Ayushman Bharat Yojana Scheme | Medical Benefit Upto 5 Lakhs:-
Prime Minister Shri Narendra Modi announced the launch of ( PMJAY) Ayushman Bharat Yojana in his independence day speech of the year 2018. Pradhan Mantri Jan Arogya Yojana (PMJAY) is a flagship National Health Protection Scheme Funded by the Government of India. Ayushman Bharat Yojana subsumes the Senior Citizen Health Insurance Scheme (SCHIS) and Rashtriya Swasthya Bima Yojana (RSBY) and is also known as the AB-PMJAY scheme.ย It caters not only the poor and destitute in rural and urban areas.
ย Ayushman Bharat Yojana is also known as Pradhan Mantri Jan Arogya Scheme (PMJAY), one of the biggest healthcare schemes that is sponsored by the Government of India. Prime Minister, Narendra Modi Rolled out Pradhan Mantri Jan Arogya Yojana healthcare scheme with an aim of to cover more than 50 crore Indian citizens and nearly 10 crore underprivileged families without any limitations pertaining to family size and age. Ayushman Bharat Yojana (PMJAY) will help these households avail the best healthcare services with insurance coverage up to INR 5 lakh for each family per year for tertiary and secondary hospitalization expenses.
PM Ayushman Bharat Yojana Scheme is paperless and offers cashless hospitalization cover at public hospitals and network private hospitals. Ayushman Bharat health insurance covers the cost of hospitalization, pre-hospitalization, medication and post hospitalization expenses incurred during the treatment, which is applicable to almost all tertiary and secondary care procedures.
ย Moreover, Ayushman Bharat Yojana scheme includes nearly 1,400 exorbitant treatments like skull surgery, knee replacements and the likewise. The patient can also follow-up for the treatments to ensure full recovery.
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Feature of PMJAY : Ayushman Bharat Yojana Scheme :
In addition to be a life saver scheme for lower middle income of the other key features of Pradhan Mantri Ayushman Bharat Yojana (PMJAY) are as follows:-
. Ayushman Bharat Yojana scheme is a family floater scheme with a sum assured of RS 5 lakh per family enrolled.
. This scheme is specially designed for people below the poverty line who do have access to internet or online health plans.
. PMJAY is facilitates cashless healthcare services to its beneficiary in any of the public sector hospitals and private network hospital.
. Moreover, Pradhan Mantri Ayushman Bharat Yojana also recompenses the transportation cost incurred by the beneficiary during the pre and post-hospitalization period.
. Along with medical treatment expenses, Ayushman Bharat Yojana insurance package also covers the day-care expenses incurred by the beneficiary.
. PMJAY scheme also covers some of the specific pre-existing diseases.
. The payment for medical expenses is to be made based on the package rate as pre-determined by the government.
Benefits Of Ayushman Bharat Yojana Scheme :
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Ayushman Bharat Yojana scheme insures almost 40% of the vulnerable and needy families in India. The healthcare services and benefits that they can avail are listed below:-
. The treatment and healthcare facilities under PMJAY is available across India and is free of cost.
. The Ayushman Bharat Scheme offers 25 specially categories and it covers a wide range of 1,354 medical and surgical packages such as neurosurgery etc.
. Ayushman Bharat Yojana scheme also covers post-hospitalization expenses.
. In case of multiple surgeries, the cost shall be covered with the highest package. And for second and third surgery it should be covered 50% an 25% respectively.
. The scheme also covers the treatment cost of oncology with chemotherapy for 50 different types of cancer. however, both medical and surgical package cannot be availed at the same time.
. The beneficiary under PMJAY scheme can also avail follow-up treatment coverage.
What Is Covered Under Ayushman Bharat Yojana Scheme :
PMJAY covers under the following expenses during the treatment:-
. Ayushman Bharat Yojana Scheme provides coverage for medical examination, treatment and consultation fee.
.Ayushman Bharat Yojana policy covers pre-hospitalization expenses.
. Post- hospitalization are covered for 15 days.
. The policy also covers the cost of medicine and medical consumables.
. Hospital accommodation charges are also covered.
. Non-intensive and ICU services.
. The Ayushman Bharat Yojana policy also covers expenses incurred on diagnostic procedures.
. Medical implantation services covered where required.
. Expenses incurred on complications arising during the medical treatment.
ย . Food services.ย
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Ayushman Bharat Yojana Eligibility Criteria For Rural And Urban People :
PMJAY Scheme for urban areas people:-
ย How To Register PMJAY Scheme online :
ย It is quite simple to register for PMJAY scheme. All beneficiaries identified under the SECC 2011 list and those in the RSBY scheme are eligible.However, if you want to register for PMJAY online. You can follow the steps given below:-
