100% CASHLESS GOVERNMENT SCHEME BIHAR & JHARKHAND BENEFICIARIES NO CASH DEPOSIT REQUIRED

100% Cashless Medical & Surgical Treatment under Ayushman Bharat (PM-JAY) & CAPF

Comprehensive tertiary care and specialized surgeries available without cash deposit for eligible ration card holders, government beneficiaries and defense personnel across Bihar and Jharkhand.

WhatsApp Aarogya Mitra Share with Family

₹0

Out of Pocket Cost

₹5 Lakh

Annual Family Cover

15,000+

Patients Treated

24x7

Assistance Helpdesk

Aarogya Mitra Helpdesk

Ground Floor, Opp. Counter #2

Dedicated executives assist with BIS Golden Card matching, pre-auth verification, biometric fingerprint scanning, and cashless sanction within 30 minutes of hospital reporting.

Helpdesk Working Hours:

24x7 Emergency Admissions • OPD Timings: 08:00 AM - 08:00 PM

Helpline: +91 9304242833 Emergency Unit: +91 9931195710

HASSLE-FREE ADMISSION PROCESS

Dedicated Ayushman Bharat & CAPF Assistance Counters

Our dedicated helpdesk executives facilitate biometric authentication and cashless paperwork smoothly.

Ground Floor Reception

PM-JAY Helpdesk Counter #1

First contact point for card verification, token issuance, and patient registration with dedicated Aarogya Mitra assistance.

Instant Document Verification

Pre-Auth Desk

BIS Golden Card Generation Desk

Biometric matching via Aadhaar and instant creation of Ayushman Golden Cards for eligible ration card holders.

Biometric NHA Portal Link

In-Patient Care

Patient & Attendant Care Desk

Clean ward bed allotment, free surgical kits, dietary provisioning, and coordinated nursing support.

Zero Deposit Admission

100% ZERO HIDDEN CHARGES

Transparent Beneficiary Protections

Strict adherence to National Health Authority (NHA) treatment guidelines.

100% Zero Out-of-Pocket

No registration fees, no doctor consultation fees, and zero charges for surgical procedures or ICU beds.

Free Pre & Post Care

All diagnostic investigations up to 3 days prior and necessary medicines for 15 days after discharge are covered.

In-House Pharmacy

High-grade surgical consumables, stents, antibiotics, and medicines are dispensed directly without patient expense.

Priority Admission

Immediate bed allocation and swift surgical planning without unnecessary administrative delays.

STEP-BY-STEP ADMISSION

How to Avail 100% Cashless Treatment

Simple 4-step roadmap for patients visiting Kusum Hospital Saguna More Campus.

Document Submission

Visit our Aarogya Mitra Counter on Ground Floor and present your Patient Aadhaar Card & Ayushman Golden Card / Ration Card.

Biometric Verification

Our coordinator verifies beneficiary credentials on the National Health Authority TMS/BIS portal using OTP or biometric scan.

Pre-Auth Approval

The clinical team generates a treatment pre-authorization package. Approval is typically sanctioned within 30 minutes.

Surgery & Cashless Discharge

Procedure is performed in our modular OT. Patient is discharged after recovery with free discharge medicines and zero bills.

APPROVED PACKAGES

Treatments Covered under PM-JAY & CAPF

Extensive surgical and medical disciplines empanelled for full cashless coverage.

Urology & Laser Stone

PCNL (Percutaneous Nephrolithotomy)
URSL (Ureteric Stone Fragmentation)
Bladder Calculus Cystolithotripsy
Prostate TURP for Enlarged Prostate

Laparoscopic GI Surgery

Laparoscopic Cholecystectomy (Gallbladder)
Inguinal, Umbilical & Incisional Hernia
Acute Appendicitis Appendectomy
Hydrocele, Fissure & Fistula Repair

Orthopaedics & Trauma

Compound & Simple Fracture Fixation
Intramedullary Nailing & Plating
Closed Reduction & Plastering
Tendon & Soft Tissue Trauma Repairs

Gynaecology & Obstetrics

Normal Delivery & Caesarean Section (C-Section)
Abdominal & Vaginal Hysterectomy
Ovarian Cystectomy & Ectopic Pregnancy
D&C and Pelvic Infection Care

Pulmonology & Critical Care

Severe Pneumonia & Acute Respiratory Failure
COPD & Severe Status Asthmaticus
Pleural Effusion & Intercostal Drainage
ICU Ventilator & BiPAP Support

Neurosurgery & Spine

Head Injury & Craniotomy for Hematoma
Spinal Decompression & Discectomy
Neurotrauma Critical Care Management
ICP Monitoring & Neurological Rehabilitation

ADMISSION REQUIREMENTS

Mandatory Documents Checklist

Please bring original and 2 sets of photocopies of the following documents to avoid any delay during cashless pre-authorization:

1. Ayushman Golden Card / PM-JAY Card

Original card or digital e-card on Ayushman App.

2. Patient's Original Aadhaar Card

Aadhaar card mandatory for biometric thumb/OTP verification.

3. Active Ration Card (NFSA / State Health List)

Required to establish family tree verification on BIS database.

4. CAPF Force Identity Card (For Defence Beneficiaries)

Service card & dependent card for paramilitary forces.

5. Previous Medical Prescriptions & Investigation Reports

Ultrasonography, CT scan, or blood reports (if already conducted).

Wondering if your card is valid for Ayushman PM-JAY?

Send a clear photo of your Ration Card or Aadhaar number on WhatsApp. Our Aarogya Mitra desk will verify your eligibility on the National Health Authority database within 10 minutes.

Aarogya Mitra WhatsApp Desk:

+91 9304242833

WhatsApp Your Documents Now Speak with Coordinator

PARAMILITARY WELFARE

Ayushman CAPF Dedicated Cashless Healthcare for Paramilitary Forces

Serving personnel and dependents of CRPF, BSF, CISF, ITBP, SSB, Assam Rifles, and NSG can avail complete cashless in-patient care, surgery, and diagnostics at Kusum Hospital under the Ayushman CAPF reimbursement and cashless health cards.

Fast-Track Force Verification

No Financial Outlay

In-House Dedicated Force Coordinator

CAPF Liaison Desk

Assistance for Paramilitary Jawans & Families

Call CAPF Desk: +91 9304242833

CLEAR ANSWERS

Common Queries Regarding Ayushman Bharat

Answers to frequently asked questions regarding PM-JAY admission at Kusum Hospital.

NO. Not a single rupee is required. The treatment, medicines, surgeon fees, operation theater charges, room stay, and food are 100% cashless under PM-JAY and CAPF schemes.

If your name is listed on an active NFSA Ration Card or SECC database, our Ground Floor BIS desk can generate your Ayushman Golden Card on the spot via Aadhaar biometric authentication.

Yes. As per National Health Authority guidelines, medicines required for 15 days following discharge are given free of cost from the hospital pharmacy.

Absolutely. In acute emergencies (trauma, acute appendicitis, severe stone colic), the patient is admitted immediately under emergency pre-auth protocol. Document verification is completed by the morning desk.