Wednesday, May 19, 2021

PMJAY Health Scheme Under Ayushman Bharat Features Benefits- Register Online

 PMJAY Health Scheme Under Ayushman Bharat Features Benefits Register Online

Pradhan Mantri Jan Arogya Yojana (PMJAY) popularly known as Ayushman Bharat Yojana Scheme is the flagship scheme launched by the Government of India. This ambitious healthcare program promises to cover over 10 crore poor and vulnerable families and around 50 crore individuals, based on the database of the Socio-Economic Caste Census (SECC). Under this program, underprivileged families will get up to Rs. 5 Lakh every year per family for hospitalization and undergoing various medical treatments.

It is essentially a health insurance scheme to cater to the poor, lower section of the society and the vulnerable population. The scheme offers financial protection in case of hospitalization due to medical emergencies. This article is a detailed guide about the government’s health insurance scheme’s eligibility, features, benefits and the application process.

Ayushman Bharat, a flagship scheme of Government of India, was launched as recommended by the National Health Policy 2017, to achieve the vision of Universal Health Coverage (UHC). This initiative has been designed to meet Sustainable Development Goals (SDGs) and its underlining commitment, which is to "leave no one behind."

Ayushman Bharat is an attempt to move from sectoral and segmented approach of health service delivery to a comprehensive need-based health care service. This scheme aims to undertake path breaking interventions to holistically address the healthcare system (covering prevention, promotion and ambulatory care) at the primary, secondary and tertiary level. Ayushman Bharat adopts a continuum of care approach, comprising of two inter-related components, which are -

Health and Wellness Centers (HWCs)

In February 2018, the Government of India announced the creation of 1,50,000 Health and Wellness Centres (HWCs) by transforming the existing Sub Centres and Primary Health Centres. These centres are to deliver Comprehensive Primary Health Care (CPHC) bringing healthcare closer to the homes of people. They cover both, maternal and child health services and non-communicable diseases, including free essential drugs and diagnostic services.

Health and Wellness Centers are envisaged to deliver an expanded range of services to address the primary health care needs of the entire population in their area, expanding access, universality and equity close to the community. The emphasis of health promotion and prevention is designed to bring focus on keeping people healthy by engaging and empowering individuals and communities to choose healthy behaviors and make changes that reduce the risk of developing chronic diseases and morbidities.

Under the PMJAY scheme, over 10 crore families are covered with health insurance. Benefit cover under various Government-funded health insurance schemes in India have always been structured on an upper ceiling limit ranging from an annual cover of INR 30,000 to INR 3,00,000 per family across various States which created a fragmented system. PM-JAY provides cashless cover of up to INR 5,00,000 to each eligible family per annum for listed secondary and tertiary care conditions. The cover under the scheme includes all expenses incurred on the following components of the treatment. The scheme promises cashless treatment at public hospitals as well as enpanelled private hospitals. 

Benefits of PMJAY Scheme :

Each qualified household is provided cashless coverage of up to 5,00,000 per year by AB PMJAY for the aforementioned secondary and tertiary medical problems. All costs associated with the following therapy components are covered by the plan: 

  1. Medical treatment is available to every vulnerable family in India. 
  2. It prioritizes girls, women, and senior citizens of India. 
  3. It covers pre-existing diseases, day-care treatments, follow-ups, and so on.
  4. One can avail medical treatments from all the tertiary and secondary hospitals in India.
  5. Medical examination, treatment and consultation
  6. Medical implantation services (where necessary)
  7. Pre-hospitalization
  8. Medicine and medical consumables
  9. Non-intensive and intensive care services
  10. Diagnostic and laboratory investigations
  11. Accommodation benefits and food services
  12. Complications arising during treatment
  13. Post-hospitalization follow-up care up to 15 days

It offers the benefits of national portability in India. Each citizen is eligible to receive the services from anywhere in the country. Ayushman Bharat Yojana holds a strong network of citizens under the plan.

Documents Required:

  1. Age and Identity Proof (Pan card/ Aadhar card)
  2. Address Proof
  3. Contact Details (e-mail, mobile)
  4. Caste Certificate
  5. Income Certificate
  6. Document proof of the current status of the family (Joint or Nuclear)

Know how to Register/ Apply Online for PMJAY Ayushman Bharat Health Scheme

  1. Visit the Official website
  2. Go to Menu Bar
  3. Then you will find Portals 
  4. Click on ‘Am I Eligible’ option in portals
  5. Enter Your Mobile number
  6. Submit the Captcha Code
  7. Then Click on Generate OTP
  8. Finally Enter the OTP and Verify
How to apply for Ayushman Bharat Card 2023:
  1. One should visit the nearest public service centre to get Ayushman Bharat Golden Card.
  2. There the officer will check if your name is in the list.
  3. If your name is in the beneficiary list, you have to submit a photocopy of your Aadhar Card, Registered Mobile Number, Ration card.
  4. After this you also need to submit a passport size photograph.
  5. Registration number and password will be given after completion of your registration process.
  6. After that you have to wait for 15 days.
  7. Ayushman Bharat Golden card will be delivered to your home address after 15 days.
  8. After that you can visit any hospital in case of any medical emergency for Rs. 5 lakhs can get free treatment.
  9. Through this card, the government hopes to provide health facilities to the underprivileged sections of the country.

You do not need to enroll anywhere to claim benefits under PMJAY Ayushman Bharat Yojana after  Registration. You just need to get yourself identified at the nearest empanelled hospital or Community Service Centre (CSC).