Ayushman Bharat aims to transform healthcare delivery from a fragmented system to a holistic and need-based system. The scheme adopts a comprehensive approach to disease prevention, awareness, and treatment, taking into account health care services at the primary, secondary, and tertiary levels. It consists of two major components. Pradhan Mantri Jan Arogya Yojana (PM-JAY) was launched by Prime Minister Shri Narendra Modi on 23 September 2018 in Ranchi, Jharkhand.
PM-JAY is considered to be the world’s largest health protection scheme, which aims to provide annual health coverage of ₹5,00,000 per family to about 10.74 crore poor and vulnerable families (about 50 crore people). The scheme is selected on the basis of the Socio-Economic Caste Census (SECC) of 2011 and is fully funded by the Central and State Governments.
Benefits of Pradhan Mantri Jan Arogya Yojana
Under PM-JAY, eligible families get cashless health cover of up to ₹5,00,000. This cover covers the following services:
- Medical consultation, treatment, and investigations
- Essential pre-hospitalization services
- Medicines and medical supplies
- General and intensive care
- Laboratory tests and diagnostic services
- Medical implants (where required)
- Post-hospitalization care (up to 15 days)
- Complications arising during treatment
PM-JAY offers cashless hospitalization for various medical services, including consultations, medicines, surgery, diagnostics, and post-treatment care. There is no cap on family size or age, and pre-existing conditions are covered from day one.
This plan works on a family floater basis, i.e. all members of the family can avail the benefits. There is no limit on family size and age of the member, and treatment of pre-existing diseases is also covered under the plan.
Documents Required:
- Identity Proof (Aadhaar Card / PAN Card)
- Address Proof
- Income Certificate
- Contact Details (Mobile Number, Email)
- Family Status Proof (Joint or Single Family)
Eligibility
Beneficiaries in rural areas:
PM-JAY for rural areas covers families that meet any one of the following criteria:
- Kutcha houses (one-room)
- No adult member in the age group of 16-59
- Families with a disabled member
- Families from Scheduled Castes or Tribes
- Landless workers
Beneficiaries in urban areas:
For urban areas, the following categories of workers are eligible:
- Safai Karmacharis
- Domestic workers
- Street vendors
- Construction workers
- Transport workers
- Workers working in shops
- Electricians, mechanics, and other technical workers
Coverage:
PM-JAY covers more than 50 crore beneficiaries from the poorest families, identified based on the Socio-Economic Caste Census (SECC) 2011. The scheme covers both rural and urban areas, including various deprived groups and informal workers.
70 Years Old Ayushman Card Download Pdf By PMJAY Portal 2024
Pradhan Mantri Jan Arogya Yojana Apply Online
Applying for Pradhan Mantri Jan Arogya Yojana or applying for Ayushman Card Scheme is a very easy online process. You can easily apply for it from your mobile.
- First of all you have to visit the official website of PMJAY.
- Now you have to enter your mobile number after entering the captcha code.
- Now OTP will come on your mobile number, first enter the OTP and then enter the captcha code again and submit.
- Now you have to select Scheme, State, Sub Scheme, District, Search By
- [Note: Select PMJAY in Scheme and Sub Scheme]
- Now an OTP will come on your mobile, verify it.
- Now upload your photo. After this submit it.
- Now you have to wait for 15-20 minutes. After this your Ayushman card will be approved.
Offline Application:
The application process for PM-JAY is done in the following steps:
- Submit Documents: The beneficiary has to submit his identity and other required documents like Aadhaar card, ration card, etc.
- Beneficiary Identification: The name of the beneficiary is checked from the SECC list with the help of Arogya Mitra.
- Issuance of e-card: If the beneficiary is found eligible, then he/she is issued an e-card of PM-JAY.
Conclusion
Ayushman Bharat Yojana has brought about a sea change in the Indian health sector, providing an opportunity to live a healthy life to all sections of the society. This scheme not only makes healthcare accessible but also provides great relief to the poor and weaker sections of the society, allowing them to avail better medical facilities.