The Senior Citizen Health Insurance Scheme and the Rashtriya Swasthya Bima Yojana are part of the Ayushman Bharat Yojana. They provide advantages to poor households in both urban and rural areas because they serve poor and rural families. Ayushman Bharat Yojana is also known as the PMJAY scheme.
What is the PMJAY Scheme or Ayushman Bharat Yojana?
The highest healthcare program in the world is the PMJAY or Ayushman Bharat Pradhan Mantri Jan Arogya Yojana. Ayushman Bharat Yojana will help poor people by providing better healthcare services with medicinal insurance of Rupees 5 lakh per year for secondary and tertiary hospitalization expenses.
With the help of the government of India, Prime Minister Narendra Modi released the Pradhan Mantri Jan Arogya Yojana healthcare program, which gives healthcare to over 12 crore disadvantaged families without regard to age or family size restrictions.
Approximately 1,949 operations, including head and knee replacements, are covered by the Ayushman Bharat Yojana. It also includes follow-up care and therapy costs to ensure a complete recovery.
The PM Ayushman Bharat Yojana program covers hospitalizations in both public and network private hospitals without the need for paper records or payment. Ayushman Bharat health insurance covers the cost of hospitalization, pre-hospitalization, medication, and post-hospitalization when tertiary and secondary care procedures are being treated.
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Features of PMJAY: Ayushman Bharat Yojana Scheme
Apart from being a lifesaver for families with lower-middle incomes, the Pradhan Mantri Ayushman Bharat Yojana (PMJAY) has the following other important characteristics:
- The annual sum insured under the Ayushman Bharat Yojana initiative is ₹5 lakh for each family.
- Those living below the poverty line without access to the internet or online health plans are the target audience for this program.
- Any public or private network hospital can provide cashless healthcare services to its beneficiaries through the PMJAY initiative.
- The PM of Ayushman Bharat The beneficiary of the Jan Arogya Yojana is additionally reimbursed for the expense of transportation both before and after hospitalization.
Benefits of Ayushman Bharat Yojana
40% of the Indian population, including those from poor and economically disadvantaged households, have health insurance under the Ayushman Bharat Yojana program. Below is a list of the healthcare benefits and services they are eligible for:
- Treatments and medical services under PMJAY are free and accessible throughout India.
- Medical oncology, orthopedics, emergency care, and urology are among the 27 specialty areas covered by the Ayushman Bharat system, which offers a variety of medical and surgical packages.
- Additionally, pre-hospitalization costs are covered under the Ayushman Bharat Yojana.
- If more than one surgery is required, the highest package will pay the expense. The coverage for the second and third procedures will be 50% and 25%.
- Chemotherapy treatment costs for 50 distinct cancer types are also covered by the program. The medical and surgical programs, however, cannot be used simultaneously.
- The PMJAY program’s enrollees are also eligible for follow-up treatment coverage.
Ayushman Bharat Yojana Eligibility Criteria
Candidates must fulfill the following requirements if they want to be eligible for the Ayushman Bharat Yojana.
Regarding Rural Families:
- Families sharing a room with a roof and kucha walls.
- Households without adult members aged 16 to 59 years.
- Families without adult male members aged 16 to 59 years.
- ST/SC families.
- Families with a disabled member.
Regarding Urban Families:
- Beggars, ragpickers, domestic workers.
- Tailors, handicrafts workers, home-based works
- Sweepers, mail, sanitation workers, laborers
- Repair workers, technical workers, electricians
- Waiters, street vendors, shop assistants, transport workers
Documents Requirements To Create an Ayushman Card
If you want to create an Ayushamn card under the campaign. Candidates must be a resident of India and the below qualifications are required.
- Aadhar card: You must have a current aadhar card.
- Ration card: A current ration card is a must.
- Proof of domicile: To verify your eligibility, you must need to provide proof of domicile.
- Income proof: You may provide present evidence of income according to the rules.
- Caste certificate
How to Register for the PMJAY Scheme Online?
The PMJAY scheme is very easy to sign up for. Use the below instructions to register for PMJAY online.
- Go to the government’s official website.
- On the right side of the page, there is a link labeled “Am I Eligible”, you just click on it.
- Enter your phone no., CAPTCHA code & OTP.
- Your name will be mentioned in the results if your family is covered under Ayushman Bharat Yojana.
- Enter your name, home no., ration card no., and state.
How Can I Get My Ayushman Bharat Yojana Card Online?
Applying for an Ayushman card is important since it includes a unique family identification no. Every family receives the Ayushman Bharat National Health Protection Mission. Below are a few steps to apply.
- Visit the official Ayushman Bharat Yojana web portal.
- Then create a password and log in using your email address.
- Then you can enter your Aadhaar card no.
- Tap to the beneficiary option. It will be sent to the help center.
- Then enter your pin no. and password in the CSC. It will be sent to the homepage.
- Lastly, the Ayushman Bharat golden card download option will be displayed.