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Ayushman Bharat is a flagship initiative by the Indian government designed to provide comprehensive healthcare coverage to its citizens. It was introduced in alignment with the National Health Policy of 2017.
Under Ayushman Bharat, each eligible family can receive an annual healthcare coverage of ₹5 lakhs for secondary and tertiary hospitalisation expenses, which can be used in both public and private hospitals across India.
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What is Ayushman Bharat Pradhan Mantri Jan Arogya Yojana?
The Pradhan Mantri Jan Arogya Yojana (PM-JAY), part of Ayushman Bharat, is a government-funded health insurance scheme. It is fully financed by the government with implementation costs shared between the Central and State Governments.
The services covered by Ayushman Bharat health insurance include hospitalisation costs, daycare surgeries, post-hospitalisation care, pre-hospitalization benefits, and healthcare services for newborn children.
PM-JAY is known to have the overarching goal of transforming the healthcare system, including preventive measures, health promotion, and outpatient care.
Key Highlights of PM-JAY
PM-JAY offers comprehensive coverage of ₹5 lakhs per family each year for hospitalisation (secondary and tertiary), accessible through a network of approved public and private hospitals across India.
At the point of service, PM-JAY facilitates cashless access to healthcare services for the beneficiaries when they visit a hospital.
It includes coverage for up to 3 days of pre-hospitalisation and 15 days of post-hospitalization expenses, encompassing diagnostics and medication costs.
The PM-JAY scheme has no restrictions regarding family size, age, or gender.
From the very beginning, PM-JAY covers all pre-existing medical conditions.
The scheme's advantages are transferable across the entire nation, enabling beneficiaries to receive cashless treatment at any accredited public or private hospital in India.
Ayushman Bharat health insurance includes approximately 1,929 medical procedures, encompassing all expenses associated with treatment, including but not limited to medications, supplies, diagnostic services, physician fees, room charges, surgeon fees, operating theatre and intensive care unit expenses, and more.
Public hospitals are reimbursed for healthcare services at rates equivalent to those paid to private hospitals.
What is the ABHA Card?
The Indian government introduced the Ayushman Bharat Health Account (ABHA) in 2021, formerly known as the Ayushman Bharat Health ID, to equip the populace with a digital health identity.
The ABHA card is a distinctive health identifier employing a 14-digit identification code, which can be created using either your Aadhaar card or mobile number.
This system empowers you to electronically share your medical records with healthcare facilities, clinics, insurance companies, and various other stakeholders.
How to Apply for the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana?
This initiative, established by the Indian government, is a rights-based program aimed at assisting underprivileged segments of society.
As a result, there is no formal registration process; beneficiaries are enrolled based on the Socio-Economic Caste Census of 2011 and their inclusion in the Rashtriya Swasthya Bima Yojana (RSBY) plan. To check your eligibility for this scheme, please follow these steps:
Step 1: Visit the dedicated government website for the Pradhan Mantri Jan Arogya Yojana or PM-JAY scheme and click on the "Am I Eligible" icon.
Step 2: Provide your contact information and generate an OTP (One-Time Password).
Step 3: Select your state.
Step 4: Perform a search using your name, mobile number, Household ID (HJD) number, or ration card number.
If your family is enrolled in the Ayushman Bharat Yojana, your name will be visible in the outcomes.
In addition, you can contact the Ayushman Bharat Yojana customer support at 1800-111-565 or 14555. Or, you may reach out to any of the Empanelled Health Care Providers (EHCP) for assistance.
Documents Required During The PM-JAY Ayushman Application Process
Proof of address
Age and identity proof (Aadhaar Card / PAN Card)
Caste certificate
Contact details (Mobile number, e-mail address, etc.)
Income certificate
Aadhaar Card
Documented proof of the current status of the family (joint or nuclear)
Conclusion
The Ayushman Bharat health card is a unique health identifier that allows you to access medical services and health records. There is no formal registration process to apply for the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana. However, you can check your eligibility for this scheme online by visiting its official website.
Some important documents that may be required are address proof, identity proof, caste certification, etc. You can easily search and download your ABHA card using either your Aadhaar card or mobile number.
