Ayushman Bharat Scheme Benefits and how to apply: Those who are needed the help of Government for the treatment they can apply for this scheme online for the scheme. After applying they will provide Ayushman Bharat Card which will be the receipt for the free treatment in any hospital in India. How to Apply Online for Ayushman Bharat Scheme all the details are given below.
Ayushman Bharat Scheme is the world’s largest healthcare scheme of India. It is developed by the Government of India in 2018 to provide financial support to the people who does not have that much of money for healthcare cost. The scheme till now has covered more than 10 crore families across the country. The main of this scheme is to help the poor people who can’t effort the cost of the medical treatment of critical diseases like Cancer, Skull base surgery etc. which need big amount of money for treatment. Under this scheme per family will get fund upto 5 lakhs rupees for healthcare expenses annually as health insurance.
What is Ayushman Bharat Scheme
Ayushman Bharat Scheme is consider as the World’s biggest Healthcare scheme. The Ministry of Health and Family Welfare of India works to provide free healthcare services and benefits to Economically weaker section. Under this scheme PM Jan Arogya Yojana is launched by the PM Narendra Modi. The aim of the scheme is to provide free treatment to the weaker section upto 5 lakh per year.
After applying to the scheme it will provide Ayushman Bharat Card which is the receipt to start free treatment in any hospital. This health care scheme will cover of the medical treatment cost, medicine cost, diagnostics and pre-hospitalisation expenses.
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Benefits of Ayushman Bharat Scheme/ PM-JAY
- Ayushman Bharat Scheme provides cashless access upto 5 Lakh to health care services for the beneficiary at the point of service, that is, the hospital.
- It also covers up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses such as diagnostics and medicines.
- There is no restriction on the family size, age or gender.
- All pre–existing conditions are covered from day one.
- Benefits of the scheme are portable across the country i.e. a beneficiary can visit any empanelled public or private hospital in India to avail cashless treatment.
- Public hospitals are reimbursed for the healthcare services at par with the private hospitals
Key Feature of Ayushman Bharat Scheme/ PM-JAY
- PM-JAY is the world’s largest health insurance/ assurance scheme fully financed by the government.
- It provides a cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization across public and private empanelled hospitals in India.
- Over 12 crore poor and vulnerable entitled families (approximately 55 crore beneficiaries) are eligible for these benefits.
- PM-JAY envisions to help mitigate catastrophic expenditure on medical treatment which pushes nearly 6 crore Indians into poverty each year.
- It covers up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses such as diagnostics and medicines.
- There is no restriction on the family size, age or gender.
- All pre–existing conditions are covered from day one.
- Benefits of the scheme are portable across the country i.e. a beneficiary can visit any empanelled public or private hospital in India to avail cashless treatment.
- Services include approximately 1,929 procedures covering all the costs related to treatment, including but not limited to drugs, supplies, diagnostic services, physician’s fees, room charges, surgeon charges, OT and ICU charges etc.
- Public hospitals are reimbursed for the healthcare services at par with the private hospitals
What is provided under Ayushman Bharat Scheme
The Benefits cover under the scheme by the government to give free treatment facility are:
- Medical examination, treatment and consultation
- Pre-hospitalization
- Medicine and medical consumables
- Non-intensive and intensive care services
- Diagnostic and laboratory investigations
- Medical implantation services (where necessary)
- Accommodation benefits
- Food services
- Complications arising during treatment
- Post-hospitalization follow-up care up to 15 days
List of Diseases Covered Under Ayushman Bharat Scheme
- Burns Management
- Cardiology
- Cardio-thoracic & Vascular surgery
- Emergency Room Packages
(Care requiring less than 12 hours stay) - General Medicine
- General Surgery
- Interventional Neuroradiology
- Medical Oncology
- Mental Disorders Packages
- Neo-natal care Packages
- Neurosurgery
- Obstetrics &Gynaecology
- Ophthalmology
- Oral and Maxillofacial Surgery
- Orthopaedics
- Otorhinolaryngology
- Paediatric Medical management
- Paediatric surgery
- Plastic & reconstructive Surgery
- Polytrauma
- Radiation Oncology
- Surgical Oncology
- Urology
- Paediatric Cancer
- Unspecified Surgical Package
Critical Diseases or Illness Covered under the scheme
- Prostate Cancer
- Double valve replacement
- Coronary artery bypass graft.
- COVID-19
- Pulmonary valve replacement
- Skull Base surgery
- Anterior spine fixation.
- Laryngopharyngectomy with gastric pull-up
- Tissue expander for disfigurement following burns
- Carotid angioplasty with stent.
Who are eligible to apply Ayushman Bharat Scheme
For Rural areas who fall into at least one of the following categories:
- Only one room with kucha walls and kucha roof
- No adult member between ages 16 to 59
- Households with no adult male member between ages 16 to 59
- Disabled member and no able-bodied adult member
- SC/ST households
- Landless households deriving a major part of their income from manual casual labour
For Urban areas who fall into at least one of the following categories
- Ragpicker
- Beggar
- Domestic worker
- Street vendor/ Cobbler/hawker / other service provider working on streets
- Construction worker/ Plumber/ Mason/ Labour/ Painter/ Welder/ Security guard/ Coolie and other head-load worker
- Sweeper/ Sanitation worker/ Mali
- Home-based worker/ Artisan/ Handicrafts worker/ Tailor
- Transport worker/ Driver/ Conductor/ Helper to drivers and conductors/ Cart puller/ Rickshaw puller
- Shop worker/ Assistant/ Peon in small establishment/ Helper/Delivery assistant / Attendant/ Waiter
- Electrician/ Mechanic/ Assembler/ Repair worker
- Washer-man/ Chowkidar
Documents Required Applying for Ayushman Bharat Scheme Card
- Aadhar Card/ PAN Card
- Details of your mobile number, email address and residential address
- Caste Certificate
- Voter ID
- Income Certificate
- Ration card
- Domicile
- Photograph
How to Apply for the Ayushman Bharat Scheme Card
- After checking all your eligibility and make sure you have the required documents proceed to the official website https://pmjay.gov.in/
- Click on the Am I eligible option
- Give your mobile number and enter your OTP
- Now you have select your state, Scheme, district and a search by option will where you have to enter your
- Now give your documents what required
- Now wait for the application to approved after which you can download Ayushman card
How to download Ayushman Bharat Scheme Card
- Once when the application has done applicants can visit with the same process enter mobile number and generate OTP
- Enter the OTP and Enter Captcha and select Login
- Now select the State, Scheme, district and Aadhar Card Option and enter Aadhar number
- Now download the Ayushman Bharat Card