In this article, we will discuss Ayushman Bharat Yojana (PM JAY) in a simple and easy way and try to understand its various important aspects, So to understand this article well, read till the end and read other articles as well, the link is given below. 📌 Top 10 and More

Ayushman Bharat Yojana
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What is Ayushman Bharat Scheme?

Ayushman Bharat Yojana, it is also called Pradhan Mantri Jan-Arogya Yojana (PM JAY). Pradhan Mantri Jan-Arogya Yojana is a very big initiative taken by the Government of India in the field of health schemes.

The objective of this scheme is to provide health cover to the poor and vulnerable population. To achieve the objective of Universal Health Coverage.

As per the statistics about 62.58% of our population have to pay for their own health and hospital expenses and they do not have any kind of insurance cover in the name of health protection.

Apart from using their income and savings, people borrow money or sell their assets to meet their healthcare needs. This increases poverty .

Keeping this in mind, this scheme was brought by the Government of India so that such a large population can get good quality health services without facing any financial difficulty.

This scheme has been implemented all over India from April 2018 and its implementation has been entrusted to the National Health Authority. Barring a few incidents, this scheme is quite good, many people are getting benefits from it.

Benefits of Ayushman Bharat Scheme

Pradhan Mantri Jan-Arogya Yojana provides an insurance cover of up to Rs 5 lakh per family per year for secondary and tertiary hospitalization. About 50 crore people from more than 10 crore families are to be covered under this scheme. Once fully implemented, it will become the world’s largest health scheme.

Following are some of its features –

  • Free treatment available in all government and private hospitals in times of need.  
  • There is no restriction on the size of the family and the age of the members.
  • Preference given to girl child, women and senior citizens.
  • Cashless and paperless access to quality healthcare services.
  • Eligible beneficiaries can avail the services across India.
  • 1,350 medical packages covering surgery, medicine, cost of medicines and diagnosis.
  • The 24X7 helpline number – 14555 can be reached for information, assistance, and complaints.

Health Services Available Under Ayushman Bharat Yojana

Health services covered under the program include hospitalization expenses, day care surgeries, follow-up care, pre and post hospitalization expense benefits and newborn baby/children services. Following are the services related to the diseases covered so far.

A comprehensive list of services is available on the website. Click here

Who will get the benefit of Ayushman Bharat Scheme?

PM-JAY covers over 10 crore poor and vulnerable households across the country, who are identified as deprived rural households and occupational categories of urban labor households, as per the latest Socio-Economic Caste Census (SECC) data.

The list of eligible families has been shared with the concerned State Government as well as ANM/BMO/BDO of the concerned area. Only such families whose name is in the list are entitled to the benefits of PM-JAY.

Additionally, any family with an active RSBY (Rashtriya Swasthya Bima Yojana) card as on 28 February 2018 is covered. There is no capping on the size of the family and age of the members, which will ensure that all the family members will get coverage especially the girl child and senior citizens.

Where can the beneficiary take advantage of the services of Pradhan Mantri Jan-Arogya Yojana.

The beneficiary can get his treatment done under this scheme in all public hospitals and all private hospitals attached to this scheme. You can see the list of hospitals and health service institutions associated with this scheme so far . Beneficiaries can also call the helpline number 14555.

Does the beneficiary also have to pay any charges for the services?

No. All eligible beneficiaries can avail free services in secondary and tertiary hospitals in public hospitals and private hospitals for the packages identified under PM-JAY. Beneficiaries will have cashless and paperless access to health services under PM-JAY.

How to enroll in PM-JAY?

PM-JAY is an entitlement based mission. There is no enrollment process. Families who are identified by the government (in both rural and urban areas) on the basis of disadvantaged and occupational criteria using SECC (Socio Economic and Caste Census) database are entitled to PM-JAY.

How is the beneficiary recognized?

Beneficiaries identified under the SECC (Socio-Economic Caste Census) database for rural areas and 11 occupational criteria for urban areas in disadvantaged categories (D1, D2, D3, D4, D5, and D7) is done on the basis of. Apart from this, RSBY beneficiaries are also included in the states where RSBY is active.

Can someone whose name is not in it add his name to it?

In this phase, no additional new families can be added under PM-JAY. However, names of additional family members can be added for those families whose names are already in the SECC list.

How to get PM-JAY card?

A dedicated PM-JAY Family Identification Number is allotted to eligible families. Also, an e-card is also given to the beneficiary at the time of hospitalisation.  

How to know if your name is there or not

Although a letter is being sent by the government, but if for some reason the letter has not reached you, then you can know whether your name or your family’s name is in this scheme or not by adopting the methods given below –

  1. You can find out by visiting Vasudha Kendra which is also known as Common Service Center.
  2. You can also find out from there more than 10,000 hospitals which are associated with this scheme.
  3. You can also find out by calling the helpline number 14555.
  4. If you have internet, you can find out yourself. find out by clicking here                                                                                      

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