Pradhan Mantri Jan Arogya Yojana (PMJAY), otherwise known as Ayushman Bharat Yojana, is the Indian Government’s flagship health insurance scheme. This policy was launched in 2015 to provide emergency medical expenses to the poor, vulnerable and economically weaker sections of the society.
PMJAY covers around 10 crores low-income families in India, providing a sum insured of Rs. 5 lakh for each family for a range of medical expenses. To ensure cashless and paperless treatment for beneficiaries, the Government has issued Ayushman Bharat Golden Card. This card contains all necessary information about the patient and is necessary for treatment in empanelled hospitals.
You can apply for the Ayushman Bharat Golden Card online or contact an authorised hospital or public service centre. The following sections will tell you about the public scheme and how (and if) you can get a Golden card for cashless treatments.
What are the Features of the Ayushman Bharat Yojana?
This Government health insurance is one of the world’s largest health insurance schemes.
It provides up to Rs. 5 lakh of coverage per family per annum to over ten crore poor and vulnerable families.
It covers most of the medical expenses, including treatment, diagnostics, medicine, etc.
Ayushman Bharat provides paperless and cashless facilities for easier access to treatment.
The scheme covers up to 3 days of pre-hospitalisation and 15 days of post-hospitalisation expenses, including medical tests and medicine costs.
Coverage includes costs of diagnostic services, room rent, doctor’s fees, surgeon’s fees, drugs, ICU (Intensive Care Unit) charges, and OT (Operation Theatre) charges.
People eligible for this scheme can avail of these services from any empanelled public and private hospitals.
PMJAY provides priority care to a girl child, women and senior citizens.
Who Can Apply for Ayushman Bharat Yojana?
To be eligible for PMJAY, one will need to have his/her name listed in the SECC (Socio-Economic Caste Census) of 2011. People applying for the scheme will need to have the RSBY (Rashtriya Swasthya Bima Yojana) card and check their names on the SECC database.
The following categories of individuals from rural areas can also apply for Ayushman Golden Card:
Households without any members between 16 to 59 years of age
People living in one room kutcha houses lacking proper walls and roof
Households with one disabled member and no healthy adults
Families without land earning money via manual casual labour
Those in SC and ST categories
Beggars and those living on charity
Primitive tribal groups
Under the PMJAY Urban scheme, the following people can apply for PMJAY Golden Card:
Domestic workers
Hawkers, street vendors, cobblers
Washermen, chowkidars, construction workers, coolies, labourers
Mechanics, masons, plumbers, electricians
Transport workers, conductors, cart pullers
Waiters, shop workers, delivery assistants
Ragpickers
Beggars
Who is Excluded from the Ayushman Bharat Yojana?
The following is a list of people not entitled to healthcare services under PMJAY:
Those who own mechanised farming equipment
Government employees
People owning a two, three or four wheeler vehicle
Those who have a Kisan card
People earning over Rs. 10,000 per month
Landowners with over 5 acres of agricultural land
People residing in decently built houses
Those who own a motorised fishing boat
Workers at non-agricultural government enterprises
Households having landline phones and refrigerators
How Can You Apply for the Ayushman Bharat Yojana?
PMJAY does not have an enrolment process for beneficiaries as they are already identified by SECC 2011 and are part of RSBY. To check if you are eligible for the scheme, follow the given steps:
Visit the official website and click on ‘Am I eligible’.
Then, enter your contact details and click the ‘Generate OTP’ button.
Next, select your state and the search by criteria (name, HHD number, mobile number and ration card number)
The results will tell you if your family has coverage.
Alternatively, you can contact any Empanelled Health Care Provider (EHCP) or Ayushman Bharat via the helpline numbers – 14555 and 1800-111-565. You can also visit the nearest PMJAY Common Service Centre (CSC) to check your eligibility.
How Can You Register for the Ayushman Bharat Golden Card Online?
All families covered by Ayushman Bharat get a Golden Card issued to them. These cards are now made available to all public CSC and empanelled private hospitals and district hospitals. The PMJAY e-card contains all required information and is necessary for treatment at an empanelled hospital.
The online registrationprocess forthe Ayushman Bharat Golden card is given below:
First, visit PMJAY’s website and log in using your registered contact number.
Afterwards, enter the captcha code and click on ‘Generate OTP’.
Opt for HHD Code and enter this code to the CSC of PMJAY.
A PMJAY representative (Ayushman Mitra) will check and verify the details.
Pay Rs. 30 to complete the registration process.
You can also visit the nearest registered Government or private hospital with all the necessary documents. The hospital staff will check your name in the list of Jan Arogya Yojana and give you the card if it is present there.
How to Download the Ayushman Bharat Golden Card?
If you cannot get the original card, you may download and print its soft copy for treatment at an empanelled hospital. To get the PMJAY Golden card, follow these steps:
Visit the official website of Ayushman Bharat Yojana.
On the homepage, click on the ‘login’ option.
On the login page, enter your email ID and password and click on ‘Sign In’.
Enter your Aadhaar number and verify your thumb mark to log in to CSC Connect.
Click on the ‘Approved Beneficiaries’ to get the list of all people with an approved golden card.
On the next page, choose your name from the given list and click on the ‘Confirm Print’ option.
You will be redirected to the Jan Seva Kendra wallet.
Enter your password and then the Valet PIN to view the AB-PMJAY Card.
Click ‘Download Card’ and take a printout.
Final Word
PMJAY is the biggest health insurance scheme providing essential support for the medical needs of our country’s economically weaker sections. It also provides free treatment to poor people in both rural and urban areas through empanelled hospitals. Hence if you are eligible for this scheme, ensure to apply for the Ayushman Bharat Golden Card online or via CSC.
However, if you do not qualify for PMJAY, you can still get an affordable health insurance plan from Navi. Download the Navi app from Google Play Store and get support from over 10,000 hospitals and other benefits at a premium starting as low as Rs. 241 per month.
Frequently Asked Questions
Q1. What documents would you need to apply for Ayushman Bharat Yojana?
Ans: The following are the documents you will need to carry to apply for PMJAY: Proof of age and identity (PAN card, Aadhaar card) Contact details Income certificate Documents stating the current family status Caste certificate
Q2. Does the PMJAY scheme cover medical expenses for Covid-19?
Ans: Yes. Patients afflicted with Covid-19 can get free treatment through the PMJAY scheme.
Q3. Can you get free treatment through Ayushman Bharat Yojana?
Ans: Yes. As a beneficiary of Ayushman Bharat, you will not need to pay anything if you get treatment from empanelled hospitals. The entire process is cashless since the centre, and state governments share the treatment costs.
Q4. Does Ayushman Bharat Yojana cover all medical procedures?
Ans: No. PMJAY does not cover a few medical procedures. These are: OPD (Out-Patient Department) expenses Cosmetic surgeries Organ transplant Fertility treatments Drug rehabilitation Individual diagnostics
Q5. What medical expenses are covered by this scheme?
Ans: PMJAY covers hospital-related expenses, intensive care services, critical illness, medical consumables, medicines, consultation, food services, diagnostics and more. It also covers food services, room rent and costs of complications arising out of treatments.
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