ANISHI
Andaman & Nicobar Islands Scheme for Health Insurance
6.5/10The Health Insurance (ANISHI) shall provide cashless treatment upto Rupees 5 Lakhs per patients per illness which include indoor and outdoor treatments.
States / UT: Andaman and Nicobar Islands
Nodal department: Health Department
Scheme for: Individual
Scheme profile
DBT (direct benefit transfer): No
Scheme open date: 2015-01-26
Categories: Health & Wellness
Sub-categories: Health Insurance
Target beneficiaries: Individual
Tags: ANISHI, Health, Insurance, Cashless Treatment, Patient
Details
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.
Benefits
- 1. The Health Insurance (ANISHI) shall provide cashless treatment upto ₹5 Lakhs per patients per illness which include indoor and outdoor treatments. 1. Free travel expenses for patients with one attendant shall be reimbursed (Bunk class fare). 1. 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. 1. 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
- 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.
Eligibility
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.
How useful is this scheme?
A practical look at this scheme for citizens
AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.
- Accessibility6.0
- Financial impact9.5
- Rural utility5.0
- Awareness4.5
- Simplicity4.0
- Inclusivity7.0
What problem does this scheme solve?
The scheme provides essential health insurance coverage for economically disadvantaged individuals in the Andaman and Nicobar Islands, facilitating access to medical treatment.
Key challenges addressed
- High medical expenses for economically disadvantaged individuals
- Access to cashless treatment for patients
Most beneficial for
- Individuals from Below Poverty Level
- Government pensioners
- Permanent residents with low annual income
Likely challenges
- Complex application process
- Limited awareness among potential beneficiaries
- Dependency on local healthcare facilities
Practical insights for citizens
Practical for residents but challenging for those unfamiliar with the process
Rural challenges
- Limited access to healthcare facilities
- Awareness of the scheme
Digital challenges
- Low digital literacy
- Limited online resources
Implementation bottlenecks
- Dependence on local hospitals
- Need for timely processing at Nodal Cell
Awareness challenges
- Low awareness among eligible populations
- Need for outreach programs
Application analysis
- Application mode
- Offline office
- Documents burden
- Minimal, but requires formalities at Nodal Cell
- Verification complexity
- Moderate, requires approval from Nodal Cell
- Office dependency
- High, as it requires visiting the Nodal Cell
- DBT dependency
- None
- CSC support
- Limited
- Estimated citizen effort
- Moderate, involves multiple steps
Estimated beneficiary reach
Benefit analysis
- Benefit type
- In Kind
- Benefit frequency
- Per illness
- Benefit practicality
- High, as it covers significant medical expenses
- Financial meaningfulness
- High, with coverage up to ₹5 Lakhs
- Long-term impact
- Positive, as it improves access to healthcare for vulnerable populations
Plain-language guidance
The ANISHI scheme offers cashless health insurance for eligible residents of the Andaman and Nicobar Islands, covering up to ₹5 Lakhs per illness. It aims to help those who cannot afford medical expenses.
- Who should apply
- Individuals from Below Poverty Level, government pensioners, and low-income permanent residents.
- Who may struggle
- Those unfamiliar with the application process or lacking access to local healthcare facilities.
- Best application route
- Apply via the Nodal Cell at the DHS Office in person.
This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.
Application Process
Offline
Step 01: The eligible person(s)/patient can avail of the cashless benefit in any empanelled hospital notified by the Administration from time to time ‘by completing the codal formalities at Nodal Cell (ANISHI)’.
Step 02: The patient is to be referred by the concerned specialist of GB Pant Hospital, Port Blair thereafter, he/she has to approach the Nodal Cell (ANISHI) located at the DHS Office for the cashless benefit of the scheme.
Step 03: The state Nodal Cell processes the case within 02 days and after obtaining approval of the Chairman ANISHI, orders are issued to the empanelled hospital to provide cashless benefit to treat the referred patient under the ANISHI Scheme.
Note 01: In case the beneficiary is on his personal visit to the mainland and had fallen sick requiring emergency treatment and gets admitted to one of the empanelled hospitals under the scheme, the Medical Superintendent /Director of the concerned empanelled hospital in the mainland will have to first inform the Nodal Officer (ANISHI) about the particulars of the patient and his/her clinical condition.
Note 02: The State Nodal Cell after verification of records convey the approval to treat the patient as per the guidelines of the scheme, however, the patient/relatives have to submit the documents as the case may be.
Note 03: In such cases, the travel expense to the patient /attendant will not be reimbursed. If the patient gets admitted in a ‘hospital which is not empanelled’ under the scheme, then the benefit will be extended only if the patient is shifted to the nearest empanelled hospital under the scheme.
(Application Form)
Clarifications
Additional points from the scheme information published on myScheme (not legal advice).
- What is ANISHI?
ANISHI stands for Andaman & Nicobar Islands Scheme for Health Insurance. It was launched by the Health Department, Union Territory of Andaman and Nicobar Islands on January 26, 2015.
- Who can avail benefits under the scheme?
Individuals belonging to Below Poverty Level (BPL), Government pensioners of A&N Administration who settled in the islands after retirement with their dependent family members, and permanent residents with a family annual income below ₹3.00 Lakhs are eligible.
- What are the benefits offered by the scheme?
The scheme provides cashless medical treatment up to ₹5 Lakhs per patient per illness, including both indoor and outdoor treatments. It also covers travel expenses for patients and one attendant, with provisions for flight reimbursement in critical cases.
- How does the reimbursement process work for travel expenses?
Patients and one attendant are entitled to reimbursement of travel expenses (bunk class fare) if they need to travel for medical treatment. In critical cases requiring air travel, the air ticket expenses for the patient and one attendant are reimbursed.
- Can patients avail treatment outside of the Andaman & Nicobar Islands under the scheme?
Yes.
- What are the steps involved in the application process for ANISHI?
Step 1: Eligible patients complete codal formalities at the Nodal Cell (ANISHI). Step 2: Patients are referred by specialists at GB Pant Hospital, Port Blair. Step 3: The State Nodal Cell processes the case and issues orders to empanelled hospitals for cashless treatment.
- Are there any exceptions to the reimbursement policy for hospital expenses?
Yes, reimbursement of hospital expenses will not be allowed if the patient undergoes treatment without completing codal formalities at the State Nodal Cell (ANISHI).
- Can individuals who are not permanent residents of Andaman & Nicobar Islands avail the scheme benefits?
No.
- Can beneficiaries choose any hospital for treatment under the scheme?
Beneficiaries can avail treatment only at empanelled hospitals notified by the Administration. Treatment at non-empanelled hospitals may not be covered under the scheme.
- How long does it take for the application to be processed under the scheme?
The State Nodal Cell processes cases within two days, subject to verification and approval from the Chairman ANISHI.
- What if a beneficiary falls sick during a personal visit to the mainland?
In such cases, the beneficiary can avail benefits under ANISHI for emergency treatment, but travel expenses will not be reimbursed.
Official links
References
- Official Website
- https://dhs.andaman.gov.in/AnishiScheme.aspx
- Application Form
- https://dhs.andaman.gov.in/DHSForms/Health%20Insurance.pdf
- Scheme Details
- https://dt.andaman.gov.in/DetailNews.aspx?newsid=Qr7YSieDRFG2l30HJfWA6jfH3FoCY7ks3s9ZTxH5jao=
Apply
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Frequently asked questions
- What is the purpose of Andaman & Nicobar Islands Scheme for Health Insurance?
- Andaman & Nicobar Islands Scheme for Health Insurance is a government welfare initiative designed to support Individual, Individual through benefits related to Health & Wellness, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
- Who can apply for Andaman & Nicobar Islands Scheme for Health Insurance?
- Eligibility for Andaman & Nicobar Islands Scheme for Health Insurance may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
- What benefits are offered under Andaman & Nicobar Islands Scheme for Health Insurance?
- Benefits under Andaman & Nicobar Islands Scheme for Health Insurance may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
- Which department manages Andaman & Nicobar Islands Scheme for Health Insurance?
- Andaman & Nicobar Islands Scheme for Health Insurance is managed by Health Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
- Can users apply online for Andaman & Nicobar Islands Scheme for Health Insurance?
- Yes, eligible applicants may be able to apply online for Andaman & Nicobar Islands Scheme for Health Insurance through official government portals, authorised service centres, or digital application systems depending on the implementation process.
- Is Aadhaar mandatory for Andaman & Nicobar Islands Scheme for Health Insurance?
- Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
- Where can users apply for Andaman & Nicobar Islands Scheme for Health Insurance?
- Applications for Andaman & Nicobar Islands Scheme for Health Insurance may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
- What documents may be required for Andaman & Nicobar Islands Scheme for Health Insurance?
- Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
- Is income certificate required for Andaman & Nicobar Islands Scheme for Health Insurance?
- Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Andaman & Nicobar Islands Scheme for Health Insurance.
- Is Andaman & Nicobar Islands Scheme for Health Insurance available in all states?
- No, Andaman & Nicobar Islands Scheme for Health Insurance is primarily available for eligible residents of Andaman and Nicobar Islands and may be implemented through state government departments and local administrative offices.
- Can residents outside Andaman and Nicobar Islands apply for Andaman & Nicobar Islands Scheme for Health Insurance?
- Eligibility for Andaman & Nicobar Islands Scheme for Health Insurance is generally limited to residents of Andaman and Nicobar Islands unless otherwise specified in the official scheme guidelines.
- Does Andaman & Nicobar Islands Scheme for Health Insurance provide healthcare or insurance support?
- Andaman & Nicobar Islands Scheme for Health Insurance may provide healthcare assistance, insurance coverage, cashless treatment support, medical reimbursement, or hospital-related benefits depending on the scheme structure.
- Can beneficiaries use Andaman & Nicobar Islands Scheme for Health Insurance at government hospitals?
- Eligible beneficiaries may be able to access services at empanelled hospitals, government healthcare facilities, or authorised healthcare providers depending on scheme participation rules.
- Can CSC centres help users apply for Andaman & Nicobar Islands Scheme for Health Insurance?
- Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
- How can users check the latest updates for Andaman & Nicobar Islands Scheme for Health Insurance?
- Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
- Are there deadlines for applying to Andaman & Nicobar Islands Scheme for Health Insurance?
- Some schemes may operate through fixed application windows, annual registration cycles, or department-specific deadlines depending on scheme implementation policies.
- Can beneficiaries track application status for Andaman & Nicobar Islands Scheme for Health Insurance?
- Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
- Where can users get help for Andaman & Nicobar Islands Scheme for Health Insurance in Andaman and Nicobar Islands?
- Users in Andaman and Nicobar Islands may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
- Which nearby public services may help with Andaman & Nicobar Islands Scheme for Health Insurance applications?
- Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.