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Pradhan Mantri Jan Arogya Yojana (PMJAY), also known as the Ayushman Bharat Yojana, is a health insurance scheme launched by the Government of India to offer universal health coverage to all. The scheme provides Rs. 5 lakh coverage to every family per year, thus helping the economically disadvantaged access healthcare services easily. To apply for the scheme, individuals can visit the official PMJAY website and enter their mobile number or ration card number to check their eligibility. If eligible, they can then complete the registration process by providing the required details and documents.
| Characteristics | Values |
|---|---|
| Name of Scheme | Pradhan Mantri Jan Arogya Yojana (PMJAY) |
| Other Names | Ayushman Bharat Yojana, Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) |
| Year Launched | 2018 |
| Coverage | Rs.5 lakh per family per year |
| Beneficiaries | Over 12 crore vulnerable families, around 55 crore individuals, 6 crore senior citizens |
| Age Limit | No cap on age of members |
| Pre-existing Diseases | Covered from the first day |
| Hospitalisation Expenses | Pre-hospitalisation (3 days) and post-hospitalisation (15 days) covered |
| Medical Conditions Covered | Oncology, cardiology, orthopaedics, neurosurgery, paediatrics, etc. |
| Multi-Surgical Coverage | First surgery at full cost, second at 50% cost, third at 25% cost |
| Eligibility Criteria | Families identified under the Socio-Economic and Caste Census (SECC-2011) |
| Application Process | Visit official PMJAY website, enter mobile number and captcha code, generate and enter OTP, select state, check eligibility |
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What You'll Learn
Eligibility criteria for Pradhan Mantri Ayushman Bharat Yojana
The Pradhan Mantri Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PM-JAY), is a health insurance scheme provided by the Government of India. It is the largest health assurance scheme in the world, aiming to provide healthcare services to the poor and vulnerable. The scheme provides financial protection of up to Rs. 5 lakh per family per year for hospitalisation expenses, including post-discharge care and medication expenses.
The eligibility criteria for the Pradhan Mantri Ayushman Bharat Yojana are as follows:
- The scheme is targeted towards poor and vulnerable families, specifically those identified as beneficiaries under the Socio-Economic and Caste Census (SECC-2011) data. The SECC database is used to identify families based on deprivation and occupational criteria in both rural and urban areas.
- All senior citizens aged 70 years and above are covered under this scheme, irrespective of their income or socio-economic status.
- In rural areas, the PMJAY health cover is available to those living in scheduled caste and scheduled tribe households.
- The scheme also includes families who were previously covered under the Rashtriya Swasthya Bima Yojana (RSBY).
- The PMJAY scheme covers over 1,949 treatments, including life-saving surgeries, cardiac procedures, and cancer treatments.
- The benefits of the scheme can be availed at any government hospital or empanelled private hospital across India.
- There is no enrollment process for PM-JAY. Eligible families are identified by the government, and a dedicated PM-JAY family identification number is allotted.
- An e-card or Ayushman card is provided to beneficiaries to avail of cashless treatment at empanelled hospitals.
- The scheme also covers newborn children, who can be added to the beneficiary family by providing the necessary documents.
The Pradhan Mantri Ayushman Bharat Yojana is a flagship scheme of the Government of India, aiming to provide universal health coverage and meet Sustainable Development Goals. It is designed to ensure that citizens, especially the poor and vulnerable, have universal access to good quality hospital services without facing financial hardship.
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How to register for Pradhan Mantri Ayushman Bharat Yojana
Pradhan Mantri Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a health insurance scheme launched by the Government of India. It aims to provide universal health coverage to all, especially vulnerable families, by offering Rs. 5 lakh coverage to every family per year.
Step 1: Visit the Official Website
Go to the Pradhan Mantri Ayushman Bharat Yojana website.
Step 2: Enter Your Mobile Number and Captcha Code
On the website, you will be required to enter your mobile number and the captcha code. After entering these details, click on the "Generate OTP" option.
Step 3: Verify Your Mobile Number
An OTP will be sent to your mobile number. Enter this OTP on the website to verify your mobile number and complete the verification process.
Step 4: Select Your State
Once verified, you will be taken to the PMJAY login screen. Here, you need to select the state from which you are applying for the scheme.
Step 5: Check Your Eligibility
After selecting your state, you can choose how you want to check your eligibility. You can either enter your mobile number or ration card number to determine your eligibility.
Step 6: Check Your Name in the List of Eligible Beneficiaries
If your family is eligible for the scheme, your name will appear in the list of eligible beneficiaries. You can also click on the "Family Members" tab to check the beneficiary details.
Step 7: Apply for the PMJAY Card
If you are eligible and do not have a PMJAY card, click on the "Apply" button under the "Action" column. You will then need to authenticate your Aadhaar card through the OTP received on your mobile number.
Step 8: Obtain Your Ayushman Card
If your application is successful, you will receive your Ayushman Card. This card is required to avail of the benefits of the scheme at empanelled hospitals.
It is important to note that all hospitals empanelled under the Pradhan Mantri Ayushman Bharat Yojana have an "Ayushman Mitra" to help insured families. This person will check your eligibility and facilitate cashless medical treatment if you are eligible.
Additionally, the scheme covers all pre-existing health conditions and provides comprehensive coverage in various specialty areas, including oncology, cardiology, and orthopaedics.
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Benefits of Pradhan Mantri Ayushman Bharat Yojana
Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a pioneering initiative by Prime Minister Narendra Modi to ensure that the poor and vulnerable population is provided with health coverage. It is the largest health assurance scheme in the world, aiming to provide a health cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization to over 10.74 crores poor and vulnerable families (approximately 50 crore beneficiaries) that form the bottom 40% of the Indian population. Here are some benefits of the Pradhan Mantri Ayushman Bharat Yojana:
Universal Health Coverage
The scheme aims to achieve Universal Health Coverage (UHC), ensuring that all citizens, especially the poor and vulnerable, have universal access to good quality hospital services. It covers hospitalization expenses, daycare surgeries, follow-up care, pre and post-hospitalization expense benefits, and newborn child/children services.
Comprehensive Coverage
PM-JAY provides comprehensive coverage across 27 specialty areas, including oncology, cardiology, and orthopaedics. It also covers post-discharge care and associated medication expenses, as well as multiple surgical procedures with subsequent procedures covered at reduced rates.
Critical Illness Coverage
The scheme provides financial assistance for the treatment of critical illnesses, including cancer, heart surgery, organ transplants, and other life-threatening conditions. It also covers COVID-19 treatment, including quarantine and isolation costs, hospitalization for complications, and diagnostic tests at empanelled hospitals.
Cashless Treatment
PM-JAY beneficiaries can avail of cashless treatment at all public hospitals and empanelled private healthcare facilities across the country. Beneficiaries receive an "Ayushman Card" to access these services. This protects families from catastrophic financial shocks due to hospitalization.
No Cap on Family Size or Age
The benefits of Rs. 5 lakhs are on a family floater basis, with no cap on family size or the age of members. Additionally, pre-existing diseases are covered from the first day of enrollment.
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Pradhan Mantri Ayushman Bharat Yojana for senior citizens
Pradhan Mantri 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. The scheme aims to provide universal health coverage to all, with a specific focus on the economically weaker sections of society. Launched in 2018, PMJAY is the world's largest health assurance scheme, providing coverage to approximately 40% of India's population, or about 55 crore beneficiaries.
PMJAY offers a comprehensive health insurance package to individuals and families, covering a wide range of medical expenses. The scheme provides a lump sum of Rs. 5 lakh per family per year for secondary and tertiary care hospitalisation. This amount is sufficient to cover medical and surgical treatments in 25-27 speciality areas, including cardiology, neurosurgery, oncology, paediatrics, and orthopaedics. One of the key advantages of PMJAY is its coverage of pre-existing diseases from the very first day, ensuring that eligible individuals with prior medical conditions can receive treatment without any waiting period.
Senior citizens who are already enrolled in other public health insurance schemes, such as the Central Government Health Scheme (CGHS) or the Ex-Servicemen Contributory Health Scheme (ECHS), have the option to either continue with their current scheme or switch to PMJAY. It is generally advised that senior citizens have a separate health insurance plan to adequately cover their medical expenses. PMJAY provides an attractive option for senior citizens, as it offers comprehensive coverage without any restrictions on age or family size.
To check eligibility and enrol in the Pradhan Mantri Ayushman Bharat Yojana for senior citizens, individuals can visit the official PMJAY website and enter their mobile number or ration card number. The scheme has been designed to provide easy access to healthcare services for the poor and vulnerable, ensuring that no one is left behind. By addressing the challenges of medical inflation and the high cost of healthcare, PMJAY plays a crucial role in protecting families from catastrophic financial shocks due to hospitalisation.
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Pradhan Mantri Ayushman Bharat Yojana for vulnerable families
Pradhan Mantri Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a health insurance scheme launched by the Government of India in 2018. It is a part of the National Health Protection Scheme (NHPS) and aims to provide universal health coverage to all. The scheme covers approximately 40% of India's population, which equates to around 4.5 crore families, including 6 crore senior citizens.
PMJAY provides crucial healthcare access to the most vulnerable segments of the population. It offers a health cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization. The scheme covers 25-27 specialty areas, including cardiology, neurosurgery, oncology, paediatrics, and orthopaedics. Unlike other health insurance schemes, there is no waiting period for pre-existing diseases under PMJAY, and it covers expenses incurred during COVID-19 treatment, including quarantine and isolation costs.
To enrol in the Pradhan Mantri Ayushman Bharat Yojana, you must first visit the official PMJAY website. Here, you will enter your mobile number and the captcha code, followed by clicking on the 'Generate OTP' option. An OTP will be sent to your mobile number, which you can use to access the website and complete the verification process. After this, you must select the state from which you are applying and choose your eligibility criteria. If you are eligible, your name will appear on the right-hand side of the page, and you can check beneficiary details by clicking on the 'Family Members' tab.
Once enrolled, an enrollment letter containing a unique QR code and identification number is sent to help identify your family members in case of a hospitalisation claim. All hospitals empanelled under the scheme have an 'Ayushman Mitra' to assist insured families in getting cashless medical treatment. The Ayushman Mitra checks your eligibility by scanning the QR code from your enrollment letter. After submitting valid identification proof, you are issued a Golden Card to avail of cashless hospitalisation treatment at any government or empanelled private hospital.
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