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1.PMJAY: Ayushman Bharat Yojana Scheme, Benefits, Apply Online
The Pradhan Mantri Jan Arogya Yojana (PMJAY) popularly known as Ayushman Bharat Yojana Scheme is the flagship scheme by the Government of India. It is essentially a health insurance scheme to cater to the poor, lower section of the society, and the vulnerable population. The scheme offers financial protection in case of hospitalization due to medical emergencies. This article is a detailed guide about the government’s health insurance scheme’s eligibility, features, benefits, and the application process.
2 What is Ayushman Bharat Yojana Scheme (PMJAY)?
Considered as one of the biggest healthcare schemes in the world, Ayushman Bharat Yojana
3. aims to cover more than 50 crore Indian citizens. It is designed especially for the economically weaker sections of the country. The PMJAY was launched
4.in September 2018 providing health insurance coverage of a maximum sum insured amount of Rs.5 lakh.
The government health insurance scheme covers most of the medical treatment costs, medicines, diagnostics, and pre-hospitalization expenses. Additionally, the scheme offers cashless hospitalization services through the Ayushman Bharat Yojana e-card which you can use to get healthcare services at any of the impaneled hospitals across the country. Beneficiaries of the scheme can avail of hospitalization for necessary treatment by showing their PMJAY e-card.
5. What is Covered Under Ayushman Bharat Yojana Scheme?
With the intention to provide accessible healthcare to the poor and needy, the Ayushman Bharat Yojana Scheme offers coverage of up to Rs.5 lakh per family per year for secondary and tertiary hospitalization care.
The health insurance under AB-PMJAY includes hospitalization costs of beneficiaries and includes the below components:
• Medical examination, consultation, and treatment.
• Pre-hospitalisation.
• Non-intensive and intensive care services.
• Medicine and medical consumables.
• Diagnostic and laboratory services.
• Accommodation.
• Medical implant services, wherever possible.
• Food services.
• Complication arising during treatment.
• Post-hospitalization expenses for up to 15 days.
• COVID-19 (Coronavirus) treatment.
Features of Ayushman Bharat Yojana Scheme
Below are some of the key features of the PMJAY scheme:
. It is one of the world’s largest health insurance schemes financed by the government of India.
• Coverage of Rs.5 lakh per family per annum for secondary and tertiary care across public and private hospitals.
Approximately 50 crore beneficiaries crore poor and vulnerable entitled fam are eligible for the scheme.
• Cashless hospitalisation.
• Covers up to 3 days of pre-hospitalisation expenses such as medicines and diagnostics.
• Covers up to 15 days of post-hospitalisation expenses which include medicines and diagnostics.
• No restriction on the family size, gender or age.
. Can avail services across the country at any of the empanelled public and private hospitals.
• All pre-existing conditions covered from day one.
. The scheme includes 1,393 medical procedures.
• Includes costs for diagnostic services, drugs, room charges, physician’s fees, surgeon charges, supplies, ICU, and OT charges.
• Public hospitals are reimbursed at par with private hospitals.
Benefits of Ayushman Bharat Yojana Scheme:
The scheme is targeted at the vulnerable and underprivileged sections of society. To cater to them, below are the benefits of the PMJAY:
• It covers all hospitalization expenses with cashless transactions to beneficiaries.
• Accommodation dCan be used by all family members.
• No cap on family size, age, or gender.
• Pre-existing conditions are included from day one.
List of Critical Diseases or Illnesses Covered Under Ayushman Bharat Yojana Scheme:
The medical care scheme extended coverage for more than 1300 medical packages at impaneled public and private hospitals in the country. Below are some of the critical illnesses covered under the Ayushman Bharat Yojana:
. Prostate cancer
Double valve replacement.
• Coronary artery bypass graft.
• Double valve replacement.
• Coronary artery bypass graft.
• COVID-19.
• Pulmonary valve replacement.
. Skull base surgery.
• Anterior spine fixation.
• Laryngopharyngectomy with gastric pull-up
• Tissue expander for disfigurement following burns.
• Carotid angioplasty with stent.
Documents Required to Apply For Ayushman Bharat Yojana Scheme:
Below is the list of documents required to apply for the PMJAY scheme:
Identity and Age Proof (Aadhaar Card/PAN Card)
• Details of your mobile number, email address,
and residential address.
PMJAY Hospital List:
To find out the Ayushman Bharat hospital list, follow the below steps to find out the PMJAY hospital list:
• Step 1: Visit the official website of the PMJAY
– Hospitals list section
• Step 2: Select your state and the dist
Step 3: Now, choose the type of hospital (Or blic/private-for-profit/private and not for profit)
• Step 4: Choose the medical specialty you are looking for.
• Step 5: Enter the “Captcha Code” and click on search.
Who Can Apply For This Scheme
It must be noted that the Government Of India has decided that all the people of Jammu And Kashmir can apply for these cards and there are not criteria for Jammu And Kashmir like that of other states where only those people can apply whose names are present in the list.
How To Apply
Those people who want to apply for this scheme can visit the nearest CSC (Common Service Center) or Khadmat Center in order to apply.
Or Contact during hospitalization.
• Pre and post- hospitalization costs.
• Any complications arising during the
