Pradhan Mantri Jan Arogya Yojana (PMJAY) was launched in 2018 to give health insurance coverage to the poor and vulnerable citizens of India. This flagship program under the Ayushman Bharat scheme has already covered the treatment costs of over 1 crore hospital admissions.
PMJAY aims to protect more than 40% of Indian families with lower incomes. With this health scheme, eligible citizens can get cash-free medical treatment in the secondary and tertiary healthcare sectors.
Low-income households from both the rural and urban areas are eligible to get the benefits of PMJAY. It will cover the benefits of cashless treatment for up to Rs. 5 lakhs per family in a financial year.
Read on to know more about the coverage, benefits and eligibility criteria of the PMJAY scheme!
The PMJAY health scheme covers the following medical treatment expenses:
Two categories of this scheme are –
Out of more than ten crore beneficiary families, eight crores are from rural areas, and the rest are from urban areas. Hence, the scheme will cater to around 50 crore individuals approximately.
The list of eligible households for the rural area is based on housing needs, low income and other deprivations. At the same time, the list of urban beneficiaries is decided only by their occupations. Both these lists are currently based on the Socio-economic Caste Census 2011 (SECC-2011).
This health scheme has a provision for almost 1393 treatment procedures. These are –
Pradhan Mantri Jan Arogya Yojana eligibility is different for rural and urban areas. These are as follows –
The eligibility criteria of Pradhan Mantri Jan Arogya Yojana for the rural families are –
The eligibility criteria of PMJAY for urban families are –
Areas Covered Under PMJAY
Facilities and benefits of this scheme are available in every state of India. People can search empanelled Pradhan Mantri Jan Arogya Yojana hospital list from the government website. They need to select district names, types of hospitals, districts and specialities to get a list of available hospitals.
There is no need for enrolment in this government scheme. It is an entitlement based scheme. Government checks occupation and the basis of deprivation under the SECC list while giving the benefits to the families. Additionally, all the families under Rashtriya Swasthya Bima Yojana (RSBY) are included in the Pradhan Mantri Jan Arogya list.
The National Health Authority has launched a mobile application. One can easily get this application named Ayushman Bharat (PMJAY) in the Google play store. With this app, people can get information regarding –
Pradhan Mantri Jan Arogya Yojana has given many vulnerable citizens a scope to get quality health care facilities. With cashless treatment in listed hospitals, even the middle class and poor families get easy access to medical check-ups and treatments. Thus, with the help of this scheme, the Indian government has fulfilled its promise to improve the healthcare facility for all.
If you want to consider other health insurance providers like Navi, then download the Navi app from the play store today. Navi provides insurance in a paperless way and has connections with over 10,000 hospitals spread across 400 locations in India, their premiums start as low as Rs.241 per month.
Ans: Eligible people will get a unique number for their families. In addition, they will also get a medical ecard when any family member is hospitalised. Beneficiaries of PMJAY need to produce this ecard to get cashless treatment from any empanelled hospital.
Ans: You need to carry the ration card of the individual for getting treatment in a hospital. Furthermore, you should also carry any other government-issued photo identity card, such as an Aadhaar card, PAN card etc.
Ans: You can raise your complaint or grievances through the mobile application Ayushman Bharat (PMJAY). You can also track your complaint status from this application. Furthermore, 14555 is the helpline number of PMJAY where you can raise your complaint.
Ans: Government employees
People with a monthly income of Rs. 10,000
Those having a Kisan card with a credit limit of Rs. 50,000
Families with motor vehicles
Those having landline phones and refrigerators
Ans: Earlier, the RSBY scheme had a limitation of including five family members only. However, there are no such limitations in Pradhan Mantri Jan Arogya Yojana. This govt medical coverage includes families irrespective of family size and age of the members.
Before you go…