The Ayushman Bharat Scheme, also known as Pradhan Mantri Jan Arogya Yojana (PMJAY), is a significant health insurance initiative launched by the Indian government in 2018. The scheme aims to provide free medical treatment to economically disadvantaged families across India.
Key Features:
- Annual Coverage: Provides health insurance up to ₹5 lakh per family.
- Scope: Covers secondary and tertiary healthcare, including hospital admissions, surgeries, medicines, and diagnostics.
- Eligibility: Available to approximately 10.74 crore poor and marginalized families. Treatment is accessible in both public and private hospitals, with no age limit and coverage for pre-existing conditions.
Documents Required for Ayushman Card: To benefit from the Ayushman Bharat Scheme, families must obtain an Ayushman Card. Essential documents include:
- Aadhaar Card: Proof of identity and address.
- Ration Card: Verification of economic status (BPL or AAY cardholders).
- Voter ID Card: Optional, for identity verification.
- SECC Data Proof: Eligibility confirmation if listed in the SECC 2011 list.
- Bank Account Details: For financial transactions.
- Mobile Number: For contact and OTP verification.
- Passport-sized Photo: For the card.
Eligibility Criteria:
- Name must be on the SECC 2011 list.
- Must hold a BPL or AAY ration card.
- Annual income should be less than ₹5 lakh.
- Should not have health insurance under any other government scheme.
Application Procedure:
- Visit the official Ayushman Bharat website https://pmjay.gov.in.
- Check eligibility by selecting your state and verifying via Aadhaar or mobile number.
- Fill in family details, upload required documents, and submit the form.
- Download the Ayushman Card upon approval.
Benefits:
- Free Treatment: Cashless treatment up to ₹5 lakh.
- Extensive Coverage: Over 1,400 diseases covered.
- Pan-India Access: Treatment available at any registered hospital.
- Paperless Transactions: Digital and cashless processing.
- Family Coverage: Includes all family members.
- Pre and Post-Hospitalization Expenses: Covered.
- 24×7 Helpline: Available for assistance.
The Ayushman Bharat Scheme aims to enhance healthcare accessibility for India’s economically disadvantaged, ensuring quality medical services are within reach for those in need.