Ayushman Bharat Yojana: Benefits, eligibility criteria and application process; all you need to know

 

Ayushman Bharat Yojana acts as a lifeline for low-income families. It offers cashless hospitalisation coverage of up to ₹5 lakh annually per family.

The Indian government launched a program in 2018 called Ayushman Bharat Yojana (ABY) or Pradhan Mantri Jan Arogya Yojana (PMJAY). This program is a giant health insurance plan for the common masses. Ayushman Bharat Yojana can also be a game changer in the insurance field, as after the launch of the scheme that allows beneficiaries to enjoy free medical insurance, many private insurance firms are also launching new plans to negate their loss of customers somehow.

Ayushman Bharat Yojana: Benefits

Ayushman Bharat Yojana acts as a lifeline for low-income families. It offers cashless hospitalisation coverage of up to ₹5 lakh annually per family. This financial shield applies to serious (secondary) and critical (tertiary) care, including various surgeries and illnesses. Whether it’s a knee replacement, heart bypass, cancer treatment, or even chronic conditions, the Ayushman Bharat Yojana empowers beneficiaries to get the medical attention they need without financial hardship. The program goes even further by covering pre and post-hospitalization expenses, ensuring a more comprehensive healthcare experience.

Ayushman Bharat Yojana: Eligibility criteria

Ayushman Bharat Yojana has clear eligibility criteria. Individuals and families can check their eligibility through various means. The scheme targets families identified through the Socio-Economic Caste Census (SECC) data. This data categorises families into various income brackets, focusing on those living below the poverty line (BPL) and those categorised as deprived based on specific socio-economic indicators. Additionally, specific occupational categories in urban areas are also included. These categories encompass workers in the informal sector, such as street vendors, construction workers, domestic workers, and sanitation workers. It’s important to note that the specific eligibility criteria may vary slightly across states in India.

Also Read | Five years of Ayushman Bharat: A shield for the vulnerable

Ayushman Bharat Yojana: Required documents

Signing up for Ayushman Bharat Yojana is very simple as it requires a few basic documents you will most likely already have. These include:

  • ID proof: Your Aadhaar card or another government-issued ID will work.
  • Family details: Your ration card helps verify your family information and economic background.
  • Income proof (optional): Some states might ask for an income certificate, so check beforehand.
  • Proof of address: Utility bills or documents confirming your residence will do.

Ayushman Bharat Yojana: Application process

Check out the step-wise guide on how to apply for Ayushman Bharat Yojana.

  • Online Verification: Visit the Ayushman Bharat PMJAY website (https://abdm.gov.in/) and click on “Am I Eligible.” Enter your mobile number, state, and captcha code. The system will display your eligibility status based on the Socio-Economic Caste Census (SECC) data.
  • Offline Verification: Locate your nearest Common Service Center (CSC) or visit an empanelled Ayushman Bharat hospital. Trained personnel at these locations can assist you in verifying your eligibility using your Aadhaar card or ration card details.

Choose Your Application Method

Ayushman Bharat Yojna offers multiple convenient application methods. 

short article insertOnline Application: If comfortable navigating online platforms, visit the PMJAY website again. Look for the “Register” or “Apply” section. Enter your details, including Aadhaar card number, mobile number, and other relevant information. You are required to upload scanned copies of all the mentioned documents and submit the application.

  • Offline Application through CSCs: Visit your nearest CSC. The CSC operator will guide you through the application form, verify your documents, and submit the application electronically.
  • Offline Application at Ayushman Bharat Hospitals: Many empanelled hospitals have dedicated helpdesks to assist potential beneficiaries with the application process. Present your documents, and the hospital staff will facilitate your enrollment.

Track Your Application Status

Once you submit your application, you can track its status online using the PMJAY website. Enter your registered mobile number and captcha code, and the system will display the application’s current stage.

Collect Your Ayushman Bharat Card

You will receive an Ayushman Bharat Card (PMJAY card) upon successful verification and enrollment. This card is your official identification within the scheme and should be presented at empanelled hospitals when seeking treatment.


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