance for Senior Citizens
Health Insurance tax benefits
Health Insurance for parents
Health Insurance premium calculator
Health Insurance for Other Diseases
Antral Gastritis
Hepatomegaly Symptoms Causes & Treatment
Blood Pressure Range
PCOS Causes and Symptoms
Health insurance for Obesity
Frequently Asked Questions
Coverage and Benefits
Claims and Policy Management
Are there cashless medical facilities under Deen Dayal Swasthya Seva Yojana?
Yes, DDSSY offers cashless medical treatment through a network of empanelled hospitals across Goa. Eligible beneficiaries can receive coverage for approved medical procedures, with annual benefits of up to Rs. 2.5 lakh or Rs. 4 lakh based on family size, reducing the financial burden of hospitalisation and treatment.
How can I renew my DDSSY card online?
You can renew your DDSSY card by logging in to the official Goa Online portal, selecting the DDSSY renewal service, verifying your card number through OTP authentication, reviewing your details, and paying the applicable renewal fee. After successful payment, your renewal is completed, and a receipt is generated for future reference.
What is the eligibility and coverage limit for the DDSSY scheme?
The Deen Dayal Swasthya Seva Yojana (DDSSY) is a health insurance scheme launched by the Government of Goa to provide cashless healthcare coverage to eligible residents.
Eligibility
To be eligible for the DDSSY scheme, you must:
- Be a resident of Goa.
- Have been living in Goa for at least five years.
- Apply as part of a family unit, which includes:
- Spouse
- Unmarried children
- Dependent parents (or dependent in-laws in the case of a female applicant)
- Note that Central and State Government employees and their families covered under government medical reimbursement schemes are not eligible for DDSSY.
Coverage limit
DDSSY provides cashless hospitalisation coverage with the following annual limits:
- Up to ₹2.5 lakh per year for families with three or fewer members.
- Up to ₹4 lakh per year for families with four or more members.
The sum insured can be used individually or collectively by eligible family members during the policy year.
How do I register for or renew a DDSSY card online?
You can register for a new Deen Dayal Swasthya Seva Yojana (DDSSY) card or renew an existing one through the Goa Government's online portal. Create an account or log in, select the relevant DDSSY service (New Enrolment or Renewal), fill in the required details, upload the necessary documents, and pay the applicable fee online. Once your application is processed, you'll receive further instructions regarding card issuance or collection.
Is cashless hospitalization available?
Yes, almost every senior citizen policy offers cashless treatment at the insurer's network of hospitals.
Are free annual health check-ups included?
Yes, some insurance partners offer free annual health check-ups as part of the policy to help monitor vital health statistics.
How much does health insurance for senior citizens cost?
Premiums are generally higher than standard plans because they reflect the higher health risks associated with age. Costs depend on entry age, pre-existing diseases, gender, and the chosen sum insured.
Is there a limit on premium hikes?
As per the IRDAI directive (Jan 2025), insurers cannot increase premiums by more than 10% annually without prior approval from the regulator.
What are the tax benefits under Section 80D?
Senior citizens (or children paying for them) can claim tax deductions of up to ₹50,000 for premiums paid. If a senior citizen has no insurance, they can claim deductions for actual medical expenditures supported by bills.
What is Section 80DDB?
This section allows a separate tax deduction for expenses incurred on specified diseases (like cancer or Parkinson's). A valid prescription from a specialist is required.
Is Pradhan Mantri health insurance available?
Yes. Under the AB-PMJAY (Ayushman Bharat) expansion announced in late 2024, all senior citizens aged 70 and above are eligible for free health coverage of up to ₹5 lakh per family per year on a floater basis.
With whom should I submit claim documents?
Thanks to digitalization, you can raise claims online. You can contact the insurer directly for both cashless approvals and reimbursement claims.
Is it worth buying even if premiums are high?
Yes, it is considered a vital investment because it protects retirement savings from being wiped out by high medical inflation and lifestyle-related diseases common in old age.
Articles and Insights
Disclaimer
*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Co. Limited , Star Health & Allied Insurance Co. Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third-party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finance Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.
Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.