Answer : 3. "ओपीडी और आईपीडी दोनों"
Explanation :

The following types of patients can get the benefit of the Bhamashah Health Insurance Scheme (BSBY)-

1. General Patients: Under BSBY, insurance cover up to Rs 30,000 is provided for general illnesses. These include cold, fever, diarrhoea, and other common illnesses.

2. Critical Illness: Under BSBY, insurance cover up to Rs 3 lakh is provided for critical illnesses. These include cancer, heart attack, stroke, and other serious diseases.

3. Children disabled from birth: Under BSBY, an insurance cover of up to Rs 5 lakh is provided to children disabled from birth.

4. Pregnant women: Under BSBY, pregnant women are provided insurance cover of up to Rs 1 lakh for delivery and post-natal care.