The premier initiative of the Indian government is the Ayushman Bharat Yojana Scheme, also known as the Pradhan Mantri Jan Arogya Yojana. In essence, it is a health insurance scheme for the general public as well as the less fortunate and weaker sections of society. The plan offers financial protection in the event that a medical emergency requires hospitalization. The characteristics, advantages, and application procedure for the government’s health insurance program are all covered in detail in this page.
What is Ayushman Bharat Yojana?
Ayushman Bharat Scheme, one of the largest healthcare programmes in the world, promises to provide and offer coverage for more than 50 crore Indian citizens. This is intended for the country’s less prosperous or underdeveloped regions. The PMJAY was introduced or launched in September 2018 and offered health insurance coverage with an Rs. 5 lakh maximum sum insured.
The majority of medical care expenditures, medications, diagnostics, and pre-hospitalisation fees are covered by the government’s health insurance programme. Additionally, the programme provides cashless services of hospitalisation through the Ayushman Bharat Yojana ecard, which you can use to receive medical attention at any of the hospitals across the country that have been granted empanelled status. By displaying their PMJAY ecard, programme participants may access hospitalisation for necessary care.
What Expenses Are Covered by the Ayushman Bharat Yojana Program?
The Ayushman Bharat Scheme offers or provides coverage of Rs. 5 lakh per family annually for secondary and tertiary hospitalisation care with the objective of providing affordable healthcare to the underprivileged and needy.
Hospitalisation expenses for beneficiaries are covered by the AB-PMJAY health insurance, which contains the following elements:
- Inspection, advice, and treatment from a doctor
- Pre-hospitalisation
- Services for both non-intensive and intensive care
- Pharmaceuticals and medical supplies
- Laboratory and diagnostic services
- Accommodation
- Services for medical implants, whenever possible.
- Food delivery
- A problem that occurs during treatment
- Expenditures related to leaving the hospital for up to 15 days
- Treatment for the COVID-19 (coronavirus)
Benefits of the Ayushman Bharat Yojana Program
The programme is intended for the weaker and less fortunate groups in society. The PMJAY’s advantages are listed below to please them:
- It provides beneficiaries with cashless transactions that cover all hospital charges.
- Accommodation during hospitalisation
- Pre and post-hospitalisation expenses
- Any issues that develop while receiving treatment
- All members of the family may utilise it
- No upper age, gender, or family size limit
- Pre-existing conditions are taken into account right away
How To Apply for Ayushman Bharat Yojana Online?
The programme was started by the Indian government to meet the healthcare requirements of the population’s most vulnerable groups. It does not have an enrollment process in accordance with the fundamental requirements of the system. You must ascertain your eligibility for the Ayushman Bharat Scheme before you can submit an online application. The procedure to determine your eligibility for the Ayushman Bharat Yojana Registration is listed below:
Step 1: Go to the PMJAY-specific website (https://pmjay.gov.in/) and select the “Am I Eligible” button.
Step 2: Enter your contact information and press “Generate OTP.”
Step 3: Choose your state and then enter a search term such as your name, phone number, HHD number, or ration card number.
Step 4: Check to see if you qualify for the government healthcare programme.
The government’s decision to implement the Ayushman Bharat health insurance programme was the right one for the country’s predominately underprivileged populace. The programme has been shown to be beneficial for the poor and has given them hope for a good life.
