Ayushman card holders may have to pay for the treatment of these diseases.
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana: Illness and hospital expenses have become the common man’s biggest concern today. A major illness can wipe out years of savings. In such a situation, the central government’s Ayushman Bharat scheme has proven to be a major relief for millions of poor and needy families. Under this scheme, eligible families receive free treatment up to Rs 5 lakh per year. However, many people still have the misconception that all types of treatment become completely free upon obtaining an Ayushman card. However, this scheme also has certain rules and limitations, which are crucial to understand.
Benefits are available only upon hospitalization
The most important rule of the Ayushman scheme is that its benefits are available only upon hospitalization. If a person visits a doctor for a common fever, cough, headache, or minor illness, their expenses are not covered under the scheme. This means that the patient has to pay for the doctor’s fees, general checkups, OPD visits, blood tests, X-rays, or other tests performed without an inpatient appointment.
What diseases are covered?
The Ayushman Yojana covers the cost of several critical illnesses and surgeries. These include:
- Heart diseases
- Heart attack
- Angioplasty
- Bypass surgery
- High blood pressure
Cancer treatment
- Chemotherapy
- Radiation
- Treatment of breast, lung, stomach, and oral cancer
Neurological Diseases
- Stroke
- Brain Tumor
- Parkinson’s Disease
- Epilepsy
Kidney and Liver Disease
- Dialysis
- Chronic Kidney Disease
- Cirrhosis
- Hepatitis B and C
Bone and Joint
- Fractures
- Hip and Knee Surgery
- Arthritis
Women and Children’s Treatment
- Normal Delivery
- C-Section
- NICU Care
- Critical Pediatric Illnesses
What’s not covered?
Certain treatments and services are not covered under the plan, such as:
- OPD consultations
- Cosmetic and plastic surgery
- IVF and test tube babies
- General dental treatment
- Vitamins and supplements
- Treatment for drug addiction or self-harm
The Ayushman Card is not valid at every hospital.
Many people enter private hospitals without prior knowledge, only to discover later that the Ayushman scheme is not available there. In fact, the benefits of this scheme are only available at government-empanelled hospitals. Therefore, before starting treatment, be sure to check whether the hospital is affiliated with the Ayushman scheme.
Who is not eligible?
This scheme is designed only for economically weaker and eligible families. People with government jobs, income tax payers, PF deductibles, or ESIC benefits are generally not covered.
Keep these things in mind before starting treatment.
- Be sure to seek information at the Ayushman Desk at the hospital.
- Find out which facilities are free first.
- Private rooms or extra tests may incur separate charges.
Understand the complete treatment package from the hospital.
The Ayushman Bharat scheme is extremely helpful for poor families, but its true benefits can only be realized if people understand its rules and limitations thoroughly. Correct information can save you from significant hospital expenses and unwanted hassles.
Comments
Post a Comment