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.
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||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|
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.
Ayushman card verification is required before receiving treatment at the hospitals listed in the PMJAY hospital list PDF.
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.
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.
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.
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
Families whose identities are determined by the SECC are given a 24-digit HH ID number.
Orthopaedic treatment is covered by the plan up to a certain amount.
The PMJAY begins to cover all pre-existing conditions on day one.
The programme provides insurance to those who live in both rural and urban areas.
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.
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.
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
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.
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).
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.