Ayushman Bharat Yojana

The Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a government-run health insurance scheme launched in India in 2018. It aims to provide financial assistance for secondary and tertiary healthcare to over 50 crore Indian citizens belonging to low-income families.

This scheme offers cashless and paperless hospitalization for up to Rs. 5 lakh per family per year. It covers a wide range of medical treatments, surgeries, diagnostics, and pre-hospitalization expenses. Ayushman Bharat Yojana targets economically disadvantaged families identified through the Socio-Economic Caste Census.

Features of Ayushman Bharat Yojana

The table provided below outlines the features and benefits of the Ayushman Bharat Yojana scheme.

Eligibility Criteria for Ayushman Bharat Yojana

The Ayushman Bharat Yojana (PM-JAY) targets economically disadvantaged families in India. Here’s a list of eligibility criteria for the Ayushman Bharat Yojana scheme.

Ayushman Eligibility for Rural Families

Social Category: Belonging to Scheduled Castes (SC) or Scheduled Tribes (ST)

Economic Status:

• Below Poverty Line (BPL) families
• Families with no earning member between 16 and 59 years of age
• Households with a single room having impermanent walls and roof
• Families that lack any land and rely on casual labor for income

Ayushman Eligibility for Urban Families

Must belong to one of the listed occupational categories:

• Street vendors, cobblers, and hawkers
• Domestic workers, rag pickers, and beggars
• Construction workers, plumbers, masons, painters, etc.
• Transport workers (conductors, drivers, etc.)
• Artisans, home-based workers, and tailors
• Sweepers, sanitation workers, and gardeners
• Electricians, mechanics, and repair workers
• Many other occupations are categorized as informal workers

Coverage Under Ayushman Bharat Yojana

The table below provides an overview of the particulars that are covered in Ayushman Bharat Yojana.

Ayushman Bharat Card

The Ayushman Bharat Card is a photo ID card issued to beneficiaries of the Ayushman Bharat Yojana (PM-JAY) health insurance scheme in India. It acts as a proof of entitlement for the cashless medical benefits offered under the scheme.

It’s a debit card specifically for covering your medical expenses under Ayushman Bharat. Here are some key points about the Ayushman Bharat Card.

• Function: Beneficiaries can present the card at empanelled hospitals (public or private) to avail cashless treatment for covered illnesses.
• Benefits Covered: The card covers hospitalization expenses up to Rs. 5 lakh per family per year.
• Issuance: The card is issued free of charge to identified beneficiaries.
• Eligibility: Having the card doesn’t guarantee eligibility. You must be included among the beneficiaries identified through the Socio-Economic Caste Census (SECC) data.

Documents Required to Apply For Ayushman Bharat Yojana

The documents required to apply for Ayushman Bharat Yojana (AB-PMJAY) can vary slightly depending on your location, but these are the primary documents that are needed.

• Aadhaar Card: This is the primary ID proof and used for biometric verification.
• Ration Card or Socioeconomic Caste Certificate (SECC) Data: This document helps determine your eligibility based on socio-economic status. In some cases, an AAY (Antyodaya Anna Yojana) Ration Card or a letter from the Prime Minister (PM) or Chief Minister (CM) may be accepted as alternatives.
• Proof of Address: This might not always be mandatory, but could be helpful if your address isn’t already linked to your Aadhaar Card.
• Income Certificate: Some states may request proof of income for verification.

Apply For Ayushman Card

The Ayushman Card is issued to beneficiaries identified through the Socio-Economic Caste Census (SECC) data. The steps provided below show how to apply for the Ayushman card.

Steps to Apply For Ayushman Card Online

• Step 1: Go to the Ayushman Bharat Yojana’s official website.
• Step 2: Click on the “Am I Eligible” section on the homepage.
• Step 3: Enter your mobile number and the captcha code displayed.
• Step 4: Click on “Generate OTP” and enter the One-Time Password received on your phone for verification.
• Step 5: You’ll be asked to fill in some personal details like name, state, age, and family member information.
• Step 6: The website will then display your eligibility status based on the Socio-Economic Caste Census (SECC) data.

Offline Method to Apply For Ayushman Card

• Step 1: Visit your nearest empanelled hospital or Ayushman Mitra (community health worker).
• Step 2: They will guide you through the process and help you check your eligibility using their system.
• Step 3: You might need to provide identification documents like an Aadhaar card for verification.

Medical Procedures & Illness Covered Under Ayushman Bharat Yojana Scheme

The table below provides a comprehensive overview of the medical procedures and serious illness that is covered under the Ayushman Bharat Yojana Scheme.

Steps to Download Ayushman Bharat Card

The Ayushman Bharat Card provides access to free and cashless healthcare services and having your Ayushman Bharat Card readily available can be helpful when seeking medical care.

Let’s take a look at the steps involved in downloading the Ayushman Bharat card.

Steps to Download Ayushman Card Online

• Step 1: Visit the official website of Ayushman Bharat PMJAY.
• Step 2: Click on the “Am I Eligible?” tab on the homepage.
• Step 3: Enter your mobile number registered with your Ayushman Bharat account.
• Step 4: Enter the OTP that you will receive on your registered mobile number.
• Step 5: If you are eligible, you will be redirected to a page where you can download your Ayushman Bharat card (PMJAY Golden Card) in PDF format.

Steps to Get Ayushman Card Offline

• Step 1: Visit your nearest Common Service Center (CSC). You can find a CSC near you using the official website.
• Step 2: Provide your mobile number for verification at the CSC center.
• Step 3: The CSC staff will verify your details and may ask for additional documents for reference (not mandatory for download but might be helpful).
• Step 4: Once verified, they can help you download your Ayushman Bharat Card.

Benefits of Ayushman Bharat Yojana

The Ayushman Bharat Yojana, also known as Pradhan Mantri Jan Arogya Yojana (PMJAY), offers several benefits to eligible beneficiaries in India. Here are some of the primary benefits and advantages of this scheme.

• Financial Security: It provides cashless and paperless coverage of up to Rs. 5 lakh per year per family for hospitalization. This can be a huge financial relief for families facing medical emergencies, especially those struggling financially.
• Wide Coverage: The scheme covers a broad range of medical expenses, including pre-hospitalization costs (up to 3 days), hospitalization charges, post-hospitalization care (up to 15 days), medicines, diagnostics, surgeon fees, and critical illness treatments.
• Access to Quality Care: Beneficiaries can avail of treatment at both public and empanelled private hospitals across India. This increases options for choosing quality healthcare facilities.
• Pre-existing Conditions: Unlike many private insurance plans, Ayushman Bharat Yojana covers pre-existing medical conditions.
• Empowerment: The scheme empowers beneficiaries to seek medical care without worrying about upfront costs.
• Reduced Out-of-Pocket Expenses: By covering a significant portion of medical bills, Ayushman Bharat Yojana helps reduce the financial burden on families, particularly those who might have hesitated to seek medical attention due to cost concerns.
• Improved Overall Health: By making healthcare more accessible and affordable, the scheme can contribute to an overall improvement in public health in India.

Steps to Check Your Name In Ayushman Bharat Beneficiary List

Checking your name on the Ayushman Bharat Yojana beneficiary list will help you plan ahead for medical needs and access quality care at empaneled hospitals across India, potentially saving a substantial amount on healthcare costs.

You can check your name on the beneficiary list using the online portal, helpline, or Common Service Centre (CSC).

Check Beneficiary List Using Online Portal

• Visit the official PMJAY beneficiary portal: [beneficiary.nha.gov.in]
• You can search by:
  • Mobile Number: Enter your registered mobile number and follow the verification steps.
  • Other Details: If you have your PMJAY ID, Ration Card Number, Family ID, or Aadhaar Card number, you can use them to search directly.

Check Beneficiary List Using Helpline Number

• You can also call the Ayushman Bharat Contact Center helpline at 14555 or 1800-111-565 to inquire about your beneficiary status.

Check Beneficiary List Using Common Service Centre (CSC)

• You can find your nearest CSC by searching online or asking local authorities.
• Inform the CSC operator that you want to check if your name is on the AB-PMJAY beneficiary list.
• Be prepared to share your Aadhaar card number, ration card number (if applicable), or any other relevant information that might help with the search.
• The CSC operator will guide you through the process based on their available resources. They might help you search online, check local lists, or suggest alternative verification methods.

Steps to Find PMJAY Hospital List

Here are the steps to find the PMJAY hospital list online:

• Step 1: Visit the official PMJAY website.
• Step 2: Click on “Find Hospital” which is usually located in the top menu bar.
• Step 3: Enter your search criteria:
  • Location: Select your state and optionally, the district from the dropdown menus.
  • Hospital type: You can choose between public and private hospitals based on your preference.
• Step 4: Click the search button to view a list of PMJAY empanelled hospitals matching your criteria.

Check more on the Ayushman Bharat Scheme from the links below: