The uncertainties in life have led to the growth of the healthcare sector in India. There has been a subsequent rise in the demand for health insurance plans over the past three decades.
The government of India is keen on providing its citizens with better healthcare services to battle medical contingencies. In fact, the authority is planning to increase the public health expenditure to 2.5 percent of the country’s GDP by the year 2025.
Due to this very reason, the Government of India has introduced Pradhan Mantri Jan Arogya Yojana (PMJAY) and Prime Minister Modi announced it from the ramparts of the Red Fort.
This scheme subsumes Ayushman Bharat Yojana, which was the flagship programme launched by the government, offering financial protection to the poor in case of unannounced medical exigency. Hence, it is also known as AB-PMJAY scheme among the masses. Finserv MARKETS brings to you all the PMJAY scheme details you need.
The primary aim of PMJAY scheme is to provide health coverage to approximately 50 crore citizens of India. Moreover, it offers beneficiaries with an average coverage amount of Rs. 5 Lakh. This covers a majority of diagnostics, medicines, pre-hospitalization costs, and medical treatment expenses. In addition to this, the cashless, as well as paperless services, work in the favour of the nominees at any given point of time in their lives.
PMJAY Scheme makes quality healthcare accessible to the poorest of poor families in India. Hence, the benefits offered by this health plan are massive. Take a look at these PMJAY benefits provided to every needy family:
It handles all the uncovered hospital expenses with ease.
It provides a cashless facility to its beneficiaries.
It covers the transport allowances of the beneficiary during the pre-hospitalization and post-hospitalization period.
It covers the day-care expenses within the insurance package.
It also covers the pre-existing ailments of the beneficiary, which are included under the PMJAY plan.
It makes provisions for the follow-up treatments to ensure the complete recovery of the patient.
PMJAY has specific criteria requirements. The criteria depend on the data collected under the Socio-economic caste census conducted in the year 2011. Under the Pradhan Mantri Jan Arogya Yojana, the eligibility criteria are divided between the rural and the urban sectors of India. Take a look below:
Like we know, over 10 crore families across the country will be provided basic health care under the PMJAY scheme. This facility is mainly for the poor and the families with lower middle income. The health coverage provided is of INR 5 lakh per family.
Among the 10 crore families, almost 8 crore families belong to the rural areas while the remaining are from the urban areas. If we break the statistics even further, the scheme will be beneficial to over 50 crore individuals.
Now, just like any other health plan, PMJAY scheme too has certain pre-conditions. Depending on these pre-conditions, it picks who can avail the health coverage benefits. When it comes to rural areas, the eligibility criteria mainly depends on the individuals’ living conditions, income, and other deprivations. Whereas for the urban areas, it is based on each individual’s occupation.
According to the 71st round of the National Sample Survey Organisation, over 85.9% of people in rural areas do not have access to basic healthcare plans. Moreover, 24% of the rural population seeks healthcare facilities by borrowing money.
This is where PMJAY scheme comes in handy. It helps these people avoid getting into a debt trap and avail health facilities. This scheme is economically beneficial to underprivileged households. Also, the families enrolled under the Rashtriya Swasthya Bima Yojana (RSBY) will be covered under the PMJAY scheme.
In the rural areas, the PMJAY health facility is available to –
People belonging to scheduled caste and scheduled tribe families
Households with no male member between the age of 16 years and 59 years
Beggars and those surviving on alms
Families with no individual between the age of 16 years and 59 years
Households with at least one physically challenged member and no healthy adult individual
Landless families who make a living by working as casual manual labourers
Primitive tribal communities
Legally released bonded labourers
People living in one-room makeshift houses with no proper walls or roof
Manual scavenger families
Much like the rural areas and as per the 71st round of the National Sample Survey Organisation, over 82% of urban families do not have access to adequate healthcare insurance. Furthermore, over 18% of the urban population avails health facilities by borrowing money in one form or another.
With the PMJAY scheme, these people can avail healthcare services, as the funding provided is of INR 5 lakh per family. According to the Socio-Economic Caste Census 2011, PMJAY in the urban areas is beneficial to workers’ families. Also, the families enrolled under the Rashtriya Swasthya Bima Yojana (RSBY) will be covered under the PMJAY scheme.
In the urban areas, PMJAY scheme can be availed mainly by –
Mechanics, electricians, and repair workers
Sanitation workers, gardeners, and sweepers
Home-based artisans and handicraft workers
Cobblers, hawkers, and people providing services by working on streets or pavements
Plumbers, masons, construction workers, porters, welders, painters, and security guards
Transport workers such as drivers, conductors, helpers, cart, or rickshaw pullers
Assistants, peons of a small organization, delivery men, shopkeepers and waiters
People who are not eligible for availing PMJAY health services include the ones –
Owning a two, three, or four-wheeler or a motorized fishing boat
Have a mechanized farming equipment
Have a Kisan card with a credit limit of INR 50,000
Employed by the government
Working in government-managed non-agricultural enterprises
Earning a monthly income above INR 10,000
Owning refrigerators and landlines
With decently build houses
Owning 5 acres or more of agricultural land
Individuals, as well as families, can utilize the health coverage of INR 5 lakh provided under the Pradhan Mantri Arogya Scheme. This amount is enough to cover medical expenses and surgical treatments in almost 25 specialities that include cardiology, neurology, oncology, paediatrics, and orthopaedics. However, you cannot reimburse medical and surgical expenses simultaneously.
In case of multiple surgeries, the surgery with the highest cost is paid in the first instance; then a 50% waiver is offered for the second surgery and a 25% discount on the third.
Additionally, unlike other health insurance plans, PMJAY has no waiting period for pre-existing illnesses. This service comes under a larger umbrella scheme of Ayushman Bharat Yojana. So, in case you or any of your loved ones need immediate medical assistance, you do not have to worry about the expenses incurred. However, make sure that the individual seeking treatment is admitted in a network government or private hospital.
Moreover, this scheme also provides cashless treatment and hospitalization, primarily because of the 60:40 cost-sharing agreement between the Centre and States. Once you are recognized under the plan, you and your family members will be issued Ayushman Bharat Golden Card by professionals identified as Ayushman Mitras. The PMJAY or Ayushman Bharat Golden Card is an e-card that allows you to avail the benefits of Pradhan Mantri Jan Arogya Yojana at any of the network hospitals.
Since September 2018, a significant number of hospitals across the country have been empanelled under the PMJAY scheme. At present, over 15,000 hospitals form a part of this government-funded healthcare program, among which 50% of the hospitals are private hospitals.
You can find the list of these empanelled hospitals by following the steps given below:
Visit the link provided below:
Select your state and district area
Choose the type of hospital you are looking for (public, private and for profit, or private and not for profit)
Choose the kind of medical guidance you need
Enter the captcha code
Click on search
The system will provide the list of the PMJAY empanelled hospitals with respective addresses, contact details, and official website. You can also click on Ayushman Bharat Hospital List to know more about the de-empanelled hospitals under the PMJAY scheme.
Checking your name in the AB-PMJAY list 2020 is quite easy. There are three different methods to so.
Visit the Common Service Centre (CSC): You can visit the nearest located CSC or any empanelled hospital to check whether you are eligible for the PMJAY scheme or not.
Contact the Helpline Number: The PMJAY scheme allows you to check your eligibility by simply contacting the helpline number 14555 or 1800-111-565.
Visit PMJAY website: By visiting the official PMJAY website (www.pmjay.gov.in), you can check your eligibility for the scheme.
The PMJAY beneficiaries can avail cashless healthcare services at any of the empanelled hospitals by simply using the Ayushman Bharat Golden Card. The beneficiaries are issued a PMJAY golden card at the time of registration. This e-card card contains all your necessary information and is mandatory to provide it when availing the treatments under the scheme.
Visit the official PMJAY website
Login with your registered contact number
Enter the captcha code and generate the OTP (One-Time-Password)
Opt for the HHD code
Provide the correct HHD code to the Common Service Centre (CSC)
They will check and verify the details provided
The CSC representative (also known as Ayushman Mitra) will complete the remaining process
You will have to pay INR 30 to get the Ayushman Bharat Golden Card
Under the PMJAY Scheme, the private hospitals provide their services at large. Moreover, the beneficiaries can avail the services of primary, tertiary and secondary hospitals.
With PMJAY Schemes, one can ensure paperless and scalable health insurance plans. The paperless transaction is possible under the leadership of the National Institution for Transforming India (NITI) Aayog.
The health insurance premiums are a significant aspect for the continuance of the policy in the long run. Since the State health agencies of India fix the premium, it is affordable.
The benefits of PMJAY plans are provided to either over 10.74 vulnerable families or approximately 50 crore beneficiary families.
PMJAY scheme provides funding of INR 5 lakhs per family annually. The benefit can be utilized for daycare procedures and can even be availed for pre-existing illnesses. Some of the critical ailments covered under the plan are as follows –
Coronary artery bypass grafting
Double valve replacement
Carotid angioplasty with stent
Pulmonary valve replacement
Skull base surgery
Laryngopharyngectomy with gastric pull-up
Anterior spine fixation
Tissue expander for disfigurement following burns
Similar to any other health insurance plan, PMJAY has a minimal list of exclusions as follows –
Drug rehabilitation programme
Cosmetic related procedures
Fertility related procedures
Individual diagnostics (for evaluation purposes)
There is no specific process for PMJAY registration. It applies to all beneficiaries as identified by the SECC 2011 and those who are already a part of the RSBY plan. In case you want to check whether you are eligible to be a beneficiary of PMJAY, follow the steps below –
Visit the PMJAY government website (https://www.pmjay.gov.in/) and click on 'Am I Eligible.'
Enter your contact information and click on 'Generate OTP.'
Select your state and search by name/HHD number/ration card number/mobile number
Based on the results, you can verify whether your family is covered under the PMJAY scheme.
Alternatively, to know about Ayushman Bharat Yojana eligibility, you can contact any Empanelled Health Care Provider (EHCP) or Ayushman Bharat Yojana call centre at 14555 or 1800-111-565.
A certified document confirming your age and identification.
Existing contact details of the buyer
A document stating the current family status.
You can lodge a complaint or grievance online on the CGRMS portal of the PMJAY scheme - www.cgrms.pmjay.gov.in
In case you want to lodge a complaint offline, you can do so by –
Contacting the PMJAY helpline centre operated by your State/NHA
Sending a letter, email, or fax to the official addresses of the SHA/NHA
Directly meeting with the District Grievance Nodal Officer (DGNO) of your district where the complaints are formally processed. The DGNO will enter the contents of grievances received via the offline mode in the portal
For additional PMJAY technical support, you can head to https://mera.pmjay.gov.in/search/login
To sum up, the exorbitant medical expenses have made having comprehensive health insurance the need of the hour. However, certain people cannot afford the premiums of health insurance plans. The PMJAY programme is a measure 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. Ayushman Bharat registration can be done in order to get access to quality healthcare under this programme. Thus eventually, every citizen of our country will be able to lead a worry-free healthy life.
The PMJAY scheme contact and mailing information is as follows –
Contact Number –
14555 or 1800-111-565 (both toll-free).
Mailing Address –
National Health Authority of India
3rd, 7th and 9th Floor,
Jeevan Bharati Building,
New Delhi – 110001.
You also get easy access to the information related to PMJAY with the Ayushman Bharat (PMJAY) app. It is available on the Google Play Store for Android users only as of now. The app also offers the facility to check your eligibility for the scheme and search the empanelled hospitals around you.
Pradhan Mantri Jan Arogya Yojana (PMJAY), is one of the world’s largest national health insurance schemes. Under this umbrella medical insurance scheme, the Government has launched several healthcare initiatives like National Health Protection Scheme (NHPS), Rashtriya Swasthya Bima Yojana (RSBY), Senior Citizen Health Insurance Scheme (SCHIS) and Employees’ State Insurance Scheme (ESIS). Get exclusive insights and details related to all healthcare programs under the PMJAY scheme at Finserv MARKETS.
Also, since the PMJAY scheme has been launched recently, a majority of people are unaware of this government initiative. Hence, you can go through these top frequently asked questions (FAQs) about the Ayushman Bharat Yojana Scheme mentioned below.
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