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Government Healthcare Scheme Details

By Finserv MARKETS - Aug 13,2019
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Healthcare Scheme

Health insurance is a basic need in every Indian household. In 2018, the Government of India introduced the Ayushman Bharat Yojana – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) Scheme to provide for the medical emergencies of the poor population. It acts as a safety mechanism by offering uninterrupted financial support to manage expensive treatments.

Before enrolling for the Scheme, take a look at these Ayushman Bharat Scheme details mentioned below:

What is the AB-PMJAY Government Healthcare Scheme About?

The AB-PMJAY Scheme was introduced by the Prime Minister of India, on the 5th of September 2018. The primary objective of this scheme under the Ayushman Bharat Yojana is to cover over 10.74 crores of the poor population in India.

The PMJAY Scheme offers multiple features and benefits to all its eligible applicants. Hence, every individual must understand the following before you opt for Ayushman Bharat Yojana registration

Features of the Government Healthcare Scheme

  • It provides a defined coverage of Rs. 5 Lakh to every vulnerable Indian family per year.
  • It offers the applicants with cashless hospitalization. Additionally, the cashless benefits can be availed from any public hospital or empaneled private hospital in India.
  • The eligibility criteria depend on the Socio-economic and Caste Census (SECC) database.
  • It ensures paperless registration process.
  • It prioritizes senior citizens, women, and children.
  • It has no specific cap on the age and the size of the family.
  • It covers additional charges like follow-ups, day-care surgeries, pre and post hospitalization expenses, and pre-existing diseases.

Although the PMJAY Scheme covers over 40% of the population, one must meet the requirements of the plan. However, the eligibility criteria are segmented between the urban and the rural population. Here’s a closer look at the categorization below:

Eligibility Criteria

RURAL CATEGORY URBAN CATEGORY
Bonded Laborer Rag pickers and beggars
Scheduled caste and Scheduled tribes Domestic workers
Landless households Street vendors
Manual scavengers Construction works, plumbers, security guards, and so on

An ideal solution to confirm your eligibility is by checking it on the official government website. Follow these six steps mentioned below to verify your eligibility:

  1. Visit the government website of India.
  2. Select the ‘Am I Eligible Section?’ on the website
  3. Enter your mobile number to obtain an OTP number
  4. Submit the OPT number in the provided slot to verify it
  5. Enter either your mobile number or your ration card number to check if you’re a part of the SECC database.
  6. Receive a text message on your phone along with the Rashtriya Swasthya Bima Yojana (RSBY) unique registration number (URN) to check the search results.

To sum up, exorbitant medical expenses have made health insurance the need of the hour. However, certain people cannot afford the charges of availing health insurance plans. The Ayushman Bharat Yojana Scheme is to help the underprivileged families to tackle medical emergencies. In the end, health is an essential aspect of our lives. Hence, it should not be ignored at any cost.

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