Ayushman Bharat Pradhan Mantri Jan Arogya Yojana Scheme, also known as PMJAY, is one of India’s biggest government-funded health initiatives. Prime Minister Narendra Modi introduced the Pradhan Mantri Jan Arogya Yojana healthcare policy, which aims to cover over 50 crore Indian citizens and over 10 crore impoverished families without imposing any age or family size limitations.
These households will benefit from the Ayushman Bharat Yojana (PMJAY), which would cover up to INR 5 lakh per family per year in insurance coverage for secondary and tertiary hospitalization charges. Ayushman Bharat health insurance covers almost all tertiary and secondary care procedures. It also covers pre-hospitalization, prescription drugs, and post-hospitalization costs. Furthermore, about 1,400 costly treatments, including knee replacements and skull surgeries, are covered by the Ayushman Bharat Yojana program.
Patients can also adhere to their treatment plans to ensure a full recovery. Examine the PMJAY (Ayushman Bharat Yojana) initiative’s characteristics, qualifying standards, and application procedure, all of which are detailed here.
Features of PMJAY
- The family floater Ayushman Bharat Yojana scheme guarantees a value of Rs. 5 lakh to each participating family.
- For those who are below the poverty line and have access to the internet or online health plans, this program is especially intended.
- For its beneficiaries, the PMJAY program makes cashless medical services available at any public hospital as well as private network hospitals.
- Beyond that, Pradhan Mantri Additionally, the beneficiary’s transportation expenses both before and after hospitalization are reimbursed by the Ayushman Bharat Yojana.
- The beneficiary’s daycare costs are covered by the Ayushman Bharat Yojana insurance package in addition to the costs of medical care.
- Certain pre-existing conditions are also covered by the PMJAY scheme.
- Medical expenses must be paid using the package rate that the government has specified.
- A sensible number of health and wellness centers will be developed under the government-backed program in accordance with data from the Socio-Economic Caste Census.
Benefits of Ayushman Bharat Yojana Scheme
Treatment and healthcare facilities under PMJAY are free of charge and accessible throughout India. The Ayushman Bharat Scheme provides coverage for 1,354 medical and surgical packages, including neurosurgery, cardiology, and other speciality areas, under 25 specialty categories. Post-hospitalization costs are also covered by the Ayushman Bharat Yojana program. The top package will cover the expense in the event of several procedures. Furthermore, it should be paid for 25% and 50% of the second and third surgeries, respectively. The program also pays for chemotherapy-based oncology treatments for 50 distinct cancer types. Nevertheless, the surgical and medical packages cannot be used simultaneously. The PMJAY scheme beneficiaries are also eligible for reimbursement for follow-up treatments.
What is Covered under Ayushman Bharat Yojana Scheme?
- Treatment, consultation fees, and medical examinations are covered under the Ayushman Bharat Yojana Scheme.
- The Ayushman Bharat Yojana policy covers pre-hospitalization costs.
- For fifteen days, post-hospitalization costs are reimbursed.
- The cost of prescription drugs and medical supplies is also covered by the coverage.
- Hospital lodging expenses are also paid for.
- ICU and non-intensive services
- Additionally covered are the costs of the diagnostic procedures.
- When necessary, medical implantation services are paid for.
- Costs associated with issues that arose during the course of medical care
- Catering services
Who is not eligible to receive Ayushman Bharat Yojana coverage?
The Ayushman Bharat Yojana does not extend coverage to the following types of entities:
- Individuals who drive a car, three-wheeler, or two-wheeler; government workers Individuals earning more than Rs 10,000 per month.
- Those who own farming tools and machinery People who reside in well-built homes Individuals with a Kisan card.
- Those who own fishing boats with motors.
- Individuals who own more than five acres of agricultural land Those who work for the government in non-agricultural sectors
- Those who own landline phones and refrigerators in their homes
Rural and Urban Individuals’ Eligibility Requirements for Ayushman Bharat
PMJAY Scheme: Qualifications for Rural
Households with No Adult, Male, or Earning Member Between the Ages of 16 and 59 Families residing in a single room with roof and walls made of Kuccha Kuccha Families without any members in the 16–59 age range A household consisting of one impaired member and no healthy adult member Manual scavenger families Families without land whose primary source of income is manual labor
PMJAY Scheme: Urban Eligibility Requirements
- Domestic Worker
- Ragpicker Beggar
- Malian artisans
- working from home, tailors, sweepers, handcraftspeople, and sanitation personnel laborer, painter, welder, security guard, and coolie in the construction industry
- Mason, plumber, and washer-man Mechanic, electrician, assembler, and repairman Workers in transportation, rickshaw pulling, conducting, cart pulling, waiting, shop job, assistant, peon, delivery assistance, street vendors, hawkers, and Cobbler organizations
How Can I Sign Up Online for the PMJAY Scheme?
- Check out the PMJAY scheme on the official government website.
- Just click on the Am I Eligible tab to access it.
- Enter your phone number and CAPTCHA code, then press the “Generate OTP” button.
- Enter your name, your state, your household number, your cellphone number, and your ration card number now.
- Your name will appear in the results if the Ayushman Bharat Yojana covers your family.
How can I get my online Ayushman Bharat Yojana card?
- Go to the official Ayushman Bharat Yojana website first.
- Then, register using your email address and create a password.
- To continue, enter your Aadhaar number.
- Select the selection for the approved beneficiary. It will lead to their support center.
- Now enter the pin number and your password in CSC. You’ll be taken to the main page.
- The download form to obtain your Ayushman Bharat golden card will be displayed to you.
PMJAY Toll-free Number and Address:
Applicants may contact the PM Ayushman Bharat scheme’s hotline numbers, 1800111565 and 14555, with any complaints. Address: Connaught Place, New Delhi – 110001; 7th and 9th Floors, Tower-L, Jeevan Bharati Building