Ayushman Bharat Card
Ayushman Bharat Yozana also known as Pradhan Mantri Jan Arogya Yojana (PMJAY) is a scheme that aims to help economically vulnerable Indians who need healthcare facilities.
The Ayushman Bharat Yojana - National Health Protection Scheme has now been renamed as Pradhan Mantri Jan Arogya Yojana. This plans to make secondary and tertiary healthcare completely cashless for the underprivileged of the society. The PM Jan Arogya Yojana beneficiaries get an e-card that can be used to avail services at an empanelled hospital, public or private, anywhere in the country.
PM Jay Health Categories Eligibility Criteria
PM Jay Rural
- Those who live in scheduled caste and scheduled tribes household
- Families with no male members aged 16 to 59 years.
- Beggars and those surviving on alms
- Families with no individuals aged between 16 and 59 years
- Families having atleast one physically challenged member and no able bodied adult member.
- Landless hosehold who make a living by working as casual manual labourers.
- Primitive tribal communities
- Legally released bonded labourers
- Families living in one room makeshift houses with no proper walls or roofs.
- Manual scavenger families.
PM Jay Urban
- Washermen / chowkidars
- Ragpickers
- Mechanics, electricians, repair workers
- Domestic Help
- Sanitation workers, gardeners, sweepers
- Home based artisans or handicraft workers, tailors
- Cobblers, hawkers and other providing services by working on streets and pavements
- Plumbers, mason, construction workers, porters, welders, painters and security guards.
- Transport workers like drivers, conductors, helpers, cart or rickshaw pullers.
- Assistants, peons in small establishments, delivery boys, shopkeepers and waiters.
People not covered under health cover under PM Jan Arogya Yojana
- Those who own a two, three or four-wheeler or a motorised motor boat
- Those who own mechanised farming equipment
- Those who have Kisan cards with a credit limit of Rs.50000
- Those employed by the government
- Those who work in government managed non agriculture enterprises
- Those earning a monthly income above Rs.10000
- Those owing refrigerators and landlines
- Those with decent solidly built houses
- Those owing 5 acres or more of agricultural land
Ayushman Bharat Card Details
Advantages of Health Insurance in India
The main advantgae of having a health insurance policy is that you can avail medical treatment without suffering any strain on your finances. Moreover, as many Indians end up borrowing money informally to pay medical bills, utilising the features of PMJAY helps avoid the risk of a debt trap. You can get upto Rs.5 lakh treatment under PMJAY.
It is not always necessary that you have to be hospitalised to incur huge medical expenses. Pre-hospitalization costs for diagnostic tests as well as follow-up post-hospitalization costs can also be quite substantial. A health insurance policy helps to cover such costs, as well.
Advantages of Health Insurance in India
The main advantgae of having a health insurance policy is that you can avail medical treatment without suffering any strain on your finances. Moreover, as many Indians end up borrowing money informally to pay medical bills, utilising the features of PMJAY helps avoid the risk of a debt trap. You can get upto Rs.5 lakh treatment under PMJAY.
It is not always necessary that you have to be hospitalised to incur huge medical expenses. Pre-hospitalization costs for diagnostic tests as well as follow-up post-hospitalization costs can also be quite substantial. A health insurance policy helps to cover such costs, as well.
Application Process for Ayushman Bharat Yojana
There is no particular Ayushman Bharat registration procedure of PMJAY. PMJAY apply to all beneficiaries identified under Sec 2011 and those already part of RSBY scheme. However, here are the procedure for how you can check if you are eligible for PMJAY beneficiaries.
- Visit the PMJAY portal and click on 'Am I Eligible'
- Enter your mobile number and the CAPTCHA code and click on 'Generate OTP'
- Then select your state and search by name/HHD number/ration card number/mobile number
- Based on your search results, you can verify if your family is covered under PMJAY