Ayushman Bharat Yojana

Ayushman Bharat Yojana, also known as Pradhan Mantri Jan Arogya Yojana (PMJAY), is a flagship health insurance scheme launched by the Government of India. This scheme aims to provide affordable healthcare services to the poor and economically weaker sections of society. Officially launched on September 23, 2018, by Prime Minister Narendra Modi, it is considered one of the world’s largest healthcare initiatives, aiming to benefit approximately 50 crore citizens across India.

The primary goal of Ayushman Bharat Yojana is to make healthcare accessible to all, especially those who cannot afford expensive medical treatments. The scheme provides health insurance coverage of up to Rs. 5 lakh per family per year, covering various medical expenses, hospitalizations, and surgeries. This initiative has proven to be a great relief for underprivileged families, ensuring that they can receive essential medical care without worrying about financial strain.

The scheme has already benefited millions of people across India, offering them a chance to access quality medical services. With its extensive coverage and easy-to-use features, Ayushman Bharat Yojana is making a huge difference in the lives of those who need healthcare the most.

What is Ayushman Bharat Yojana (PMJAY)?

ayushman yojana

Name of the Scheme Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)
Launch Date September 23, 2018
Coverage Per Family Rs. 5 lakh per year
Procedures Covered 1,400 medical procedures
Pre-hospitalization Coverage Up to 3 days
Post-hospitalization Coverage Up to 15 days
Helpline Numbers 1800-111-565 or 14555
Official Website pmjay.gov.in

Ayushman Bharat Yojana, also known as PMJAY, is a government-sponsored health insurance scheme designed to provide financial assistance for medical treatments to the underprivileged. Under this scheme, families can receive insurance coverage up to Rs. 5 lakh annually, ensuring they have access to essential healthcare services.

PMJAY Eligibility Criteria

PMJAY aims to cover the most vulnerable and low-income families across both rural and urban areas. The eligibility criteria are designed to focus on those who face financial difficulties in accessing healthcare.

Eligibility for Rural Areas

In rural regions, families living in poor housing conditions, those without adult members capable of working, and those relying on alms are among the main beneficiaries. Additionally, families enrolled in the Rashtriya Swasthya Bima Yojana (RSBY) are automatically eligible for PMJAY benefits.

Eligibility for Urban Areas

In urban areas, PMJAY targets informal workers such as street vendors, domestic helpers, and artisans. These workers often have irregular incomes and lack access to healthcare services, making them prime candidates for the scheme. Like in rural areas, families already enrolled under RSBY also qualify for PMJAY.

What is Covered Under Ayushman Bharat Yojana?

Ayushman Bharat Yojana provides a wide range of medical services and treatments to beneficiaries. The key benefits covered under the scheme include:

  • Medical examinations, consultations, and treatments
  • Pre-hospitalization expenses for up to 3 days
  • Post-hospitalization expenses for up to 15 days
  • Non-intensive and intensive care services
  • Diagnostic tests and laboratory investigations
  • Accommodation and meals during hospitalization
  • Medical implants and essential medical consumables
  • Coverage for treatment-related complications

These services ensure that the beneficiaries receive comprehensive medical care without the burden of high medical costs.

What is Not Covered Under Ayushman Bharat Yojana?

Although Ayushman Bharat Yojana covers a vast range of medical services, some certain treatments and procedures are not included in the scheme. These include:

  • Out-Patient Department (OPD) expenses
  • Cosmetic surgeries
  • Drug rehabilitation programs
  • Fertility treatments
  • Individual diagnostic tests
  • Organ transplants

These exclusions allow the scheme to focus on providing critical healthcare services to those in need.

How to Check Ayushman Bharat Yojana Eligibility Online?

You can easily check your eligibility for the Ayushman Bharat Yojana online by following these simple steps:

  1. Visit the official website of PMJAY at pmjay.gov.in.
  2. Click on the “Am I Eligible” option on the homepage.
  3. Enter your mobile number and the displayed captcha code.
  4. Click on “Generate OTP” and enter the OTP sent to your mobile number.
  5. Provide the required details such as your name, state, and family information.
  6. Submit the details to check your eligibility for the scheme.

How to Download Ayushman Card Online?

Downloading the Ayushman card is a quick and simple process. Follow these steps:

  1. Go to the official PMJAY website at pmjay.gov.in.
  2. Select the option to download the Ayushman card.
  3. Enter your registered mobile number and the captcha code.
  4. Once submitted, your Ayushman card will be displayed on the screen.
  5. Download and take a printout of the card for future use.

With the Ayushman card, you can avail of the benefits of cashless hospitalization and medical services at impanelled hospitals across India. This card ensures that you receive the necessary healthcare without worrying about the financial burden.