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The Pradhan Mantri Jan Arogya Yojana (PMJAY), also known as Ayushman Bharat Yojana (AB-PMJAY), is the national scheme launched by the government of India in 2018. The largest government-funded scheme and healthcare program aims to provide coverage for the bottom 40% of the Indian population.
Under the scheme Ayushman Bharat Yojana, you can get health insurance coverage of up to Rs 5 Lakhs per year for secondary and tertiary hospitalisation.
Let us understand this with an example
Raju is the auto-driver and sole breadwinner in a family of 5 people and his family falls below the poverty line (BPL). Sometimes, they are not able to afford a proper 3-times diet. Raju works hard every day for 13 to 14 hours to earn money. Due to this hard work and restlessness, he developed a heart problem. Now doctors have told him that he requires heart bypass surgery. This procedure typically incurs high costs.
Fortunately, one of his regular passengers registered him on time for the Ayushman Bharat scheme. He got the assistance of Rs. 5 Lakhs which reduced the financial burden on the family. Now, he can go to any empanelled hospital and get the surgery done, without paying any cost with the help of PMJAY.
This is the scheme launched by our current Prime Minister intending to cover more than 10 crore poor families. PMJAY or Ayushman Bharat Yojana offers cashless treatment at government and private hospitals. This scheme typically covers the cost of pre-hospitalisation for 3 days, hospitalisation, post-hospitalisation for 15 days, and medicines costs incurred during the treatment.
The eligibility of the Pradhan Mantri Jan Arogya Yojana (PMJAY) is determined solely based on socio-economic factors. These are given below for your reference.
| Rural Families | Urban Families |
| Families living in homes with makeshift walls and roofs. | Employed in any specific occupation. |
| People depend on alms. | People who are not able to meet the sole criterion of income. |
| Families who are dependent on manual labour as their primary income source. | Family size exceeds the annual income. |
| Landless families. | Domestic workers, ragpickers, and beggars. |
| Households headed by a female with no adult members between 16 to 59 years old. | Cobbler, street vendor, hawker and watchman. |
| Families with disabled members. | Drivers, transport workers, conductors, rickshaw pullers and helpers. |
| Households belonging to the SC or ST category. | Mechanic, electrician, repair worker and sanitation worker. |
Hospitalisation Charges
Medical Examination
Consultation by an expert doctor
Pre and post-hospitalisation
Non-intensive and intensive care services
Complications arising during the treatment
Surgeries
Diagnostic and laboratory charges
Pre-existing diseases
You need to follow the steps to apply for Ayushman Bharat Yojana:
Visit the official website of PMJAY and then click on "Am I eligible".
Enter your mobile number, CAPTCHA code, and click on the "Generate OTP button".
Enter your name, household number, ration card number, and select your state.
You can verify your registration based on the search results.
Below are the steps by which you can apply or download your Ayushman card online:
Visit the official website of the Ayushman Bharat Yojana or PMJAY.
Sign up with your Email ID and generate a password.
To proceed further, Aaadhar number needs to be entered.
Then, click on "approved beneficiary".
It will redirect you to the Help Center.
Enter your password in CSC and PIN.
Now, it will redirect you to the home page.
Now you can see the download option by which you can download your "Ayushman Bharat Golden Card".
You cannot avail of the benefits of PMJAY or Ayushman Bharat Yojana if you are:
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
The Ayushman Bharat Yojana is a significant initiative done by the Indian government to address the healthcare accessibility of low-income families. But remember, this scheme is not for everyone, it is only for the people who are living below the poverty line. So, if you know someone who needs this scheme, please enlighten them.
If you need any kind of assistance, reach out to us at PolicyX.
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