Ayushman Bharat Yojana is a flagship scheme launched by the government of India on September-23-2018 as recommended by the National Health Policy. It is one of the biggest healthcare schemes that is sponsored by the Govt. of India. This scheme aims to help those people who need healthcare facilities and people who are economically vulnerable. Prime Minister rolled out Pradhan Mantri Jan Arogya Yojana intending to cover more than 10 crore poor families which is almost equal to around 50 crore Indians, which means around 40% population of the entire country.
PMJAY or Ayushman Bharat Yojana offers Cashless treatment at both government & private hospitals. This scheme covers Pre-Hospitalization costs for a period of 3 days, Hospitalization, Post-Hospitalization expenses for a period of 15 days, and medication related expenses incurred during the treatment.
The policy also covers around 1400 procedures like skull surgery, knee replacement, pediatric surgery, opthamology procedures, etc.
Some of the key features of PMJAY or Ayushman Bharat Yojana are as follows:-
Ayushman Bharat yojana or PMJAY provides healthcare services to the vulnerable and needy families in the country. The benefits that can be availed are listed below:
There are two different types of eligibility criteria for Rural and Urban people:
Families with no male members within the age group of 16-59 years
Families with no adult members within the age group of 16-59 years
Families with at least 1 physically challenged member and no-able bodied adult member
Families living in a single-room house with kaccha roofs and walls
Families living in SC and ST households
People who are living in alms or extremely poor conditions
Families who are working as a manual scavenger
Primitive Tribal Groups
Legally Released Bonded Labor
People who are working as service providers on streets like hawkers, Street vendors, Cobblers
Sweepers, Mali, and Sanitation workers
Transport workers like Conductors, Drivers, Helpers of drivers and conductors, Rickshaw pullers, cart pullers
Head-load workers like a Construction worker, Coolie with a Security guards, Welders, Painters, Labours, Mason, Plumbers
Artisan, Home-based workers, Handicraft workers, and Tailors
Chowkidars and Washer-man
Shop worker, Delivery boys, Peon in a small establishments, Waiters, Attendants
Mechanics, Electricians, Repair worker, Assembler
The following treatments are covered under the PMJAY:
1 Pre-hospitalization is covered for 15 days.
2 The scheme also offers coverage for medicines and medicinal consumables.
3 The scheme also covers the hospital accommodation charges.
4 The scheme covers doctor consultation charges, medical examination, and treatment charges.
The following people are not covered under the Ayushman Bharat yojana Scheme:
It is a simple process to register for PMJAY or Ayushman Bharat Yojana Scheme. It applies to all beneficiaries who are identified under the list of SECC 2011 and are a part of the RBSY scheme. You can follow these simple steps to register for PMJAY online:
Ayushman Bharat Yojana or PMJAY covers around 1,350 medical packages at their impaneled public and private hospitals. Below are some of the Critical Illnesses that are covered under the scheme:
Below are the steps by which you can apply or download your Ayushman card online:
The PMJAY or Ayushman Bharat Yojana provides Health Insurance to needy people without any premium. It covers both Pre and Post-hospitalization costs along with ambulance charges and all the expenses related to medicines and medical consumables.
The Ayushman Mitras are there at the Help Desks of the impaneled hospitals to help the beneficiaries. Ayushman Mitras verify the documents, eligibility criteria and the enrolment process and provide QR codes to the beneficiaries so that they can scan the code and check their eligibility to avail the benefits of the scheme.
COVID-19 Testing and Treatment is now available under PMJAY or Ayushman Bharat Yojana. The Scheme provides free testing through private labs and free treatment for COVID-19 in impaneled hospitals. To avail of these benefits, an eligible person has to show his/her e-card and some other documents like an Adhar card, Voter ID, etc.
Address: 9th Floor, Tower-l, Jeevan Bharati Building, Connaught Place, New Delhi - 110001
Toll-Free No. - 14555
Email Address - pmjay[at]nha[dot]gov[dot]in
Written By : Naval Goel
Last Updated : September, 2021
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