Pradhan Mantri Jan Arogya Yojana (PMJAY) or Ayushman Bharat Yojana is a health insurance and protection policy that was introduced in 2018. This government initiative aims to provide medical coverage to the economically weaker section of society.
Following is a discussion on the features, benefits, eligibility criteria, and other details related to this scheme.
Here are some features and benefits of PMJAY:
Pradhan Mantri Jan Arogya Yojana offers coverage for the following expenses:
Here are some treatments that are covered under PMJAY:
Further, here is a list of diseases that are covered under this scheme:
PMJAY health protection scheme does not provide medical coverage for expenses incurred due to the following:
Here is a list of individuals who can be beneficiaries under the PMJAY scheme:
The following category of individuals are eligible for PMJAY health care coverage:
These households will not be able to avail benefits of the PMJAY scheme:
In case an individual is not eligible for this health protection scheme, he or she can opt for a health insurance policy from any leading insurance provider in India.
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Eligible individuals can gain access to cashless healthcare facilities under the Ayushman Bharat Yojana scheme by using the PMJAY Card. Here’s how they can apply for it:
Step 1: Visit the official PMJAY website
Step 2: Log in to the official portal using your mobile number
Step 3: Enter the captcha code and generate a one-time password, which you will receive on your registered mobile number
Step 4: After logging in, request the Household ID (HHD )code
Step 5: Submit the HHD code at a Common Service Centre (CSC)
Step 6: Upon successful verification of all details, the card will be issued to you. You can avail of the card from your nearest CSC or download a digital copy from the official PMJAY website.
Eligible applicants must submit these documents to apply for the Ayushman Bharat Yojana scheme:
Healthcare protection schemes such as PMJAY ensure financial protection against life-threatening illnesses or accidents. The above-mentioned guide about this scheme can help prospective applicants avail of its benefits with ease.
Ans: One can check online by following these steps:
Visit the official online portal of PMJAY
Log in by generating the OTP
Enter the required details such as ration card number, name of the State, etc.
In case the applicant’s family is already covered under the scheme, the results will show his/her name
Ans: No, individuals do not have to pay anything to avail of healthcare protection under the PMJAY scheme.
Ans: As per the new regulations of IRDAI, it’s compulsory for health insurance providers to cover expenses incurred for Covid-19 treatment. Thus, even PMJAY provides medical coverage for Covid-19.
Ans: There aren’t any age-related restrictions in the case of PMJAY. Thus, individuals can avail of medical coverage irrespective of their age.
Ans: To find the CSC nearest to you simply visit any online CSC locator website, fill in details like your state, district, city and hit ‘Search.’
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