Deen Dayal Swasthya Seva Yojana

Deen Dayal Swasthya Seva Yojana (DDSSY) is a state-level cashless health insurance programme launched by the Government of Goa to provide quality medical care, hospitalisation, and surgical treatment through empanelled public and private hospitals. As per official scheme details, DDSSY offers insurance coverage up to ₹4,00,000 per family annually, making significant healthcare support accessible to long-term Goa residents.

Deen Dayal Swasthya Seva Yojana (DDSSY) is a state-level health insurance programme launched by the Government of Goa on 30 May 2016 to provide universal cashless healthcare coverage to long-term residents of the state. Under the scheme, families that have lived in Goa for five years or more can receive annual medical coverage up to ₹2,50,000 for families of three or fewer members and up to ₹4,00,000 for families of four or more members for hospitalisation, surgery, and other covered treatments at government and empanelled private hospitals. The scheme covers 447 specified medical procedures, helping reduce out-of-pocket health expenditures.

Here are the key features of Deen Dayal Swasthya Seva Yojana, a Goa government initiative providing comprehensive cashless health coverage for eligible families.

• Launched in 2016 by the Government of Goa to provide universal health coverage.

• Cashless Treatment at empanelled government and private hospitals.

• Annual Coverage Limit:

  • Up to ₹2.5 lakh for families with ≤3 members
  • Up to ₹4 lakh for families with ≥4 members

• Eligibility: Residents of Goa with minimum 5 years of continuous residency.

• Procedure Coverage: Covers 447 approved medical and surgical procedures.

• Family-Based Benefit: Insurance cover can be used individually or collectively by family members.

• No Upfront Payment: Beneficiaries do not pay at the point of treatment.

• Optional Higher Cover: Individuals may opt for additional insurance at their own cost.

Here are the main objectives of Deen Dayal Swasthya Seva Yojana, aimed at providing accessible, affordable, and quality healthcare to eligible residents of Goa.

• Provide Universal Healthcare Access:

To ensure that all eligible residents of Goa can access quality medical treatment without financial hardship.

• Reduce Out-of-Pocket Expenses:

To minimise direct healthcare costs for families by offering cashless hospitalisation and treatment.

• Improve Quality of Medical Services:

To encourage the use of standardised treatment protocols and empanelled hospitals for better healthcare delivery.

• Support Long-Term Residents:

To prioritise healthcare support for individuals and families who have resided in Goa for five years or more.

• Strengthen Public–Private Healthcare Network:

To integrate government and private hospitals under a common health insurance framework.

• Enhance Social Security:

To provide financial protection against major medical expenses and promote overall well-being.

Under DDSSY, Goan families pay a nominal annual premium to receive cashless medical coverage with defined limits on healthcare benefits:

Source: Official scheme details published by the Government of Goa (https://www.myscheme.gov.in/schemes/ddssy)

To qualify for benefits under DDSSY, an applicant must meet all of the following conditions:

State Residency: Must be a resident of Goa.

Minimum Continuous Stay: Must have lived in Goa continuously for at least 5 years.

Family Definition: Coverage applies to all eligible family members as defined by ration card and supporting documents.

Required Documentation: Applicant must provide valid proof of identity, residence, and family composition (e.g., Aadhaar, election card, residence certificate issued 5+ years ago, ration card, or related certificates).

Note: Certain categories (e.g., OBC non-creamy layer, SC/ST, differently-abled persons) may need specific supporting certificates to access concessions.

Here are the step-by-step procedures to apply for Deen Dayal Swasthya Seva Yojana, including both online and offline methods.

Online Application Process

1. Visit the official Goa government portal: Goa Online – DDSSY New Enrollment — the platform for applying to DDSSY.

2. Register on the portal with your mobile number, e-mail, and details (name, address, OTP verification).

3. Log in using your credentials once registered.

4. Navigate to Services → All Services → DDSSY → Deen Dayal Swasthya Seva Yojana (DDSSY).

5. Fill in personal details for the head of family and all eligible members.

6. Upload required documents as per the checklist (see below).

7. Make the registration fee payment online (using net banking/UPI/debit/credit card).

8. After submission, note the acknowledgement number for tracking. DDSSY card will be issued after verification and approval.

Offline Application Process

1. Visit your local Panchayat office, Primary Health Centre, or designated DDSSY centre in Goa.

2. Request the DDSSY application form and assistance with filling.

3. Submit the completed form and supporting documents directly to the office.

4. Pay the registration fee at the office (based on family size).

5. The authority will process and verify your application — you’ll be informed when your DDSSY card is ready for collection.

Applicants must upload or submit self-attested copies of the following:

• Aadhaar Card / Enrolment Acknowledgement Slip for every family member aged above 5 years (mandatory).

• Residence Proof showing continuous residence in Goa for at least five years — such as Passport, Voter ID, Driving Licence, or Residence Certificate.

• Ration Card to define the family (if available); if unavailable, documents like marriage certificate, birth certificate for children, or declaration for dependent parents.

• For OBC (Non-Creamy Layer): Caste certificate issued by Deputy Collector plus income certificate showing annual income < ₹6,00,000.

• For SC/ST: Caste certificate from the Director of Tribal Welfare or the Deputy Collector.

• For Differently-Abled: Disability certificate issued by the Medical Board.

Important Links

• Register for DDSSY Online (Goa Online) – Official portal for new enrollment and application.

• Upload DDSSY Documents (Goa Online) – Upload application documents during online submission.

• DDSSY Card Status Check (Goa Online) – Check your card/application status using card/mobile number.

The DDSSY card must be renewed every year to continue receiving cashless healthcare benefits under the scheme run by the Government of Goa.

Here are the complete steps for renewing Deen Dayal Swasthya Seva Yojana, covering both online and offline processes, fees, and required documents.

Online Renewal Process

1. Visit the official portal: https://goaonline.gov.in

2. Log in using your registered mobile number/user ID.

3. Go to DDSSY Services → Renewal.

4. Verify family and personal details.

5. Upload updated documents (if required).

6. Pay the renewal fee online.

7. Submit and download the acknowledgement.

Offline Renewal Process

1. Visit your nearest Panchayat Office / PHC / DDSSY Registration Centre.

2. Submit the renewal form with required documents.

3. Pay the renewal fee at the centre.

4. Collect the receipt/acknowledgement.

Renewal Fee (Annual)

• Family up to 3 members: ₹200

• Family of 4 or more: ₹300

• Concessions available for eligible SC/ST/OBC/Disabled categories.

Documents Required for Renewal

• DDSSY Card (old)

• Aadhaar Cards of family members

• Residence proof (if updated)

• Ration card/family proof (if changed)

• Category certificate (if applicable)

Under Deen Dayal Swasthya Seva Yojana, beneficiaries receive cashless treatment for covered medical procedures at a network of empanelled hospitals recognised by the Government of Goa. These hospitals — both public and private — have agreements with the scheme to provide services such as consultations, diagnostics, surgeries, and hospitalisation without upfront payment, up to the family’s annual coverage limit.

• In-State Network:

A comprehensive list of approved empanelled healthcare providers (EHCPs) across Goa is maintained by the Directorate of Health Services and published on official government platforms. Beneficiaries can choose any of these empanelled hospitals to access covered procedures cashless.

• Out-of-State Treatment:

For specialised or emergency treatments not available within the state, some procedures may be allowed at empanelled hospitals outside Goa, provided pre-authorisation is obtained through the scheme’s processes and the hospital is recognised by the scheme’s administrator.

• Accessing the List:

The official list of empanelled hospitals is accessible on government websites such as the Goa Online portal and the Directorate of Health Services (Goa) webpage, where beneficiaries can view or download the updated hospital network.

Here are the latest updates on Deen Dayal Swasthya Seva Yojana, including the start of renewals for 2025-26 and discussions on expanding coverage and benefits.

Renewal for the 2025-26 Policy Year Started

The renewal of DDSSY cards for the policy period 1 April 2025 to 31 March 2026 has begun. Beneficiaries need a valid, renewed card to access cashless treatment at empanelled hospitals in Goa.

Calls for Expanded Coverage

Local political groups have recently urged the state government to expand DDSSY coverage to ₹10 lakh per family and increase the number of procedures and hospitals under the scheme, citing rising healthcare costs.

For assistance related to enrollment, renewal, hospital empanelment, or technical issues under DDSSY, beneficiaries may contact the following nodal officers:

Source - https://www.myscheme.gov.in/schemes/ddssy