What is Ayushman Bharat Health Insurance Card
On August 15, 2018, India's Independence Day, Prime Minister Shri Narendra Modi announced the launch of PMJAY, also known as Ayushman Bharat Yojana. Pradhan Mantri Jan Arogya Yojana (PMJAY) is the name of the National Health Protection Scheme, a flagship initiative of the Government of India.
In this blog, let's learn more about the Ayushman Bharat health card, its benefits, and more.
What is the Ayushman Bharat Yojana or PMJAY Scheme?
The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PMJAY scheme), is the largest healthcare scheme in the world. Under the custom of the Government of India, Prime Minister Narendra Modi launched the Pradhan Mantri Jan Arogya Yojana health care scheme which will provide over 12 crore poor and helpless families with health coverage with no restrictions on family size or age. Ayushman Bharat Yojana (PMJAY) will cover these families and offer them better medical facilities. It will provide a medical insurance cover of up to 5 lakh a year for tertiary and secondary hospitalization expenses.
It is a paperless scheme and it provides cashless hospitalization in government hospitals and network private hospitals. Hospitalization, pre-hospitalization, medication, and post-hospitalization are all covered under Ayushman Bharat Health insurance for tertiary care and secondary care procedures.
There are 1,949 procedures in the Ayushman Bharat Yojana including skull surgery, knee replacement surgery, etc. Not only that, but it also pays for any follow-up care and treatments necessary to the full recovery.
More About Ayushman Bharat Card
Some key details regarding this yojana are:
| Features | Details |
| Name of the Scheme | Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PMJAY scheme) or Ayushman Bharat National Health Protection Scheme (NHPS) |
| Launch Date | 23 September, 2018 |
| Procedures Covered | 1400 Procedures |
| Coverage (per family) | Rs. 5 lakhs per year |
| Pre-hospitalisation coverage | Up to 3 days |
| Post-hospitalisation coverage | Up to 15 days |
| Website | www. pmjay .gov .in |
| Mail Id | ayushmanbharat.csc@gmail.com |
| Helpline numbers | 1800-111-565 or 14555 |
Key Highlights Of Ayushman Bharat Yojana or PMJAY Scheme
| 1 | The Ayushman Bharat Yojana gives each family health insurance for up to 5 lakh rupees every year. |
| 2 | This insurance is for poor families who can't get health plans online. |
| 3 | The Ayushman Bharat scheme helps pay for 27 types of medical care, like cancer treatment, bone care, emergency care, and bladder problems, covering many health treatments. |
| 4 | The PMJAY scheme lets people get medical care without paying cash at both public and certain private hospitals. |
| 5 | It also pays for travel costs when going to and from the hospital. |
| 6 | The scheme covers all medical and daycare costs during treatment. |
| 7 | It includes all previous health conditions from the start. |
| 8 | If you need more than one surgery, the scheme will pay the full cost for the most expensive one. The second surgery will be half-paid, and the third will be one-fourth paid. |
| 9 | The government decides how much will be paid for medical treatments. |
| 10 | Ayushman Bharat Yojana is setting up 1.5 lakh Health and Wellness Centres to provide complete basic health care. |
| 11 | The scheme also pays for cancer treatments with chemotherapy for 50 different kinds of cancer. But, you can't get both medical care and surgery at the same time under this scheme. |
What is Covered and Not Covered Under Ayushman Bharat Yojana?
| Covered Under Ayushman Bharat Yojana | Not Covered Under Ayushman Bharat Yojana |
| Pre-hospitalization expenses for up to 3 days | Government employees |
| Medical examination, treatment, and consultation fees | People who own vehicles like motorcycles, autos, or cars |
| Post-hospitalization expenses for up to 15 days | People with monthly incomes over ?10,000 |
| Cost of medicine and medical consumables | Those who own farming machinery and equipment |
| Hospital accommodation charges | Those living in well-built houses |
| Non-intensive and ICU services | Those who hold a Kisan card |
| Laboratory and diagnostic procedures | Those owning motorized fishing boats |
| Medical implantation services, where required | Those owning more than 5 acres of agricultural land |
| Complications arising during the medical treatment | People employed in government-run non-agricultural enterprises |
| Food services | People who have refrigerators and landline phones at home |
Ayushman Bharat Health Insurance Eligibility
Here are some eligibility criteria for taking benefits of this scheme.
1. PMJAY Scheme: Eligibility Criteria for Rural Households
Rural households can get the benefits of the PMJAY scheme based on six criteria:
- Families of 4 or 5 living in a single room, Kucha walls, Kucha roof.
- No adult between the ages of 16-59 in the household.
- Families with no adult male members within the age group of 16-59 years
- Households with no adult member or disabled.
- SC/ST households
- Landless households earn a large proportion of their household income from manual casual labor.
2. PMJAY Scheme: Eligibility Criteria for Urban Households
The following urban households are suitable for the PMJAY scheme:
- Ragpicker
- Home-based workers/ tailors/ artisans/ handicrafts workers
- Street vendors/ other service providers on the street/ hawkers/ cobblers
- Sanitation workers/ mali/ sweepers
- Domestic worker
- Electrician/ repair worker/ assembler/ mechanic
- Transport worker/ driver/ rickshaw puller/ cart puller/ helper to drivers and conductors/ conductor
- Waiter/ delivery assistant/ shop worker/ assistant/ peon in small establishment/ helper/ attendant
- Construction worker/ plumber/ labor/ mason/ security guard/ coolie/ painter/ welder and other head-load workers
- Beggar
- Chowkidar/ washer-man
Documents Required to Apply for Ayushman Bharat Health Card Online
Here are some documents that are required to apply for the Ayushman Bharat card:
- Age & identity proof (Aadhaar Card/PAN Card)
- Document proof of the current status of the family (Joint or nuclear)
- Caste certificate
- Income certificate
- Contact details (mobile, address, email)
How to Register for the PMJAY Scheme Online?
Here's how to sign up for the PMJAY scheme online, explained in simple steps:
- Go to the official PMJAY scheme website.
- Click on the ‘Am I Eligible’ tab found on the right side of the page.
- Enter your mobile number, the CAPTCHA code, and the OTP (One Time Password) sent to your phone.
- Provide your state and your name, or your ration card number, household number, or mobile number.
- If your family qualifies for the Ayushman Bharat Yojana, your name will show up in the results.
Conclusion
The Ayushman Bharat Health Insurance Card can be a lifesaver for many families in India. It provides up to 5 lakh rupees a year for medical expenses. This is a special plan for poor families and includes a lot of different types of medical procedures in numerous hospitals. It even pays for the transportation to and from the hospital. This insurance would allow families to receive the care they need without the burden of the cost. This makes it easier for everyone to stay healthy.
How do I get my Ayushman card online?
To apply for your Ayushman card online, check out the official PMJAY scheme website. And then click on the "Am I Eligible" tab on the right-hand side of the page. Enter your mobile number, the CAPTCHA code, and the OTP sent to your phone. Then your state, your name, ration card number, house number, and mobile number. If your family is eligible, you can read and receive your card.
What is Ayushman Bharat's health card?
The Ayushman Bharat health card is an integral part of the government-sponsored insurance scheme for families to afford medical care. It provides up to 5 lakh rupees of insurance coverage per year for different types of medical treatments. This card can be used at many hospitals in India and the family will not have to pay for the treatment.
Who can use the Ayushman Bharat health card?
The Ayushman Bharat health card is for poor families which cannot afford to pay the medical bills. It includes rural and urban households, but they have to meet certain criteria, such as low income or certain types of jobs.
Can I use the Ayushman Bharat card at any hospital?
Yes, you can use the Ayushman Bharat card in any Government hospital and most private hospitals that participate in the PMJAY across India. These hospitals provide cashless treatment to cardholders.
What should I do if I lose my Ayushman Bharat card?
In case you lose your Ayushman Bharat card, you must inform the nearest help center or call the PMJAY helpline. They'll tell you how to get a new card, so you can still get medical coverage.
By clicking on You, Agreed to our Privacy Policy Terms of use *Disclaimer
- 5.5 CoreRegistered Consumers
- 51Insurance Partners
- 3.4 CorePolicies Sold