Deen Dayal Swasthya Seva Yojana (DDSSY)

Deen Dayal Swasthya Seva Yojana (DDSSY), introduced on September 1st, 2016, is a groundbreaking initiative by the Government of Goa to revolutionise healthcare accessibility for its residents.

Targeting individuals who have resided in Goa for at least five years, this scheme extends a robust health insurance umbrella over eligible beneficiaries, epitomising a paradigm shift in healthcare provisions within the state.

At its core, DDSSY endeavours to alleviate the financial strain associated with medical emergencies by facilitating cashless healthcare services. The scheme's structure is designed to cater to varying household compositions, with annual coverage ranging from ₹2.50 lakhs for families comprising three or fewer members to ₹4 lakhs for larger families.

This inclusive approach ensures that families of all sizes can avail themselves of the benefits afforded by DDSSY, shielding them from the debilitating impact of medical expenses. Since its inception, DDSSY has emerged as a beacon of hope for Goa's populace, promising access to high-quality medical treatment, hospitalisation, and surgical interventions at nominal costs.

DDSSY underscores the government's unwavering commitment to prioritising public health, as evidenced by its proactive stance towards implementing initiatives geared towards fostering a healthier society.

Through strategic partnerships with empanelled hospitals and healthcare facilities, the scheme ensures seamless delivery of services, thereby fortifying its position as a catalyst for transformative change in Goa's healthcare landscape.

The following core objectives drive the Deen Dayal Swasthya Seva Yojana (DDSSY):

Financial Protection: The program aims to relieve residents of Goa and their families of the financial burden that comes with healthcare expenses by providing them with access to reimbursement as well as cashless treatment facilities.

Universal Health Coverage: DDSSY strives to achieve universal health coverage, ensuring that every resident of Goa has access to essential healthcare services.

Provision of Quality Healthcare: The DDSSY scheme is committed to enhancing and positively increasing the quality of healthcare services by enlisting a network of hospitals, nursing homes, and medical professionals that meet stringent criteria. The state government aims to ensure that the beneficiaries receive top-tier medical care.

DDSSY eligibility extends to:

• Individuals who have been residents of the State of Goa for a minimum of five years.

• The eligible person's family includes their spouse, unmarried children, and dependent parent(s) or in-laws (in the case of eligible females). This family unit cannot be separated.

• Employees of the Central/State Government and their families who are already covered under government medical reimbursement schemes are not eligible for coverage under DDSSY.

The following documentation is required for enrollment in Deen Dayal Swasthya Seva Yojana (DDSSY):

• Proof of residence for the eligible individual: This could be in the form of a Passport, Residence certificate, Election card, or Driving licence issued at least 5 years ago in Goa.

• For individuals belonging to SC/ST communities: Caste certificate issued by the Director of Tribal Welfare or Deputy Collector.

• For individuals belonging to the OBC non-creamy layer: Caste Certificate issued by the Deputy Collector along with an income certificate demonstrating an income of less than ₹6.00 Lakhs per annum.

• For differently-abled individuals: Disability certificate issued by a Medical Board.

• Aadhar Card or Enrolment Acknowledgement slip for every family member aged above 5 years (mandatory).

• Ration card for family identification. If a ration card is unavailable, the following documents must be provided:

• Marriage Certificate for the spouse.

• Birth certificate or school leaving certificate for dependent children.

• Declaration confirming that dependent parents are not employed.

Yearly Coverage Cap: The annual coverage cap for insurance benefits is as follows:**

• Families with four or more members may receive coverage of up to ₹4 lakhs annually.

• For families consisting of three or fewer members, the coverage may extend up to ₹2.50 lakhs annually.

• The claim amount will never exceed ₹4.00 lakhs per year, ensuring financial protection against healthcare expenses.

Additional Coverage Option: Individuals have the option to enhance their coverage by opting for a higher level of insurance from the company upon payment of a higher premium. Significantly, this choice does not affect government policies and facilities.

Cashless Benefits: Beneficiaries of the scheme are entitled to receive healthcare benefits on a cashless basis, up to the yearly coverage cap.

Flexible Utilisation: Family members can use the insurance benefits either individually or collectively, providing flexibility in accessing healthcare services.

Extensive Coverage: The scheme covers a wide range of medical procedures, with benefits extended to 447 specified procedures, ensuring comprehensive healthcare support.

Deen Dayal Swasthya Seva Yojana (DDSSY) can be registered through two modes. A detailed **Step-by-Step guide for both modes is provided below:

Online Application for Deen Dayal Swasthya Seva Yojana (DDSSY)

Step 01: Begin by visiting the official website of the Government of Goa and create an account to log in.

Step 02: Provide details of the eligible person or head of the family. Add details of all family members.

Step 03: Attach proof of residence, ensuring it covers a minimum of 5 years. Remember, all attached documents must be self-attested. Attach an Aadhaar card for each family member. For minors, attach a birth certificate if an Aadhaar card is unavailable.

Step 04: If you qualify for registration fee concessions, provide details of caste or income.

Step 05: Proceed to payment and pay the registration fees, structured as follows:**

For families of 4 or more members: Rs. 300/-

For families of 3 or fewer members: Rs. 200/-

• A 50% concession is available with appropriate documentation for OBC non-creamy layer, SC/ST, and differently-abled eligible persons.

Step 06: After payment, note down the Acknowledgement Number. for tracking.

Step 07: The DDSSY e-card, Deen Dayal Health Card, will be available for download after the respective office verifies and approves your application.

Step 08: Upon approval, collect your DDSSY card within 30 days from the selected office during application entry.

Step 09: All communication will be sent to the registered mobile number.

The recipient has the option to visit an Empanelled Health Care Provider (EHCP)

Following consultation with the physician, if the surgery is covered under the scheme and offered by the EHCP, the patient can approach the DDSSY Sahayak at the hospital with their Card.

The Sahayak will then initiate a request for pre-authorisation from the ISA pre-authorisation doctor. Alternatively, if the recipient wants to proceed with the treatment outside the state, here is the list of hospitals they can do the same.

Here are the Steps for the process of your Deen Dayal Swasthya Seva Yojana DDSSY Goa renewal online:

Step 01: Begin by registering yourself on the official website of the Government of Goa. Provide your email address, mobile number, name, address, and date of birth, and authenticate using OTP.

Step 02: Once successfully registered, log in using your credentials.

Step 03: Navigate to the Services Menu, select All Services, then DDSSY, and finally, Deen Dayal Swasthya Seva Yojana (DDSSY) - Renewal.

Step 04: Enter your DDSSY Card Number and search for member details.

Step 05: Generate OTP to verify your identity. The OTP will be sent out to your registered mobile number.

Step 06: Fill in (*) mandatory fields if you are renewing with updates.

Step 07: Upload relevant documents if you are renewing with updates.

Step 08: Proceed to pay the relevant fees.

Step 09: After successful payment, make a note of the Acknowledgement Number for tracking purposes.

Step 10: All communications regarding the renewal process will be sent to your personal mobile number registered with the Goa Government.

While DDSSY offers invaluable support, it's crucial to complement this scheme with a robust health insurance plan to safeguard against unforeseen medical expenses and ensure comprehensive coverage.

Tata AIG’s line of health insurance products revolutionises the insurance experience, including reliable health insurance for parents. With the convenience of selecting, comparing, and purchasing policies online from the comfort of your home or office, Tata AIG streamlines the insurance process, eliminating the need for long queues or extensive paperwork.

As DDSSY provides essential healthcare support, complementing it with a Tata AIG mediclaim policy offers comprehensive coverage, financial security, and peace of mind.

Since its inception, DDSSY has significantly transformed the healthcare landscape of Goa, providing accessible and affordable medical services to those in need. The scheme's provision of cashless treatment, extensive network of empanelled hospitals, and flexible coverage options have ensured that beneficiaries receive the care they deserve, irrespective of their socio-economic background.

By offering comprehensive medical insurance coverage, DDSSY has not only alleviated the financial burden associated with medical expenses but has also empowered individuals and families to seek timely and quality healthcare without hesitation.

DDSSY's emphasis on preventive healthcare and wellness initiatives underscores its proactive approach towards promoting a healthier population.