PM-JAY Schemes: Ayushman Bharath Yojana, Eligibility & Registration Online
The Ayushman Bharat Yojana is a healthcare initiative started by the Indian government to support the well-being of the underprivileged. On the Pradhan Mantri Jan Arogya Yojana (PM-JAY) website, you can sign up for the Ayushman Bharat Yojana. Before applying for the Ayushman Bharat Scheme, or PMJAY Card, be aware of the eligibility requirements and recognise whether you fall into the rural or urban category. Benefits of the Ayushman Bharat Yojana include up to 5 Lakhs in annual health insurance coverage for each family.
The PMJAY registration promises cashless care at accredited private and public hospitals. Additionally, expensive procedures like coronary bypass surgery and knee replacements are also covered. The PMJAY scheme's primary benefit is financial security in unforeseen circumstances.
Ayushman Bharath Yojana
The Ayushman Bharat initiative has been established to adhere to the Sustainable Development Goals (SDGs) and their core value of "leaving no one behind." It has adopted the Health and Wellness Center (HWC) and the Pradhan Mantri Jan Arogya Yojana (PM-JAY).
Ayushman Bharat Yogna aims to transform the delivery of health services from a sectoral and segmented approach to one that is comprehensive and needs-based. This programme seeks to implement ground-breaking interventions to holistically address the primary, secondary, and tertiary healthcare system (covering prevention, promotion, and ambulatory care). With two interconnected components, Ayushman Bharat uses an integrated system of care approach.
Features of PM-JAY include
- The PM-JAY program, the world's most extensive health insurance/assurance programme, is entirely funded by the government.
- PM-JAY offers the beneficiary cashless access to healthcare services.
- Pre-hospitalization expenses up to three days long and post-hospitalization costs up to fifteen days long, including medicine and diagnostics, are both covered.
Government Health Insurance Scheme
The Ayushman Bharat Yojana is a healthcare initiative started by the Indian government to support the well-being of the underprivileged. On the Pradhan Mantri Jan Arogya Yojana (PM-JAY) website, you can sign up for the Ayushman Bharat Yojana. Before applying for the Ayushman Bharat Scheme, or PMJAY Card, be aware of the eligibility requirements and recognise whether you fall into the rural or urban category. Benefits of the Ayushman Bharat Yojana include up to 5 Lakhs in annual health insurance coverage for each family.
The PMJAY registration promises cashless care at accredited private and public hospitals. Additionally, expensive procedures like coronary bypass surgery and knee replacements are also covered. The PMJAY scheme's primary benefit is financial security in unforeseen circumstances.
| Features | Basic Health Insurance | Government Health Insurance Scheme |
|---|---|---|
| Coverage | Offers a wider coverage | Offers a smaller coverage |
| Sum Insured | A maximum insurance amount of Rs. 1 crore | A maximum of Rs. 5 lakhs is insured. |
| Premium | Rs 200 per month onwards (depending on the plan) | Rs 100 per month onwards or fully paid by the government(depending on the plan) |
| Eligibility | Accessible to all societal groups | Only accessible to low-income groups |
| Policy Purchase | Policy can be bought immediately | Policy buying may take some more time |
| Private Hospital Room | Accessible (depending on the plan) | It may or may not be accessible |
| Network Hospitals | Numerous accredited private hospitals | A sizable network of hospitals, both public and private |
| Maternity Benefits | Accessible as per the plan | Accessible (Only for a single child under few cases) |
| Ambulance Charges | Available under most plans | Available under a few plans |
| Domiciliary Hospitalization Cover | Accessible as per the plan | This is not available |
| Online Renewal | Online renewal is possible | Either be renewed online or not |
| Cumulative Bonus | Accessible if no claim was filed in the previous policy year | Not available here |
| Health Check-up | Some plans include coverage | Not Covered |
| Monthly Premium Instalment Facility | Available under a few plans | Not available |
| Tax Benefits | Accessible under Income Tax Act 1961 | Not available |
Steps to Search PMJAY Hospitals
Numerous hospitals have been empanelled since the Ayushman Bharat Yojana's implementation. As of July 20, 2021, the governments of various states and union territories had empanelled about 23,300 hospitals under the programme. The official PMJAY website, has a list of all PMJAY hospital list. Here, you can quickly learn how to check the Ayushman Card list.
However, here's how to find the list of Ayushman Card hospitals under the PMJAY program.
- Step 1: Visit the Hospitals Search page.
- Step 2: Choose your district and your state.
- Step 3: Choose whether you want a public, private, for-profit, or private and non-profit hospital.
- Step 4: Choose the medical speciality that you require. General, pediatric, neurosurgery, oncology, gynaecology, etc., are a few examples.
- Step 5: Enter the captcha in the space provided.
- Step 6: Select "Search."
Ayushman card verification is required before receiving treatment at the hospitals listed in the PMJAY hospital list PDF.
Ayushman Bharat Eligibility Criteria
All individuals must ensure that their names appear in the Socio-Economic Caste Census-2011 data to receive the benefits of the Ayushman Bharat Yojana health insurance programme. This will confirm whether or not their family qualifies for Ayushman Yojna coverage. The only households eligible for PMJAY benefits are those listed in the SECC database and with active RSBY cards.
The Pradhan Mantri Jan Arogya Yojana enables eligible participants to access healthcare services throughout India.
PM-JAY Scheme: Rural Eligibility Criteria
- Households without any adults or male earners between the ages of 16 and 59
- Families occupying a single space with mud walls and a roof
- Families without any members between the ages of 16 and 59
- Households with one person with a disability and no adults in good health
- Families that gather manually
- Landless families who rely heavily on manual labour for their family income
PM-JAY Scheme: Urban Domestic Worker Criteria
- Beggar, Ragpicker
- Home-based Artist, Tailor, Sweeper, Craftsperson, Sanitation Worker, Gardner
- Worker as an electrician, mechanic, assembler, or repairer
- Worker in construction, labourer, painter, welder, security guard, and coolie
- Mason, plumber, and washer-man
- Worker in transportation, rickshaw driver, conductor, cart puller
Benefits of PM-JAY
All individuals must ensure that their names appear in the Socio-Economic Caste Census-2011 data to receive the benefits of the Ayushman Bharat Yojana health insurance programme. This will confirm whether or not their family qualifies for Ayushman Yojna coverage. The only households eligible for PMJAY benefits are those listed in the SECC database and with active RSBY cards.
The Pradhan Mantri Jan Arogya Yojana enables eligible participants to access healthcare services throughout India.
- Examination, treatment, and consultation in medicine
- Pre-hospitalization
- Services for both non-intensive and intensive care
- Investigations that are diagnostic and laboratory
- Services for medical implantation (where required)
- Accommodations advantages
- Medications and medical supplies
- Food delivery
- Problems that develop during treatment
- Follow-up care after hospitalisation for up to 15 days
One family member or the entire family can use the benefits of INR 5,00,000 because they are family floater benefits. There was a five-person family limit for the RSBY. However, based on the lessons learned from those programs, PM-JAY was created with no restrictions on family size or member ages.
Additionally, pre-existing conditions are covered right away. This means that starting the day they enrol in the program, any eligible person who has ever had a medical condition that PM-JAY did not previously cover will be able to receive treatment for all of those conditions as well.
Types of PM-JAY
There are two types of PM-JAY - Health and Wellness Centers (HWCs) and Pradhan Mantri Jan Arogya Yojana (PM-JAY).
A. Health and Wellness Centers (HWCs)
Health and Wellness Centers are designed to offer a broader range of services to meet the primary healthcare needs of the entire local population, thereby increasing accessibility, universality, and equity close to the community. The emphasis on health promotion and prevention aims to put the spotlight on keeping people healthy. This is through encouraging and empowering individuals and communities to adopt healthy behaviours and make changes that lower the risk of contracting chronic diseases.
B. Pradhan Mantri Jan Arogya Yojana (PM-JAY)
The Pradhan Mantri Jan Arogya Yojna, or PM-JAY as it is more commonly known, is the second component of Ayushman Bharat. Per family, PMJAY offers coverage of 5 lakh in health insurance, which may be used for secondary and tertiary care hospitalisation at any countrywide established hospitals. The families covered in RSBY but not listed in the SECC 2011 database are also included in the coverage mentioned under PM-JAY. The cost of implementing PM-JAY is split between the Central and State Governments, with all funding coming from the government.
Through the PM-JAY portal, individuals can determine their eligibility and find hospitals. They are not required to enrol anywhere to receive the program's benefits. However, they will be required to provide their HHD Number (Household ID Number), which is given to people who the SECC identifies.
The benefits are available at the PMJAY-identified public and private hospitals with empanelled staff. However, to receive health insurance benefits at hospitals, people must present their PMJAY health card.
List of Diseases covered in PM-JAY
In all public hospitals as well as any of the private network hospitals, PMJAY offers close to 1,350 medical packages. Some of the major diseases that the Ayushman Yojna covers are listed below
- Prostate cancer
- Carotid angioplasty with stent
- Skull base surgery
- Pulmonary valve surgery
- Double valve replacement surgery
- Grafting a coronary artery
- Anterior spine fixation
- Tissue expander for burns-related disfigurement
Frequently Asked Questions
How do I locate my PMJAY Household ID number?
Families whose identities are determined by the SECC are given a 24-digit HH ID number.
Does the Ayushman Bharat programme pay for orthopaedic care?
Orthopaedic treatment is covered by the plan up to a certain amount.
Does PMJAY cover conditions that already exist?
The PMJAY begins to cover all pre-existing conditions on day one.
Does the PMJAY scheme cover farmers?
The programme provides insurance to those who live in both rural and urban areas.
Is the Ayushman Yojana programme's health insurance coverage sufficient?
The government established this programme to ensure access to healthcare for people living in poverty and those who cannot afford to pay the annual premium amount. The cost of treating diseases like diabetes, cancer, heart attacks, and other illnesses should be covered by adequate health insurance, starting at around Rs. 10 lakh for those who can afford the premium. You can also purchase a health insurance policy worth Rs. 1 crore and more according to your budget.
What should I do if a hospital won't treat an Ayushman Bharat Scheme beneficiary?
Within 30 days of the complaint being filed, a specialised Grievance Redressal Committee that has been designated at the national, state, and district levels will settle the grievance.
Do the recipients of the Ayushman Bharat health insurance programme have to pay anything to be covered?
In accordance with established packages, the programme provides free healthcare services to beneficiaries for secondary and tertiary inpatient hospitalisation at government- and privately-accredited facilities. Additionally, the Ayushman Yojana provides them with cashless and paperless access to inpatient hospital care
What steps must I take to obtain an Ayushman card?
Ayushman Bharat Scheme registration doesn't require any special steps. All PMJAY beneficiaries are RSBY Scheme participants or have been identified by SECC 2011 for PMJAY. How to determine your eligibility as a PM-Jay beneficiary is described below.
- Go to the website's official page, select "Am I Eligible," fill out the CAPTCHA with your mobile number, and then select "Generate OTP."
- Next, choose your state and conduct a search using a mobile number, HHD number, name, or ration card number.
- Using the search results, you can determine whether the Ayushman Bharat Scheme protects your family.
On the other hand, you can check your eligibility for the PMJAY programme by contacting an Empanelled Health Care Provider or by calling the PMJAY helpline at (800) 111-565 or (14555).
What exactly is an Ayushman Bharat card?
To apply for an e-card, you must be eligible to receive PMJAY benefits. This card can be used as identification in the future to receive healthcare benefits. After confirming the beneficiary's identity at a PMJAY kiosk, this card is issued. Identity cards like your ration card or Aadhaar card are used for this.
