The Indian government launched the Pradhan Mantri Jan Arogya Yojana (PMJAY) sometimes referred to as the Ayushman Bharat Yojana Scheme, which is a health insurance program. The underprivileged and lower classes of society are served by this program. The program provides financial protection against pre-hospitalization expenditures, diagnostic fees, medication prices, and medical treatment costs. In this article you get every necessary information regarding this scheme such as overview, benefits, objective, eligibility criteria, required documents and apply online.
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Ayushman Bharat Scheme 2024
Pradhan Mantri Jan Arogya Yojana is the new name for the Ayushman Bharat Yojana formerly known as the National Health Protection Scheme. This intends to make secondary and tertiary healthcare for the impoverished segments of society fully cashless. Recipients of the PM Jan Arogya Yojana receive an Ayushman card that allows them to access services at any public or private hospital in the nation that is accredited. You may take advantage of the convenience of receiving cashless treatment just by strolling into a hospital with the PMJAY plan.
Ayushman Bharat Yojana, widely regarded as one of the biggest healthcare programs globally seeks to provide coverage to more than 50 crore Indian residents with a particular focus on those from economically disadvantaged backgrounds. With a maximum total insured of Rs. 5 lakh, PMJAY’s health insurance policies were introduced in September 2018. The majority of medical treatment expenditures, prescription drugs, diagnostic fees and pre-hospitalization charges are covered by the government health insurance program. Additionally, it provides cashless hospitalization services through the Ayushman Health Card, which may be used at any hospital in the country that has been accredited.
Overview Of Ayushman Bharat Scheme 2024
| Name of the Scheme | Ayushman Bharat Scheme 2024 |
| Launched By | Prime Minister of India |
| Beneficiaries | Citizens |
| Objective | To cover the bottom 40% of poor and economically weaker sections of the country |
| Official Website | https://pmjay.gov.in/ |
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Objective Of Ayushman Bharat Scheme
The main objective of this scheme is to provide secondary and tertiary care hospitalization insurance plans worth Rs. 5 lakh per household per year, helping over 12 crore families that are at risk.
Benefits Of Ayushman Bharat Scheme
Some of the benefits of this scheme is given below:
- The free medical services and treatments offered by PMJAY are accessible all around India.
- Ayushman Bharat has 27 specialty categories that offer a broad range of medical and surgical packages, such as orthopaedics, emergency care, urology and medical oncology.
- Pre-hospitalization costs are also covered under the yojana.
- The most expensive package will cover the expense in the event of several procedures. 25% and 50%, respectively, will be paid for the second and third procedures.
- The program also pays for chemotherapy-based oncology treatments for 50 distinct cancer types. Nevertheless, you are not able to use the surgical and medical programs together.
- The PMJAY plan users are also eligible for reimbursement for follow-up treatments.
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Eligibility Criteria For Rural Households
- Families with kucha roofs and walls residing in a single room
- Households without an adult member in the 16-59 age range
- Families in which there are no adult male members between the ages of 16 and 59
- Households with a handicapped member or without an adult member in good physical health
- SC/ST family units
- Families without land whose primary source of income is manual labor on occasion
Eligibility Criteria For Urban Households
- Domestic worker
- Beggar
- Ragpicker Home-based workers/ artisans/ tailors/ handicrafts workers
- Sanitation workers/ sweepers/ mali
- Construction worker/ labour/ painter/ welder/ security guard/ plumber/ coolie/ mason and other head-load workers
- Chowkidar/ washer-man
- Electrician/ mechanic/ assembler/ repair worker
- Transport worker/ rickshaw puller/ conductor/ cart puller/ driver/ helper to drivers and conductors
- Waiter/ shop worker/ assistant/ attendant/ helper/ peon in small establishment/ delivery assistant
- Street vendors/ hawkers/ cobbler/ other service providers on the street
Required Documents Of Ayushman Bharat Scheme 2024
Some of the required documents of this scheme is given below:
- Aadhaar Card
- PAN Card
- Caste Certificate
- Income Certificate
- Email ID
- Mobile Number
Registration Procedure Of Ayushman Bharat Scheme 2024
- First you have to visit the Official Website of the scheme.
- The homepage will appear on your screen.
- Click on the login button.
- Login with your mobile number and OTP.
- Search by state, district, scheme name (PMJAY), PMJAY ID, Family ID or Aadhar Number.
- The Ayushman Card List contains the names of eligible citizens. The Card Status column will read Not-Generated for those who do not have an Ayushman Card.
- All you have to do is click the Action button to apply for an Ayushman Card.
- A new page will appear on your screen.
- Upload a recent photo and finish your KYC using an Aadhaar OTP.
- Enter all the necessary details such as mobile number, religion, date of birth, pin code, district and village.
- Click on the submit button.
Download
- First you have to visit the Official Website of the scheme.
- The homepage will appear on your screen.
- Login with your mobile number and OTP.
- After login a search page opens for finding beneficiaries.
- Use search criteria such as state, Aadhar number, Family ID, PMJAY ID, location or scheme name (PMJAY).
- Enter your Aadhaar Number.
- Click on the search button.
- Your Aadhaar Card will be linked to an Ayushman Card List.
- To download the beneficiary’s card, select the Download option next to their name if their KYC is complete.
- You must verify yourself in order to download the card.
- Select Aadhaar for authentication and use OTP to verify.
- The ayushman card download page will appear on your screen.
FAQ’s
What should I do if my name isn’t on the list of those who have Ayushman Cards?
You can apply at the Common Service Center (CSC) that is closest to you if your family meets the requirements but isn’t on the list. In order to identify beneficiaries, the CSCs employ more than 3 lakh village-level enterprises.
Is the Pradhan Mantri Jan Arogya Yojana accessible to every Indian citizen?
PMJAY is available to eligible individuals and families as determined by the Socio Economic and Caste Census 2011 database. It’s just for people who truly require financial assistance in order to get health insurance.
Does PMJAY provide coverage for anyone over 80 years old?
Yes, as there is no upper age restriction for the Ayushman Bharat PMJAY scheme, those over 80 are covered.