ANISHI

The Health Insurance (ANISHI) shall provide cashless treatment upto Rupees 5 Lakhs per patients per illness which include indoor and outdoor treatments.

The scheme “Andaman & Nicobar Islands Scheme for Health Insurance (ANISHI)” was launched by the Health Department, Union Territory of Andaman and Nicobar Islands on 26.01.2015. The scheme provides cashless medical treatment benefit upto ₹5.00 Lakhs per patient per illness to the people belonging to Below Poverty Level/Priority House Hold, Pensioners of A&N Administration who have settled in these Islands after retirement with their dependent family member and Permanent Resident whose family annual income is below ₹3.00 Lakhs. Many of these patients come from economically disadvantage backgrounds and are unable to bear the cost of hospital expense in mainland hospital. In order to provide assistance to such patients the Administration decided to lodge its own health Insurance Scheme which shall provide better health care to the persons.

The persons/patients of the following categories are eligible to avail the benefits under the scheme:

• The person who belongs to the BPL category settled in the A&N Islands can avail of the benefits under the scheme.
• The Government pensioners of the A&N Administration who have settled in these Islands after retirement with their dependent family members can avail of the benefits under the scheme.
• The permanent resident of the Andaman & Nicobar Islands whose family annual income is below ₹3.00 Lakhs can avail of the benefits under the scheme.

• The Health Insurance (ANISHI) shall provide cashless treatment upto ₹5 Lakhs per patients per illness which include indoor and outdoor treatments.
• Free travel expenses for patients with one attendant shall be reimbursed (Bunk class fare).
• Critically ill patients, if referred under the scheme to travel by flight, will be entitled to reimbursement of the air ticket for the patient and one attendant.
• In the very rare case of a beneficiary falling sick during a personal visit to the mainland and who requires emergency treatment, benefits under the scheme can be availed of but the travel expenses will not be allowed.

Note: In case the beneficiary undergoes treatment or on his own gets admitted in empanelled/non-empanelled hospital without completing codal formalities at State Nodal Cell (ANISHI), the reimbursement of hospital expense for such cases ‘will not be allowed’ under the scheme.