Biju Krushak Kalyan Yojana (BKKY) - Health Insurance for Farmer Families

Why it matters

Gives farming families cashless health insurance cover so a medical emergency does not force them into debt or a forced sale of land/crop.

What you get

Biju Krushak Kalyan Yojana provides farmer households in Odisha with cashless health insurance coverage for hospitalization, recognising that medical emergencies are one of the most common reasons smallholder farmers fall into debt traps or distress-sell assets. The scheme has historically been bundled with or run alongside the state's broader Biju Swasthya Kalyan Yojana (BSKY) health coverage architecture, extending coverage specifically to farming households identified through agriculture department records, with cashless treatment available at empanelled government and private hospitals across the state.

Eligibility criteria

• Member of a farming household in Odisha as identified through agriculture department/KALIA records
• Valid state resident ID
• Household not already covered under an equivalent central health scheme for the same beneficiary, per scheme rules

How to apply

1. 1

   Verify eligibility through the local Agriculture office or Gram Panchayat using KALIA/farmer records

2. 2

   Obtain the BKKY/health smart card

3. 3

   Avail cashless treatment at empanelled hospitals using the card

Documents required

• Aadhaar card
• Farmer household identification (KALIA card or equivalent)
• Ration card/residence proof