Ayushman Bharat Pradhan Mantri Jan Arogya Yojana

Free of Cost, Cashless, and Paperless medical treatment facilities will be provided to all eligible citizens of India under the Central Government’s Ayushman Bharat Pradhan Mantri Jan Arogya Yojana. (PM JAY).
Read the complete article to get full details about the scheme.

Introduction of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana: A Brief Insight

• Government of India launched the largest health care scheme in the world on the 23rd of November 2018.
• The name of the Scheme is “Ayushman Bharat Pradhan Mantri Jan Arogya Yojana”. (PM JAY)
• The main objective of the government behind starting PM JAY is to provide high-quality health care services to all low-income group families of the country so that no one can be deprived of mandatory medical services.
• This scheme is implemented by Ministry of Health & family Welfare in collaboration with the National Health Authority and State Health Agencies.
• The government will provide free, cashless, and paperless medical treatment services to all eligible people of India.
• Each eligible family can avail free-of-cost medical treatment services up to Rs. 5 lakh per year under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana.
• Treatment cost covers all services of secondary and tertiary hospitalization.
• The following benefits will be included under the Ayushman Bharat Pradhanmantri Jan Arogya Scheme of the Government of India :-
  • Medical Examination
  • Treatment and Consultation
  • Pre-Hospitalization Benefits
  • Post-Hospitalization Care up to 15 Days
  • Non-intensive and Intensive Care Services
  • Medicines
  • Medical Consumables
  • Diagnostic
  • Laboratory Investigations
  • Medical Implantation Services
  • Accommodation Benefits
  • Food Services
  • Complications arising during Treatment
• Ayushman Card is needed to avail the above-mentioned benefits in any government or empanelled private hospital.
• Beneficiaries can find the List of All Empanelled Hospitals of Ayushman Bharat PM JAY Here.
• More than 30,000 hospitals are currently empanelled in the Ayushman Bharat Yojana.
• Ayushman Card can be obtained by applying it through Offical Website, by visiting CSC Centres or hospitals or through its Mobile Application.
• Get an Ayushman Card today and avail the benefits of cashless treatment up to Rs. 5 lakh under the Central Government’s Ayushman Bharat Prime Minister Jan Arogya Scheme.
• As per government data, more than 41 crore Ayushman cards have been created, more than 9.5 crore have taken admission in authorized hospitals and availed the benefits, and more than Rs. 1.34 lakh crore have been authorized for treatment.
• Beneficiaries can also enroll themselves under the Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana, which is a social security schemes of the Government of India.

Benefits Provided to Eligible Beneficiaries

• Each and every eligible family will get the following benefits under the Central Government’s Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) :-
  • Free and Cashless Medical Treatment.
  • Medical Treatment up to Rs. 5 lakh per family per year in Government or any Empanelled Private Hospital.
  • Medical Treatment covers Secondary and Tertiary Care Hospitalization.
  • Whole Treatment is completely Free, Cashless, and Paperless.
  • Covers 3 Days or Pre-Hospitalization and 15 Days of Post-Hospitalization.
  • Pre-Existing Conditions/ Diseases are also covered.

Eligibility Conditions Required to be Fulfilled

• Free and Cashless Treatment up to Rs. 5 lakh in private empanelled hospitals and in government hospitals will be provided to only those beneficiaries who fulfill the below-mentioned eligibility criteria of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) :-
  

  Rural Areas

  There are 6 categories defined for the Rural Area, which are D1, D2, D3. D4, D5 and D6, beneficiaries coming under these categories are eligible get the Ayushman Card :- People Living in One Room with Kuccha Walls and Kuccha Roof (D1) Family has No Adult Member aged between 16 to 59 years (D2) Family has No Male Member of Age between 16 to 59 years (D3) Family has Disabled Member or Disabled Adult Member (D4) Scheduled Caste and Scheduled Tribe Families (D5) Landless Families who are engaged in Labour Work (D6)

  Urban Areas

  People belonging to below-mentioned 11 categories are eligible to get the Ayushman Card under the PM Jan Arogya Yojana :- Domestic Workers Beggars Ragpickers Sweeper or Sanitation Worker or Mali Street Vendor or Cobbler or Hawker or People working on the Streets Transport Worker or Driver or Conductor or Helper of Driver or Cart Puller or Rickshaw Puller Home-Based Worker or Artisan or Handicraft Worker or Tailor Construction Workers or Plumbers or Masons or Labourers or Painters or Welders or Security Guards or Collies or other Workers Washer Man or Chowkidar Electrician or Mechanic or Assembler or Repair Worker Shop Worker or Assistant or Peon of Small Establishment or Helper or Delivery Assistant or Attendant or Waiter

  People Automatically Eligible

  The following people are automatically eligible for free treatment under the Ayushman Bharat Prime Minister Jan Arogya Scheme :- Families who don’t have a Home or Shelter Families living Destitute or on Alms Manual Scavengers Primitive Tribal Groups Bonded Labourers who are Legally Released

  Other Eligible Beneficiaries

  All Ration Card Holder Families. (National Food Security Act Beneficiaries) Families in the list of SECC. (Socio-Economic Caste Census)

Documents Required to be Attached

• Beneficiary should have the following documents in their possession at the time of applying for Ayushman Card under Pradhan Mantri Jan Arogya Scheme of the Government of India :-
  • Ration Card.
  • Aadhaar Card.
  • Mobile Number.

How Beneficiaries Can Apply to Avail the Benefit of this Scheme

• Ayushman Card under the Central Government’s Pradhan Mantri Jan Arogya Yojana (PM-JAY) can be generated through the following ways :-
  • Through the PM JAY Official Website.
  • Through the CSC Centre.
  • Through Hospitals.
  • Through the PM JAY Official Mobile Application.

Through the Official Website

• The easiest way to get an Ayushman Card under the PM Jan Arogya Yojana of the Central Government is through beneficiary.nha.gov.in.
• Visit the Portal to make an Ayushman Card Online and log in as a Beneficiary by entering your mobile number.
  
• Mobile Number of the Applicant will be verified by the portal through OTP.
• After that, Select PMJAY, your State, Sub Scheme Name, your District, Family ID and enter your Family ID (Ration Card) Number.
  
• A complete list of the family, with the names of the members of the family will appear on the screen.
• Click on e-KYC, Applican can complete their Ayushman Card e-KYC through the following ways :-
  • Aadhaar OTP
  • Finger Print
  • IRIS Scan
  • Face Authentication
• Choose any one of the above-mentioned methods and complete your e-KYC for the Ayushman Card.
• The portal will generate the Ayushman Card of the Applicant, which can be downloaded from the portal itself.
• Contact on 14555 in case any help or assistance is required regarding Pradhan Mantri Jan Arogya Yojana of the Central Government.

Through the CSC Centre

• Ayushman Card under Pradhan Mantri Jan Arogya Yojana (PM-JAY) can also be made by visiting the nearest Common Service Centre. (CSC)
• Take your Ration Card and Aadhaar Card with you and visit your nearest CSC Centre.
• CSC Agent will log in to the official website with their login ID and password and enter the Ration Card Number of the Applicant.
• The portal will fetch the details of the family from NFSA Data and show it on the screen.
• E-KYC is mandatory in order to make an Ayushman Card under this scheme.
• CSC Agent can perform e-KYC of the Applicant through Aadhaar authentication or Finger Print Scanner or through Iris Scanner.
• Ayushman Card will be generated by the PM-JAY Portal after successful verification.
• Collect the Ayushman Card from the CSC Agent and avail the benefit of free and cashless treatment up to Rs. 5 lakh underthe  Central Government’s Ayushman Bharat Pradhan Mantri Jan Arogya Yojana.

Through Hospitals

• Beneficiaries can also enroll themselves under the Central Government’s Ayushman Bharat Pradhan Mantri Jan Arogya Yojana by visiting any government or empanelled hospital in their district.
• The government sets PM JAY Counters at every hospital to provide the facility of easy enrollment and hospitalization.
• Visit the PM-JAY Counter and provide them with your Ration Card and Aadhaar Card.
• The operator present at the counter verifies the family ration card and Aadhaar card of the applicant and does e-KYC on the spot.
• It is mandatory to have the same name in the Aadhaar Card and the Ration Card to match the data.
• Once verified, the operator will print the Ayushman Card of the Applicant and hand it over.
• This Ayushman Card is applicable in all government hospitals and empanelled hospitals and helps the applicant to avail cashless treatment up to Rs. 5 lakh.

Through a Mobile Application

• Eligible Applicants can also apply for the Ayushman Card under the Central Government’s PM Jan Arogya Yojana (PM-JAY) through its Official Mobile Application.
• Download the Ayushman Bharat Yojana Official Mobile Application.
  
• Open the Mobile App and Click on Login.
• Choose Login as Beneficiary and Enter your Mobile Number.
  
• Mobile App will verify the mobile number through OTP.
• Enter your Family Ration Card Number and Click on Search.
• A list of Family Members will appear and you have to choose the name of the family member to make the Ayushman Card Online.
  
• Complete e-KYC of the family member through Aadhar OTP, IRIS Scan, Face Auth or Finger Print.
  
• Download the Ayushman Card after successful completion of e-KYC and avail the benefits of free treatment up to Rs. 5 lakh.

How to File a Grievance Related to Ayushman Bharat Yojana

• If beneficiaries face any problem regarding Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, then they can file a complaint.
• Central Government has the Official Portal through which aggrieved people can file a complaint regarding PM JAY.
• Open the Portal and Click on Register Your Grievance.
  
• Enter your mobile number and verify it through OTP authentication.
  
• Fill in the complaint information and supporting documents on the portal.
• The portal will generate the Unique Grievance Number (UGN) after successful submission of the complaint.
• Applicant can also track their grievance by entering their UGN Number.
  
• Complaint Portal of Ayushman Bharat Yojana has the following features available :-
  
• Apart from portal, beneficiaries can also Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM JAY) by dialing “14555”, by dropping on email at “cgrms.pmjay@nha.gov.in” or sent a complaint through post to “National Health Authority, 3rd Floor, Tower 1, Jeevan Bharti Building, Connaught Place, New Delhi – 110001.

Specimen of Ayushman Card

Important Links Available

• Official Website of Ayushman Bharat PM Jan Arogya Yojana.
• Official Mobile App of Ayushman Bharat PM Jan Arogya Yojana.
• Eligibility Check of Ayushman Bharat PM Jan Arogya Yojana.
• File Complaint for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana.
• List of Empanelled Hospitals of Ayushman Bharat PM Jan Arogya Yojana.
• Official Website of Ministry of Health & family Welfare.

Contact Details in Case of Help Needed

• Helpline Number Ayushman Bharat Pradhan Mantri Jan Arogya Yojana :-
  • 14555.
  • 1800111565.
  • 18002332085.
• Complaint Email of Ayushman Bharat Pradhan Mantri Arogya Yojana :- cgrms.pmjay@nha.gov.in.

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