The Life-Changing Ayushman Bharat Yojana You Need to Know About


The Ayushman Bharat Yojana Scheme also referred to as the Pradhan Mantri Jan Arogya Yojana, is the Government of India’s flagship programme. It is essentially a health insurance programme for the underprivileged, weaker members of society, and the general populace. In the event of hospitalisation due to a medical emergency, the plan provides financial protection. This article provides a thorough overview of the features, benefits, and application process for the government’s health insurance programme.

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 ( 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.

Erric Ravi
Erric Ravi
Erric Ravi is an entrepreneur, speaker & the founder of Storify News and Gurgaon Times of India He is the Co-Founder of The Storify News Times. He was born and raised in Gurgaon, India, where he developed an early interest in technology and the internet. After completing his Bachelor's degree in Information Technology from a reputed university, Erric began his career as an SEO specialist. He quickly made a name for himself in the industry by staying up-to-date with the latest SEO trends and techniques, and he soon gained a reputation as a skilled and knowledgeable expert in the field.


Please enter your comment!
Please enter your name here

Share post:

Subscribe US

New York
overcast clouds
24.3 ° C
25.2 °
22.4 °
87 %
100 %
31 °
30 °
31 °
30 °
27 °


More like this

SIMBA – The New AI-Powered Tool Adopted by Nagpur Police for Crime Detection

The police in Nagpur have launched an AI-powered solution,...

4 Children die due to suspected Chandipura virus infection — know symptoms, treatment & other details

Ahmedabad, July 15, 2024: Tragedy has befallen Panchmahal district...

What did Nehru appeal to the people of India

Nehru's Vision: Inspiring India Towards Progress Do you know What...

NEET-UG 2024 counselling expected to start by July end, additional seats may be added: Report

The National Eligibility cum Entrance Test-Undergraduate (NEET-UG) 2024 counselling...