Assam Arogya Nidhi Scheme 2025: Financial Assistance for Critical Medical Treatment Up to ₹3 Lakh

The Health & Family Welfare Department of Assam started the Assam Arogya Nidhi (AAN) Scheme to offer financial help to households below the poverty line (BPL) or earning less than ₹5 lakh yearly. This aid pays for life-threatening procedures and injuries from natural or human calamities like accidents.

Key Benefits:

  • Up to ₹3 lakh financial help for life-threatening illnesses and disaster-related injuries.
  • Heart operations, cancer treatments, renal diseases, and more are supported.
  • Coverage for BMT procedures and industrial, agricultural, road, rail, and bomb explosion accidents.
  • Treatment available in all Assam government, medical college, and authorized private hospitals.

Eligibility Criteria:

  • Indian citizens who are residents of Assam.
  • Family income of the applicant should be less than ₹5 lakh per year.
  • No age limit for applicants.
  • Government employees and pensioners are not eligible.
  • Treatment must be sought in government hospitals or empanelled private hospitals as per the scheme guidelines.

How to Apply for the Assam Arogya Nidhi Scheme:

Application Process (Offline):

  1. Download Application: Visit the official website of National Health Mission (NHM) Assam at https://nhm.assam.gov.in/schemes/assam-arogya-nidhi to download the prescribed application form.
  2. Submit the Form: Fill in the application and submit it to the NHM, Assam or the Joint Director of Health Services at the district level.
  3. Verification by Expert Committee: An expert committee consisting of specialist doctors from Guwahati Medical College will review the applications.
  4. Approval and Fund Disbursement: Based on the committee’s recommendations, financial assistance is disbursed either directly to the beneficiary’s bank account or reimbursed to the hospital.

Key Guidelines:

  • For applicants with PMJAY or AAA cards, they should first use cashless treatment under these programs before applying for AAN.
  • Assam Arogya Nidhi Scheme, not normal medical costs, covers special instances.

Documents Required:

  1. Photograph of the patient (attested by the doctor).
  2. Income certificate attested by the Revenue Circle Officer.
  3. Proof of identity and address (Voter ID, Aadhar Card, Driver’s License).
  4. Bills, receipts, vouchers for medical treatment.
  5. Medical documents (e.g., prescriptions, discharge summary, hospital records).
  6. Bank details (attested photocopy of the first page of the bank passbook).
  7. PMJAY/AAA card if available.

Frequently Asked Questions (FAQs)

  • The Assam Arogya Nidhi Scheme?
    It funds treatments for life-threatening illnesses and disaster-related injuries.
  • How much financial aid am I eligible?
    Maximum ₹3 lakh for approved medical care.
  • This plan covers which diseases?
    Heart illness, cancer, renal disease, bone marrow transplants, and major accidents.
  • Where can I avail of treatment under the scheme?
    Financial assistance is admissible in government hospitals, medical colleges, and recognized private hospitals.
  • Who decides who receives the benefits?
    An expert committee comprising specialist doctors from Guwahati Medical College will assess and approve applications.
  • Is this scheme applicable only for Assam residents?
    Yes, only permanent residents of Assam are eligible.
  • Can government employees or pensioners apply?
    No, government employees and pensioners and their families are not eligible.
  • How do I apply for the scheme?
    Download the application from the NHM website, fill it out, and submit it to NHM Assam or the District Health Services.
  • How is the financial assistance provided?
    The assistance is provided either through direct bank transfer to the beneficiary or reimbursed to the hospital for medical expenses.
  • Can I reapply if I am already availing of another scheme?
    If you have a PMJAY or AAA card, you must avail of treatment under those schemes first. If not, you can apply directly under AAN.

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