PMJAY is also named as Ayushman Bharat Pradhan Mantri Jan Arogya Yojana Scheme, one of the greatest healthcare schemes that is supported by the Government of India. Prime Minister, Narendra Modi carried out Pradhan Mantri Jan Arogya Yojana medical services conspire with a plan to cover in excess of 50 crore Indian residents and almost 10 Crore oppressed families with next to no impediments relating to family size and age. Ayushman Bharat Yojana (PMJAY) will assist these families benefit the bet medical care administrations with protection inclusion up to INR 5 lakh for every family each year for tertiary and optional hospitalization costs.
What is Ayushman Bharat Yojana or PMJAY Scheme ?
Pradhan Mantri Ayushman Bharat Yojana scheme is paperless and it offers cashless hospitalization cover at government hospitals and also network private hospitals. Ayushman Bharat health insurance covers hospitalization, pre-hospitalization, medication, and post hospitalization expenses incurred during the treatment, which is applicable to almost all tertiary and secondary care procedures.
In addition, Ayushman Bharat Yojana scheme cover nearly 1,400 excessive treatments like knee replacements, skull surgery, and the same. What’s more, the patients can likewise follow-up for the medicines to guarantee full recovery . Learn about (PMJAY) Ayushman Bharat Yojana conspire highlights, qualification measures and application process referenced below.
Regular Health Insurance Plans vs Government Health Insurance Scheme
| Features | Basic Health Insurance Scheme | Government Health Insurance Scheme |
| Eligibility | For all sections of society | Available to lower-income groups only |
| Sum Insured | Maximum sum insured of up to Rs 1 crore | Maximum sum insured of up to Rs 5 lakh |
| Premium | Rs 200 per month onwards (depending on the plan) | Have to pay Rs 100 per month onwards or fully paid by the government(depending on the plan) |
| Coverage | Offers a broader coverage | Offers a narrow coverage |
| Private Hospital Room | Available(depending on the plan) | May or may not be available |
| Policy Purchase | Policy can be purchased instantly | May take some time to purchase the Government Health Policy |
| Network Hospitals | Wide network of private hospitals | A large number of public and private network hospitals included |
| Maternity Benefits | Available(depending on the plan) | Available(Only for a single child under some cases) |
| Ambulance Charges | Available under most plans | Available under a limited plans |
| Domiciliary Hospitalization Cover | Available(depending on the plan) | Not available |
| Online Renewal | Yes | May or may not be |
| Cumulative Bonus | Available if no claim was filed in the previous policy year | Not available |
| Health Check-up | Covered under some plans | Not covered |
| Monthly Premium Instalment Facility | Available under some plans | Not available |
| Tax Benefits | Available under Income Tax Act 1961 | Not available |
Features of PMJAY: Ayushman Bharat Yojana Scheme
Notwithstanding be a lifeline saver for lower centre pay the other key highlights of Pradhan Mantri Ayushman Bharat Yojana (PMJAY) are as per the following:
- Ayushman Bharat Yojana plot is a family floater conspire with a total guaranteed of Rs. 5 lakh for each family enlisted
- This plan is uncommonly intended for individuals underneath the destitution line who in all actuality do approach web or online wellbeing plans
- PMJAY plot works with credit only medical care administrations to its recipient in any of the public area clinics and confidential organization clinic
- Additionally, Pradhan Mantri Ayushman Bharat Yojana likewise rewards the transportation cost caused by the recipient during the pre and post-hospitalization period
- Alongside clinical treatment costs, Ayushman Bharat Yojana protection bundle additionally covers the day-care costs brought about by the recipient
- PMJAY conspire additionally covers a portion of the particular previous sicknesses
- The installment for clinical costs is to be made in view of the bundle rate not entirely set in stone by the public authority
- Under the public authority supported conspire, a chivalrous number of wellbeing and health focuses will be laid out asper the Financial Rank Enumeration information
Advantages of Ayushman Bharat Yojana Plan
Ayushman Bharat Yojana plot guarantees practically 40% of the helpless and destitute families in India. The medical care administrations and advantages that they can benefit are recorded underneath:
- The treatment and medical services offices under PMJAY is accessible across India and is liberated from cost
- The Ayushman Bharat Plan offers 25 specialty classes and it covers a large number of 1,354 clinical and careful bundles like neurosurgery, cardiology, and so on.
- Ayushman Bharat Yojana conspire additionally covers post-hospitalization costs
- In the event of various medical procedures, the expense will be covered with the most elevated bundle. What’s more, for second and third medical procedure it ought to be covered half a 25% separately
- The plan likewise takes care of the therapy expense of oncology with chemotherapy for 50 distinct kinds of Malignant growth. In any case, both clinical and careful bundle can’t be profited simultaneously.
- The recipients under PMJAY plan can likewise benefit follow-up treatment inclusion
What is Covered under Ayushman Bharat Yojana Scheme ?
PMJAY covers the accompanying costs during the treatment:
- Ayushman Bharat Yojana Plan gives inclusion to clinical assessment, treatment and conference expense
- Pre-hospitalization costs are covered under Ayushman Bharat Yojana strategy
- Post-hospitalization costs are covered for 15 days
- The arrangement likewise takes care of the expense of medication and clinical consumables
- Clinic convenience charges are likewise covered
- Non-concentrated and ICU administrations
- The costs brought about on the Symptomatic techniques are likewise covered
- Clinical implantation administrations are covered where required
- Costs caused on difficulties emerging during the clinical treatment
- Food administrations
Who is not entitled to avail coverage under the Ayushman Bharat Yojana?
The accompanying classes of elements are not covered under the Ayushman Bharat Yojana:
- Individuals who own a vehicle like a bike, three-wheeler, or a vehicle
- Government workers
- Individuals whose month-to-month pay is more than Rs 10,000
- The individuals who have cultivating apparatus and types of gear
- The people who live in appropriately fabricate houses
- The individuals who hold a Kisan card
- Those owing a mechanized fishing boat
- Those owing a farming place where there is in excess of 5 sections of land
- Individuals utilized in government-run non-rural ventures
- Individuals who have fridges and landline telephones in their homes
Ayushman Bharat Eligibility Criteria for Rural and Urban People
To profit the advantages of Ayushman Bharat Yojana health care coverage conspire, it is fundamental for every one individual to check for their names in the Financial Station Registration 2011 information. This will guarantee assuming their family is qualified to be covered under Ayushman Yojna or not. Furthermore, just those families whose name is recorded in SECC data set and dynamic RSBY card holders are qualified for profit PMJAY benefits.
Pradhan Mantri Jan Arogya Yojana permits the qualified individuals to profit the medical care administrations across India.
PMJAY Plan: Qualification Standards for Provincial
- Family with no grown-up/male/acquiring part inside the age gathering of 16-59 years
- Families living in one room with Kuccha walls and rooftop
- Families without any individuals inside the age gathering of 16-59 years
- Family without a solid grown-up part and one crippled part
- Manual scrounger families
- Landless families procuring a significant piece of their family pay from difficult work
PMJAY : Scheme
Qualification Measures for Metropolitan
- Homegrown specialist
- Bum
- Ragpicker
- Locally situated Craftsman’s/Designer Sweeper/Handiworks specialist/Disinfection labourer/Mali
- Development specialist/Work/Painter/Welder/Safety officer/Coolie
- Washer-man/Handyman/Artisan
- Circuit tester/Technician/Constructing agent/Fix laborer
- Transport specialist/Cart puller/Guide/Truck puller/
- Server/Shop specialist/Right hand/Peon/Conveyance aide
- Road merchants/seller/Shoemaker
How to Register Online for PMJAY Scheme ?
Register Online: https://setu.pmjay.gov.in/setu/
It is very easy to enroll for PMJAY conspire. Pertinent to all recipients are distinguished under the SECC 2011 rundown and the people who are as a feature of the RSBY conspire. Nonetheless, if you need to enroll for PMJAY on the web, you can follow the means given beneath:
- Visit the authority government site for PMJAY plot
- You will find Am I Qualified tab, just snap on it
- Present your versatile number, Manual human test code, and tap on Produce OTP button
- Presently enter your State and your name, apportion card number, family number, or portable number
- On the off chance that your family is covered under Ayushman Bharat Yojana, you name will be shown in the outcomes
Reports necessary to Apply For Ayushman Bharat Yojana Plan
- Age and Personality Verification (Aadhaar Card/Dish Card)
- Contact subtleties (portable, address, email)
- Rank authentication
- Pay authentication (greatest yearly pay to be simply up to Rs. 5 lakh a year)
- Archive verification the ongoing status of the family to be covered (Joint or atomic)
How to Check your Name in the list of Ayushman Bharat Yojana Scheme?
Check Name Online: https://www.nivabupa.com/ayushman-bharat-yojana.html
There are different strategies to really look at your name in the PM Jan Arogya Yojana – PMJAY recipient list. Recorded beneath are a portion of the manners in which that you can attempt:
- Online Strategy Ayushman Bharat online rundown can be really looked at by the recipients. You should simply visit the authority online website of the Public Wellbeing Expert for Ayushman Bharat Yojana.
- Normal Help Communities (CSC)- On the off chance that you are a recipient of Ayushman Yojna you can likewise visit the closest Normal Help Habitats. In the event that it is preposterous to expect to do so you can likewise visit any of the empaneled emergency clinics to gather the data structure. You can check the Ayushman Bharat medical clinic list on their site or in your strategy records.
- Contact their Helpline No.- You can approach any of the public authority of India gave helpline numbers (for example 1800111565) to contact their client care and look for the data about PMJAY Plan, Ayushman card/e-card, Ayushman card apply, Ayushman card download and even Ayushman Bharat Plan enrolment.
In the event that your name is there in the rundown, just you will get the Ayushman Bharat Card.
List of Critical Health Diseases covered under PM Jan Arogya Yojana (PMJAY)
PMJAY offers nearly 1,350 medical packages at any of the private network hospitals and all the public hospitals.
These are some of the critical Health illnesses that Ayushman Yojna covers:
- Carotid angioplasty with stent
- Prostate cancer
- Coronary artery bypass grafting
- Skull base surgery
- Pulmonary valve surgery
- Double valve replacement surgery
- Anterior spine fixation
- Tissue expander for disfigurement following burns
How to Download online your Ayushman Bharat Yojana Card ?
Download online: https://bis.pmjay.gov.in/BIS/selfprintCard
It is critical to apply for the Ayushman card as it comprises of a devoted family distinguishing proof number. Stomach muscle NHPM is given to each recipient family. The following are the means that you can follow to apply or download your Ayushman card on the web-
- Right off the bat, visit Ayushman Bharat Yojana official site
- Presently login with your email id and create secret phrase
- Enter your Aadhaar number to continue further
- Click on the endorsed recipient choice
- It will be diverted to their assistance community
- Presently enter your secret word in CSC and the pin number
- It will be diverted to the landing page
- You will see the download choice structure where you can download your Ayushman Bharat brilliant card
Ayushman Bharat Scheme Hospitalization Process
Ayushman Bharat Yojana conspire offers health care coverage cover to recipients with no superior expense, treatment cost during and after the hospitalization. Ayushman Bharat plot covers both pre and post hospitalization cost notwithstanding the in-patient charges.
And all the empaneled clinics under PMJAY Plan would have selected Ayushman Mitra’s who will help the patent by organizing with the medical clinic’s recipient to cut the costs. You will find these Ayushman Mitra at their assistance work area where they will be confirming the qualification measures, reports, and the enrolment cycle. They furnish letters to every one of the recipients with separate QR codes.
Besides, this QR code is filtered and confirmed for verification to actually look at the qualification for individuals to profit Ayushman Bharat Yojana benefits.
What’s more, the most outstanding aspect of Ayushman Bharat plan is that it offers inclusion across Pan India and offers cashless hospitalization benefits to the enrolled families in both the public and private hospitals.
PMJAY Patient Card Generation
You can apply for an e-card once you figure out your qualification for Ayushman Bharat yojana plot. Be that as it may, before you get this e-card, you should go through a personality check at one of the PMJAY booth in light of your records like Aadhaar card or apportion card. Indeed, even your family recognizable proof can be outfitted including the RSBY vehicles, or a govt. ensured rundown of individuals. After this confirmation is finished, you patient e-card is printed alongside your Ayushman Bharat ID, which can be utilized for future references.
COVID-19 Treatment Covered under Ayushman Bharat Yojana Scheme (PM-JAY)
YOU CAN ALSO SEARCH HERE: https://youtu.be/xCz6avQeKnU?si=0f8HmaPMtVoENKdU
According to the IRDAI’s guideline all the health care coverage suppliers are covering Coronavirus hospitalization costs. Indeed, even the Public authority upheld Ayushman Bharat plot additionally offers inclusion against the Worldwide pandemic Coronavirus. The recipient can benefit clinical trial offices at any of the board clinics with practically no cash being charged according to the NHA’s declaration. Ayushman Bharat conspire additionally covers the seclusion and quarantine costs.
All the empaneled clinics under this strategy are exceptional to do Covid testing, treatment, and quarantine offices. It is incredible drive to offer assurance to poor people and destitute families against the effect of the lethal Coronavirus.
As this approach is for individuals beneath the destitution line, those in the higher pay bunches who can pay charge all alone ought to likewise get satisfactory wellbeing cover. Taking into account the continuous clinical expansion, a wellbeing front of least Rs. 10 lakhs is prescribed that can go up to of Rs. 1 Crore and more according to your prerequisite. This is expected to profit the most ideal therapy for crisis clinical therapy including perilous sicknesses like disease, organ relocate, heart medical procedures, and so on.
PMJAY Toll-free Number and Address:
PM Ayushman Bharat scheme allows the applicants to call on their helpline number for any grievances 14555 & 1800111565.
Address: 7th and 9th Floor, Tower-L, Jeevan Bharati Building, Connaught Place, New Delhi – 110001