Ayushman Bharat Yojana

Pradhan Mantri Ayushman Bharat Yojana – Jan Arogya Yojana (PMJAY) Eligibility, Benefits & Apply Online

Pradhan Mantri Jan Arogya Yojana (PM – JAY)

Highlights –

  • Pradhan Mantri Ayushman Bharat Yojana (PMJAY) has a goal to provide healthcare facilities to 10.74 crore poor families.
  • The eligibility of candidates depends on SECC 2011.
  • The beneficiaries can avail the benefits anywhere in India.
  • Preferences would be given to the girls, women, and senior citizen.

Prime Minister launched Ayushman Bharat Yojana (Pradhan Mantri Jan Arogya Yojana) 23rd September 2018 in Ranchi, Jharkhand. Pradhan Mantri Jan Arogya Yojana (PMJAY Scheme) is leading National Health Protection Plan funded by Government of India.

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (Ab PM-JAY) is the biggest health insurance across the globe that provides a health cover fund of Rs. 5 lakhs per family per year for secondary health care for poor, rural, and weak families that is almost 40% of India population.

This PM-JAY Yojana is a combination of Senior Citizen Health Insurance Scheme (SCHIS) and Rashtriya Swasthya Bima Yojana (RSBY). PM-JAY was initially known as National Health Protection Scheme (NHPS) before being renamed. The eligibility for this PM Scheme is based on the Socio-Economic Caste Census 2011 (SECC 2011) for both rural and urban areas. Prime Minister Ayushman Yojana is completely supported and funded by Government and the cost of execution is divided among the Central and State Governments.

What is Pradhan Mantri Ayushman Bharat Yojana or PMJAY Scheme?

Pradhan Mantri Ayushman Bharat Yojana is majorly known as Pradhan Mantri Jan Arogya Yojana (PMJAY Scheme). This healthcare scheme is the biggest medical care scheme supported by Government of India. Honorable, Narendra Modi announced and launched PMJAY scheme to provide health insurance plan to 50 Crore Indian Citizens and almost 10 Crore poor and weak families without any limitation considering to the family size and age. Each family will get a health coverage of INR 5 lakhs per year for post-secondary and secondary hospitalization expenses.

PM Jan Arogya Yojana is completely paperless and provides cashless hospitalization across India at public or private hospitals. Health insurance cover the expenses of hospitalization, medicine, post hospitalization, pre-hospitalization, and the charges occur during the medicaments.

Ayushman Bharat Yojana comprises almost 1,400 outrageous treatments such as skull surgery, knees replacements, and so many. Furthermore, the patients can also follow-up for the medicines to ensure full rehabilitation.

Here at Bharat Sarkar Yojana, find out the complete details, highlights, eligibility, and application process of PMJAY.

Features of Pradhan Mantri Ayushman Bharat Yojana Health Cover

PMJAY Scheme is a life saver health cover plan for lower middle class –

    • Pradhan Mantri Jan Arogya Yojana is a family floater health plan with a worth assured of INR 5 Lakhs per family installed.
    • This health insurance plan is specifically intended for people who are below the poverty line for their wellbeing plans.
    • Pradhan Mantri Ayushman Yojana provides completely cashless facilities to its beneficiaries.
    • Apart from this, the transportation cost of pre & post hospitalization is also included.
    • PM Ayushman Bharat health insurance also covers the care expenses of patient.
    • Some of existing diseases gets covered in this PMJAY.
    • The payment of medical spend is depended on the package rate as pre-determined by the Government of India.
    • Hospital and health centers which comes under the Socio-Economic Caste Census 2011 Data.

Benefits of Pradhan Mantri Jan Arogya Yojana Health Insurance (PMJAY Scheme)

Ayushman Bharat Yojana protects practically 40% of the needy and poor families in India. The healthcare scheme benefits are listed below –

    • Free of cost healthcare and medical treatment facilities across India.
    • PM Jan Arogya Yojana provides 25 special categories and it offers medical coverage for a wide range of 1354 healthcare and surgical packages like neurology or cardiology etc.
    • PMJAY also offers post-hospitalization cost coverage.
    • If you require multiple surgeries, the expenses will be provided to the major surgery. And other surgeries will be covered 50% and 25% respectively.
    • Ayushman Bharat (PMJAY) health insurance also includes the expenses of oncology with chemotherapy for 50 types of Cancer. But you can not avail medical and surgical health services at a time.
    • Beneficiaries treatment also get the follow-up treatment expenses.

Things Covered Under Pradhan Mantri Ayushman Bharat Yojana Health Policy

  • Ayushman Bharat Yojana Scheme offers medical coverage for consultation and treatment fees.
  • Pre-hospitalization expenditure coverage.
  • Post-hospitalization spends for upcoming 15 days.
  • The health insurance also includes medicine and medical consumable spend.
  • Hospital bed charges are also included in the Ayushman Bharat health cover policy.
  • Beneficiary can avail non-intensive and ICU services.
  • The diagnostic procedure expends are also inclusive.
  • Medical implantation services are also included if necessary.
  • Complication occurred during the medical treatment expenses.
  • Meals during the treatment are covered.

Who is not entitled under Pradhan Mantri Ayushman Bharat – Jan Arogya Yojana?

Here is the list of categories who will not get the coverage benefit of Ayushman Bharat Yojana –

    • People who have a vehicle such as two-wheeler, three-wheeler, or four-wheeler.
    • Government job holder.
    • People who monthly income is more than INR 10,000.
    • Farmers who own farming machinery and equipment.
    • People who have their own well-build houses.
    • People who have Kisan card.
    • People who on a steam fishing boat.
    • People who have 5 acres or more agriculture land.
    • People who are employed in Government-based non-agriculture companies.
    • People who have fridges and landline phones in their homes.

Ayushman Bharat Yojana Eligibility Criteria for Urban or Rural Citizen

To get the Ayushman Bharat Yojana medical insurance, it is mandatory for all to check their names in the list of Socio-Economic Caste Census (SECC) 2011 information. This will make sure to find out whether your family is qualified to get the medical health insurance or not. If your name is listed in SECC 2011 database and active RSBY card holders are qualified for PMJAY benefits.

Pradhan Mantri Ayushman Bharat Yojana permits the eligible candidates to use the healthcare services across the country.

Pradhan Mantri Ayushman Bharat Jan Arogya Yojana – Eligibility Criteria For Rural Area

  • Household with no earning member within the age group of 16-59 years.
  • Families who have mud houses for their living.
  • Families who don’t have members within the age of 16-59 years.
  • Family without a healthy adult and one disables member.
  • Families who don’t have agriculture farm for earning.
  • Manual forager families.

Pradhan Mantri Ayushman Bharat Jan Arogya Yojana – Eligibility Criteria For Urban Area

  • Domestic labor
  • Beggar
  • Ragpicker
  • Tailor / Sweeper / Handicraft creator / Mali / Sanitation Worker
  • Labor (Construction / painter / Welder / Security / Coolie)
  • Washer-man / Plumber / Mason
  • Mechanic / Electrician / Repair Service Provider
  • Rickshaw Driver / Conductor / Cart Driver / Transport Worker
  • Shop worker / Peon / waiter
  • Street vendors/ Shoemaker

Pradhan Mantri Jan Arogya Yojana – Online Registration

Registration on Pradhan Mantri Ayushman Bharat Yojana is extremely easy. It is applicable for all those who are listed under SECC 2011 and those who are the part of Rashtriya Swasthya Bima Yojana. To register online for PMJAY scheme, follow the steps –

    • Go to the official website of Pradhan Mantri Ayushman Bharat Yojana.
    • Click on “Am I Eligible” icon.
    • Enter your mobile number, Captcha code, and then generate OTP.
    • Fill all the details such as name, state, ration card, household number, or mobile number.
    • If you are eligible for the Ayushman Bharat Yojana, your name will appear.

Documents Required for Ayushman Bharat Yojana

  • Identity Proof (Aadhaar card)
  • Date of Birth (PAN Card)
  • Contact Details (Address, Mobile Number, and Email)
  • Caste Certificate
  • Income Certificate (Maximum annual income upto INR 5 lakhs/ year)
  • Documents proof (depends on joint or nuclear)

Illness or Critical Diseases covered under Pradhan Mantri Ayushman Bharat Jan Arogya Yojana (PMJAY Health Cover)

There are more than 1350 medical treatments you can avail under PMJAY scheme –

  • Prostate Cancer
  • Coronary Artery Bypass Surgery
  • Double valve replacement
  • Carotid angioplasty with stent
  • Pulmonary valve replacement
  • Skull base surgery
  • Anterior spine fixation
  • Tissue expander for disfigurement following burns
  • Laryngopharyngectomy with gastric pull-up

List of exclusion of Ayushman Bharat Health Insurance –

  • OPD expenses
  • Drug rehabilitation
  • Cosmetic procedures
  • Organ transplants
  • Fertility procedure
  • Individual diagnostic (for evolution)

How to Download Pradhan Mantri Ayushman Bharat Yojana Card (PMJAY card) online?

Ayushman Bharat National Health Protection Mission provide a dedicated family identification number to every beneficiary. Process with the following steps to download your Ayushman Bharat card online –

    • Go to Ayushman Bharat Yojana official website.
    • Login with your email id and password
    • Fill your Aadhaar card number.
    • Click on “Approved Beneficiary”.
    • You will be redirected to the help center.
    • Enter your password in CSC and pin number.
    • You will be redirected to home page where you will see the Download option for Ayushman Bharat Golden Card.

Hospital List of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana

Pradhan Mantri Ayushman Bharat – Jan Arogya Yojana (PM AB-JAY Scheme) Toll Free Number and Address

You can contact on Ayushman Bharat Yojana toll-free helpline number 1800111565 and for grievances on 14555.