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Ayushman Bharat Yojana

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.

Ayushman Bharat Yojana Eligibility Criteria

The eligibility criteria is divided into two broad categories:

 

  • Rural sector

  • Urban sector

 

RURAL CATEGORY

URBAN CATEGORY

  • Bonded labourers

  • Scheduled caste and Scheduled tribes

  • Landless households

  • Manual scavengers

  • Households with no male between 16 years and 59 years of age

  • Families with no one between 16 years and 59 years of age

  • Households with at least one physically challenged member and no healthy adult

  • Ragpickers

  • Washerman/Chowkidars

  • Sanitation workers, gardeners, and sweepers

  • Home-based artisans and handicraft workers

  • Tailors

  • Mechanics, electricians, and repair workers

  • Domestic help

  • Plumbers, masons, construction workers, porters, welders, painters, and security guards

  • Assistants, peons of a small organisation, delivery men, shopkeepers and waiters

  • Transport workers such as drivers, conductors, helpers, cart, or rickshaw pullers

  • Cobblers, hawkers, and people providing services by working on streets or pavements.

Steps to Check Ayushman Bharat Yojana Eligibility Online on Govt. Portal

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.

Steps to Follow for Ayushman Bharat Yojana Registration

  1. Generate a patient verification card for your beneficiaries. For card generation, the patient is directed to the PMJAY kiosk.

  2. Understand all the valid charges and payments associated with the PMJAY scheme.

  3. Confirm any prevailing sickness or diseases from the provided doctors.

  4. 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.

  5. 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.

Documents Required for Ayushman Bharat Yojana Registration

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.

Certificates Required for PMJAY Registration

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.

How to Check Your Name in PMJAY Scheme List?

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.

How to Download the Ayushman Bharat Card Online?

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.

Bottom Line

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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FAQs

✔️What is the enrollment process? Is there any time period for enrolment?

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.

✔️What are the benefits of PMJAY Scheme?

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.

✔️What health services are covered under PMJAY?

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.

✔️Will I have to pay anything to be covered under this scheme?

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.

✔️If I am listed as a beneficiary, and I need to be hospitalized, what documents do I need to bring to the hospital?

At the time of hospitalization, you need to carry a ration card, or any other government recognized photo identity document like Aadhaar card.

✔️How does the Claim Submission process work under Ayushman Bharat Yojana?

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.

✔️What happens if I fall sick during my travel or when I am out of my district or state?

PMJAY benefits are portable across the country. You can avail services by simply calling the helpline number 14555.