Asangathit Karmakar Gambhir Bimari Chikitsa Sahayata Yojana: A Lifeline for Unorganised Workers in West Bengal

Unorganised worker

Must be engaged in any notified unorganised trade or profession as listed by the West Bengal Unorganised Workers’ Welfare Board.

Registration

Must be a registered beneficiary under the Board.

Age

Generally between 18 to 60 years at the time of registration.

Health condition

Must be diagnosed with a serious illness as defined under the scheme guidelines, such as cancer, kidney failure, cardiac surgery, neurological disorders, etc.

Treatment facility

Treatment must be received at a recognised government or listed private hospital.

Insurance alternative

For informal workers who don’t have access to health insurance, this scheme acts as a financial safety net. It directly supports high-cost treatments like cancer care, cardiac surgery, or dialysis, without needing to buy a health insurance policy.

Reduces out-of-pocket spending

Without financial support, many workers postpone or skip treatment entirely. Knowing that help is available encourages early diagnosis and timely intervention, which often leads to better health outcomes.

Complements existing government insurance schemes

While other government schemes exist, not all unorganised workers qualify or are enrolled. This state-level initiative fills the coverage gaps, especially for those who get left out of national programs.

Promotes social equity in healthcare

This scheme helps make healthcare more equal by making sure even those without a salaried job or formal insurance can get access to proper treatment and medical support. It gives unorganised workers the same chance to fight a critical illness as anyone else.