Ayushman Bharat Yojana is a healthcare initiative taken by the Indian Government to support the well-being of the poor. It comprises two major health initiatives: Health and Wellness Centre (HWC) and Pradhan Mantri Jan Arogya Yojana (PMJAY).
Under the PMJAY scheme, over 10 crore families are covered with health insurance of ₹5 Lakhs. The scheme promises cashless treatment at public hospitals as well as empanelled private hospitals. Moreover, expensive surgeries like knee replacements, coronary bypass, and others are also covered. The prime benefit of the PMJAY scheme is to provide financial protection during unforeseen events. So, let’s understand the PMJAY eligibility criteria and the registration process in detail.
The eligibility criteria is divided into two broad categories:
Rural sector
Urban sector
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URBAN CATEGORY |
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Here’s how you can check the PMJAY eligibility criteria with the following steps:
Step 1: Go to the official PMJAY website (https://pmjay.gov.in/).
Step 2: Click on the PMJAY ‘Am I Eligible’ option present near the search bar.
Step 3: Enter your name, phone number, ration card number or the Rashtriya Swasthya Bima Yojana URN number.
Step 4: On submitting your mobile number, you’ll receive an OTP. Submit the generated OTP.
Step 5: Select your state of residence.
Step 6: Click on the ‘Search’ button once you’ve filled in all the relevant details. When you click search, a list of names will fall under the category.
Step 7: Look for your name in the list.
After you have checked your eligibility on the online portal, you should look forward to the Ayushman Bharat Yojana online registration and application process. In case you are not eligible for the scheme, it is wise to explore other health insurance plans available in the market to safeguard yourself and your family in case of medical emergencies.
Generate a patient verification card for your beneficiaries. For card generation, the patient is directed to the PMJAY kiosk.
Understand all the valid charges and payments associated with the PMJAY scheme.
Confirm any prevailing sickness or diseases from the provided doctors.
Obtain a medical treatment or a prescription of medication from the doctors in the case of any severity. If hospitalisation is recommended, avail medical facilities from Empanelled Healthcare Providers (EHCP) or public hospitals.
After the completion of treatments, receive a discharge certificate/bills/invoices from the hospital.
Submission of essential documents plays a vital role. Providing all the necessary paperwork quickens the procedure. Here’s a closer look at all the required documents for availing the Ayushman Bharat Yojana.
You can keep the below-mentioned documents ready for AB-PMJAY registration online:
Age and identity proof, required to opt for the Ayushman Bharat Yojana
Income certificate
Caste certificate
Contact details such as phone number, address, email ID, etc.
Documents stating your family’s current status
Contact details should be mentioned accurately as it is the only way of contacting the policyholder.
One must submit two different certificates while opting for the Ayushman Bharat Yojana. The required certificates are as follows:
Income certificate
Caste certificate
Family structure
During the Pradhan Mantri Jan Arogya Yojana (PMJAY) online registration and application process, one must specify their family structure. For instance, an individual must mention whether he lives in a nuclear family or a joint family.
There are three methods to check if your name is mentioned in the PMJAY scheme list, here’s how:
Online Method: To check if your name is present in the PMJAY scheme list online, you can visit the official website and check your eligibility.
Through Common Service Centre (CSC): You can also visit the nearest CSC or empanelled hospital to know if you are eligible under the Ayushman Bharat Yojana.
Use Helpline Number: Another method to check Ayushman Bharat eligibility is by simply contacting the helpline number 14555 or 1800 111 565.
Follow the below steps to successfully complete the Ayushman Bharat card online application process and to download it:
Step 1: Go to the official PMJAY website (https://pmjay.gov.in/).
Step 2: Log in with your registered phone number.
Step 3: Input the captcha code and generate the OTP (one-time password).
Step 4: Opt for the Household Id number (HHD) code.
Step 5: Provide the accurate HHD code to the PMJAY Common Service Centre (CSC).
Step 6: The CSC will check and verify the information provided.
Step 7: The PMJAY CSC representative will complete the remaining process.
Step 8: Pay ₹30 to get the Ayushman Bharat card.
Now that you have learnt the PMJAY registration process, you can easily check if you are eligible and benefit from the health scheme. However, if you are not eligible under the Ayushman Bharat Yojana, you still require sufficient health cover for your insurance needs.
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The PMJAY scheme is an entitlement based health insurance plan. There are no specific procedures for enrollment. Households that are identified under the PMJAY scheme are based on deprivation and occupational criteria. It utilizes the Socio-Economic and Caste Census data (for rural and urban) to determine the beneficiaries.
Ayushman Bharat Yojana benefits include health insurance coverage of up to INR 5 lakh per family, annually. Here, all the pre-existing illnesses are covered without any waiting period.
You can avail the health services of hospitalization expenses, daycare surgeries, follow-up care, pre and post hospitalization expenses, and newborn childcare services under the PMJAY scheme. A detailed list of the services available under the Ayushman Bharat Yojana is available on the website.
No. For all the individuals who are eligible for the PMJAY Scheme can avail the benefits offered under it. Moreover, you get to avail cashless health services as well.
At the time of hospitalization, you need to carry a ration card, or any other government recognized photo identity document like Aadhaar card.
After you get a discharge from the hospital, the claim submission process is initiated. You have to raise a request on the online portal with your treatment summary and all the necessary documents. The hospital will then submit the requested documents within 24 hours of your discharge.
PMJAY benefits are portable across the country. You can avail services by simply calling the helpline number 14555.