Ayushman Bharat Yojana | Pradhan Mantri Jan Arogya Yojana (PMJAY)

(Photo: Wikipedia, Logo of PMJAY)

Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a flagship health insurance scheme launched by the Government of India in 2018. The scheme aims to provide financial protection to poor and vulnerable families against catastrophic health expenditures. In this blog, we will discuss the key features of the scheme and provide a step-by-step guide on how to apply for it.

1.       Coverage:
The scheme covers more than 10 crore families, or approximately 50 crore individuals, who are identified as socio-economically deprived and vulnerable.

2.       Benefits:
Under the scheme, eligible families can avail of cashless and paperless hospitalization benefits of up to Rs. 5 lakh per family per year, for secondary and tertiary hospital care.

3.       Emphasis on wellness:
The scheme places a strong emphasis on wellness and preventive care. It provides for setting up of Health and Wellness Centres (HWCs) across the country to provide comprehensive primary healthcare services.

4.       Paperless transactions:
The scheme aims to promote paperless and cashless transactions in the healthcare sector, thereby reducing the burden of administrative costs and enhancing transparency and efficiency.

5.       Implementation:
The scheme is implemented through a partnership model, with the central and state governments sharing the cost of premium payments and other operational expenses.

6.       Selection of beneficiaries:
Beneficiaries are selected based on the deprivation criteria in the Socio-Economic Caste Census (SECC) 2011 data.

7.       Portability:
The scheme allows for portability of benefits, which means that eligible families can avail of benefits in any part of the country.

8.       E-card:
The scheme provides for the issuance of an e-card to eligible beneficiaries, which can be used to avail of cashless hospitalization benefits.

9.       Private sector participation:
The scheme encourages the participation of the private sector in the healthcare sector, by allowing empanelment of private hospitals to provide services under the scheme.

 

 

Step-by-Step Guide to Apply for Ayushman Bharat Yojana

 

Step 1: Visit the official website of Ayushman Bharat Yojana at https://www.pmjay.gov.in/.
 

Step 2: Click on the ‘Am I Eligible’ tab on the home page.

Step 3: Enter your mobile number and captcha code and click on the ‘Generate OTP’ button.

Step 4: Enter the OTP received on your mobile number and click on the ‘Submit’ button.

 

Step 5: Enter your name, ration card number, or SECC ID, and select your state and district from the drop-down menu.

 

Step 6: Click on the ‘Search’ button to check your eligibility for the scheme.

 

Step 7: If you are eligible, you can apply for the scheme by clicking on the ‘Apply for PMJAY’ button.

 

Step 8: Fill in the required details in the application form, including your personal details, family details, and income details.

 

Step 9: Upload the required documents, including your Aadhaar card, ration card, and income certificate.

 

Step 10: Click on the ‘Submit’ button to complete the application process.

 

Ayushman Bharat Yojana is a significant step towards ensuring universal healthcare coverage for all. It is a comprehensive health insurance scheme that provides financial protection to poor and vulnerable families against catastrophic health expenditures. The step-by-step guide provided in this blog will help you apply for the scheme and avail of its benefits.

 

Any cost or fees for Ayushman Bharat Yojana?

There is no cost or fee for applying for or availing benefits under Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY). The scheme is fully funded by the central and state governments, and eligible beneficiaries can avail of cashless and paperless hospitalization benefits of up to Rs. 5 lakh per family per year, for secondary and tertiary hospital care, without any cost or fee. However, some hospitals may charge additional fees for services that are not covered under the scheme, such as medical devices, drugs, or consumables. It is important to check with the hospital beforehand regarding any additional charges that may be applicable.