Ayushman Bharat Health Insurance Scheme Card Registration [Pm Jan Arogya Yojana] : Ayushman Bharat Card, Scheme Eligibility, How to Enroll

Apply Online : Ayushman Bharat Health Insurance Scheme Card Registration [Pm Jan Arogya Yojana] : Ayushman Bharat Card, Scheme Eligibility, How to Enroll Online

Ayushman Bharat Health Insurance Scheme Key Points

• Scheme Name : Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY)
• Card Name : Ayushman Bharat Card
• Eligibility : Low-income groups, SC/ST, EWS
• Coverage : Up to Rs. 5 lakh/year per family
• Contact : Helpline 1800-111-565, Email: [email protected]

• Registration :
  • Visit PMJAY Website -pmjay.gov.in
  • Check eligibility
  • Submit required documents

Ayushman Bharat Health Insurance Scheme Card Registration [Pm Jan Arogya Yojana] : Ayushman Bharat Card, Scheme Eligibility, How to Enroll

During his Independence Day speech in 2018, Prime Minister Narendra Modi declared the beginning of the Pradhan Mantri Jan Arogya Yojana (PMJAY), also known as the Ayushman Bharat Yojana. The Government of India funds PMJAY, a flagship National Health Protection Scheme that was officially launched on September 23, 2018. Its goal is to provide almost 50 crore Indian individuals, especially those living in impoverished rural and urban households, with healthcare coverage for the economically disadvantaged segments of society.

With a maximum annual sum insured of Rs. 5 lakh per household, the program, which comprises the Senior Citizen Health Insurance Scheme (SCHIS) and Rashtriya Swasthya Bima Yojana (RSBY), provides health insurance.

Pre-hospitalization charges, prescription drugs, diagnostic tests, and the majority of medical treatment expenditures are covered. Through their Ayushman card, beneficiaries can receive cashless hospitalization at any hospital that has been accredited nationwide. This improves the underprivileged’s access to high-quality healthcare by making secondary and tertiary healthcare entirely cashless.

Key details of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) :

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) offers healthcare coverage of Rs. 5 lakh per family each year. It is aimed at helping economically disadvantaged individuals access necessary medical services. Here are the main points of the Ayushman Bharat Yojana :

Feature	Details
Scheme Name	Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) or Ayushman Bharat National Health Protection Scheme (NHPS)
Launch Date	September 23, 2018
Coverage	Rs. 5 lakh per family annually
Pre-Hospitalization Coverage	Up to 3 days
Post-Hospitalization Coverage	Up to 15 days
Helpline Numbers	1800-111-565 or 14555
Email	[email protected]
Official Website	pmjay.gov.in

 

Aim of PMJAY Scheme :

The scheme aims to provide healthcare to 10 crore families, benefiting 50 crore people across India, including 8 crore in rural areas and 2.33 crore in urban areas. To qualify, applicants must fall into one of these categories:

• Scheduled Caste / Scheduled Tribe (SC/ST)
• Lower Income Group
• Economically Weaker Section (EWS)

For eligibility verification, beneficiaries can use the “Am I Eligible” tool on the official website, with different criteria for rural and urban applicants.

In rural areas, a significant number of households lack healthcare insurance. The eligible categories include SC /ST households, families with no adult members aged 16-59, and landless households engaged in casual labor, among others.

In urban settings, many families also lack insurance, and those working in specific occupations identified in the Socio-Economic Caste Census 2011 can qualify. Families already enrolled in the Rashtriya Swasthya Bima Yojana (RSBY) are automatically eligible for PMJAY.

The Ayushman Bharat scheme is designed to provide up to Rs. 5 lakh in health coverage, ensuring both rural and urban families receive affordable healthcare.

In urban areas, the scheme covers workers in various trades, including :

• Washermen and watchmen
• Rag pickers
• Mechanics, electricians, and repair workers
• Domestic workers
• Sanitation staff and gardeners
• Artists, handicraft workers, and tailors
• Street vendors and service providers
• Transport workers like drivers and conductors

Certain individuals are excluded from the PMJAY, including :

• Owners of motorized vehicles or fishing boats
• Owners of mechanized farming tools
• Individuals with Kisan Credit Cards exceeding Rs. 50,000
• Government employees
• Those earning over Rs. 10,000 monthly
• People living in well-constructed homes
• Landowners with more than 5 acres of agricultural land.

How to Register for the PMJAY Scheme Online  ?

• Visit the official government website for the PMJAY scheme.
• Check Eligibility : Click on the ‘Am I Eligible’ tab on the right side of the page.
• Submit Details : Enter your mobile number, CAPTCHA code, and OTP.
• Provide personal information: Fill in your state, name, ration card number, household number, or mobile number.
• View Results : If your family is covered under the Ayushman Bharat Yojana, your name will be displayed in the results.

Documents Required to Apply for Ayushman Bharat Yojana :

• Age & Identity Proof : Aadhaar Card or PAN Card.
• Contact Details : Provide your mobile number, address, and email.
• Caste Certificate : Relevant caste documentation.
• Income Certificate : Proof of income.
• Family Status Proof : Documentation showing your current family status (Joint or nuclear).

Coverage Under Ayushman Bharat Yojana (PMJAY) :

The Ayushman Bharat Yojana provides families with up to Rs. 5 lakh each year for secondary and tertiary healthcare services, covering :

Medical exams, consultations, and treatments	Diagnostic and lab tests	Medicines and medical supplies
Services before hospitalization	Accommodation and meal services	Complications related to treatments
Both non-intensive and intensive care	Necessary medical implants	Post-hospitalization costs for up to 15 days
Exclusions Under Ayushman Bharat Yojana (PMJAY)

 

The following expenses are not covered by the scheme :

• Out-Patient Department (OPD) costs
• Drug rehabilitation
• Cosmetic surgeries
• Fertility treatments
• Organ transplants
• Individual diagnostic tests

Steps to Check Ayushman Bharat Yojana Eligibility Online :

To check your eligibility online, follow these steps :

• Go to the official PMJAY website.
• Click on the “Am I Eligible” link on the homepage.
• Enter your mobile number and captcha, then select “Generate OTP.”
• Input the OTP sent to your phone and verify.
• Fill in your personal details, including name, state, age, family members, and income.
• Submit the information to confirm your eligibility.

PMJAY Insurance Coverage :

1. PMJAY provides coverage up to Rs. 5 lakh for medical and surgical treatments.

2. Covers 25 specialties such as cardiology, neurosurgery, oncology, pediatrics, and orthopedics.

3. Medical and surgical expenses are not reimbursed at the same time. If multiple surgeries are needed :

• The highest package cost is covered first.
• The second surgery gets a 50% discount.
• The third surgery receives a 25% discount.

4. No Waiting Period :

• There is no waiting period for pre-existing conditions under PMJAY.

Hospitalization Process :

• Cashless treatment is available at approved government and private hospitals.
• Treatment costs are shared. 60% by the central government and 40% by the state government.
• Beneficiaries receive a health card from Ayushman Mitras, who assist at hospitals regarding the PMJAY scheme.

PMJAY Illness Coverage – Critical Diseases Covered :

Prostate cancer	Anterior spine fixation	Carotid angioplasty with stenting
Skull base surgery	Double valve replacements	Coronary artery bypass graft (CABG)
Laryngopharyngectomy with gastric pull-up	Pulmonary valve replacements	Tissue expansion for burn disfigurement

 

Exclusions Under PMJAY – Not covered : 

Out-Patient Department (OPD) expenses	Fertility treatments
Drug rehabilitation services	Organ transplants
Cosmetic procedures	Individual diagnostic evaluations

 

Affordable Insurance and Subscription Plans :

Bajaj Finance offers budget-friendly insurance options for different needs:

• Personal accident coverage up to Rs. 10 lakh starting at Rs. 230
• More than 300 insurance plans, including health, motor, and life insurance
• Affordable subscriptions
• No paperwork with convenient online purchasing

These plans cover medical emergencies, vehicle damages, credit card fraud, and more.

Medical Packages and Hospitalization Process in Ayushman Bharat Scheme (PMJAY)

Regular Health Insurance Plans and Government Health Insurance Scheme :

Feature	Private Health Insurance	Government Health Insurance Scheme
Eligibility	Open to everyone	Limited to low-income individuals
Sum Insured	Up to ₹6 crore	Up to ₹5 lakh
Premium	Starts around ₹200 per month, depending on the plan	Starts from ₹100 per month or may be fully subsidized
Coverage	Provides more extensive coverage	Offers more limited coverage
Private Hospital Room	Accessible based on the specific plan	Availability may vary
Policy Purchase	Can be bought immediately	May require time to purchase
Network Hospitals	Connects to a wide range of private hospitals	Includes many public and private hospitals
Maternity Benefits	Available depending on the plan	Available for only one child in certain circumstances
Ambulance Charges	Generally covered in most plans	Covered in some plans
Domiciliary Hospitalization Cover	Available based on the plan	Not offered
Online Renewal	Can be renewed online	Online renewal options may vary
Cumulative Bonus	Provided if no claims were made in the previous year	Not offered
Health Check-up	Included in certain plans	Not included
Monthly Premium Instalment Facility	Offered in some plans	Not available
Tax Benefits	Eligible for tax deductions under the Income Tax Act, 1961	Not eligible

 

How to Check Your Name in the Ayushman Bharat Yojana Scheme List ?

1. Online Method : Go to the National Health Authority website for Ayushman Bharat Yojana and fill in the necessary details to check your name.

2. Common Service Centres (CSC) : Visit the nearest CSC or any announced hospital to gather information. You can also find the Ayushman Bharat hospital list online.

3. Helpline Number : Call the PMJAY toll-free number 14555 for customer care assistance to check your name on the beneficiary list.

PMJAY Official Website << pmjay.gov.in

CLICK HERE  to apply for the PMJAY Scheme.