{"id":5386,"date":"2023-09-19T17:41:35","date_gmt":"2023-09-19T12:11:35","guid":{"rendered":"https:\/\/www.medfin.in\/blog\/?p=5386"},"modified":"2024-03-14T10:37:59","modified_gmt":"2024-03-14T05:07:59","slug":"all-about-ayushman-bharat-yojana-pmjay","status":"publish","type":"post","link":"https:\/\/www.medfin.in\/blog\/health\/all-about-ayushman-bharat-yojana-pmjay\/","title":{"rendered":"All About Ayushman Bharat Yojana, Eligibility &#038; Application"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Ayushman Bharat Yojana is a scheme that helps the economically weaker sections of society receive healthcare facilities. Also known by the name Pradhan Mantri Jan Arogya Yojana (PMJAY), and rolled out on the 23<\/span><span style=\"font-weight: 400;\">rd<\/span><span style=\"font-weight: 400;\"> of September 2023 by the Prime Minister, this health insurance scheme covers around 50 crore citizens of India.<\/span><\/p>\n<p><strong>Here are some of the most important features\/characteristics of this National Health Protection Scheme:<\/strong><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">The scheme provides a coverage of Rs. 5 lakhs to every eligible family per year. This amount will cover treatments in 25 specialities (such as cardiology, neurosurgery, paediatrics, oncology, orthopaedics, etc.)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">The scheme makes secondary and tertiary healthcare paperless and cashless for the underprivileged sections.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">It takes care of about 1,400 treatments\/procedures along with all related costs, such as OT charges. The patients can also reach out to their respective doctors for follow-up for full recovery.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">PMJAY allows treatment at empanelled\/network public and private hospitals and covers the costs of hospitalization and medication as well.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">It further covers 3 days of pre-hospitalization as well as 15 days of post-hospitalization expenses.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">PMJAY is one of the biggest healthcare schemes funded by the Government of India. While it covers 10 crore families without any limitations on family size and age, the scheme lets the people below the poverty line receive the required treatment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Moreover, the plan is specially designed for those without access to the internet or online health plans. It recompenses the cost of transportation incurred during hospitalization and covers all day-care expenses.<\/span><\/p>\n<h2><b>PMJAY Coverage and Eligibility<\/b><\/h2>\n<p><b>Rural:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The scheme covers 8 crore families in rural areas. These have been selected based on those with deprivations such as lack of housing and meager income. It will help families as per the data in the Socio-Economic Caste Census 2011 as well as the households enrolled under the RSBY (Rashtriya Swasthya Bima Yojana).<\/span><\/p>\n<p><strong>The following are the ones eligible from rural areas:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Those living in scheduled tribe and scheduled caste households<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Families without individuals between 16 and 59 years of age<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Beggars and those dependent on alms<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Primitive tribal communities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Families with at least one physically challenged person and no able-bodied adult member<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legally released bonded laborers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Landless households living by working as casual manual laborers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Manual scavenger families<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Families surviving in one-room makeshift houses without proper roofs\/walls<\/span><\/li>\n<\/ul>\n<p><b>Urban:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The PMJAY scheme is to help the families of urban workers in the occupational category, that are present in the Socio-Economic Caste Census 2011. It is also to benefit those enrolled under the RSBY.<\/span><\/p>\n<p><strong>The following are the ones eligible from urban areas:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Watchmen\/washermen<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rag pickers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Domestic help<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electricians, mechanics, repair workers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sanitation workers, sweepers, gardeners<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hawkers, cobblers and other services provided on pavements or streets<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home-based artisans, tailors, or handicraft workers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Masons, plumbers, painters, construction workers, welders and security guards<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assistants, delivery boys, peons in small establishments, shopkeepers, and waiters<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transport workers such as conductors, drivers, rickshaw\/cart pullers, helpers<\/span><\/li>\n<\/ul>\n<p><strong>The ones who are not entitled to health coverage under PMJAY are those:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Owning a 2, 3 or 4-wheeler, or a motorised fishing boat<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Having kisan cards with Rs. 50,000 as the credit limit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Working in non-agricultural enterprises managed by the government<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employed by the government<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Owning landlines and refrigerators<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earning above Rs. 10,000 per month<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Having decent and solidly built houses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Owning five acres or more of agricultural land<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">One may note here that medical and surgical expenses can\u2019t be reimbursed at the same time. In case multiple surgeries are needed, the highest package cost in the first instance is paid for. This is followed by a 50% waiver for the second and a 25 % discount for the third. Moreover, there won\u2019t be any waiting period for pre-existing diseases under this scheme.<\/span><\/p>\n<h2><b>PMJAY Illness Coverage<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">PMJAY coverage and assistance are valid for daycare procedures and are also applicable for pre-existing conditions. There are over 1,350 medical packages for which the scheme extends coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is a list of some of the critical illnesses covered:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coronary artery bypass grafting<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Carotid angioplasty with stent<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prostate cancer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Double valve replacement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Skull base surgery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anterior spine fixation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laryngopharyngectomy with gastric pull-up<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pulmonary valve replacement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tissue expander for disfigurement after burns<\/span><\/li>\n<\/ul>\n<p><strong>Here is another list of some of the exclusions under PMJAY:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drug rehabilitation programme<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">OPD<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Organ transplants<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cosmetic procedures<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Individual diagnostics (for evaluation)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fertility-related procedures<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Utilising the features of the PMJAY scheme will help people be free of the risk of a debt trap and any strain on their finances.<\/span><\/p>\n<h2><b>How to Apply for the Scheme<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You need not apply anywhere to avail yourself of the benefits of the Ayushman Bharat Yojana. If you are eligible, you just need to get the e-card.<\/span><\/p>\n<h2><b>To check your eligibility:<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visit the PMJAY portal, click on \u2018I am Eligible\u2019<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enter your mobile number as well as the CAPTCHA code, and click on \u2018Generate OTP\u2019<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select your state, then search by name\/ HHD number\/ ration card number\/ mobile number<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Alternatively, you can also approach any EHCP or Empanelled Health Care Provider. One may also choose to call the call centre number: 14555 or 1800-111-565.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Coming to the e-card generation aspect, you can reach out to a PMJAY kiosk and get your Aadhaar or ration card verified. You will require family identification proofs including a government-certified list of members, an RSBY card and a PM letter. You will receive a printed e-card with the unique AB-PMJAY ID, which you can use at any time in the future.<\/span><\/p>\n<h3><b>Conclusion<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Ayushman Bharat Yojana is also known as the <strong>AB-PMJAY scheme<\/strong>. It subsumes the RSBY and SCHIS or Senior Citizen Health Insurance Scheme. This scheme is helpful not just for the poor, but also for the destitute families in both rural and urban areas. It covers 40% of the vulnerable families of the country and is free of cost.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ayushman Bharat Yojana is a scheme that helps the economically weaker sections of society receive healthcare facilities. Also known by the name Pradhan Mantri Jan Arogya Yojana (PMJAY), and rolled out on the 23rd of September 2023 by the Prime Minister, this health insurance scheme covers around 50 crore citizens of India. Here are some [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8184,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[562],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PMJAY Scheme - Know All About Ayushman Bharat Yojana, Eligibility<\/title>\n<meta name=\"description\" content=\"Know All about PMJAY scheme, How to apply, Check Your Eligibility, for rural and urban,\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.medfin.in\/blog\/health\/all-about-ayushman-bharat-yojana-pmjay\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PMJAY Scheme - Know All About Ayushman Bharat Yojana, Eligibility\" \/>\n<meta property=\"og:description\" content=\"Know All about PMJAY scheme, How to apply, Check Your Eligibility, for rural and urban,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.medfin.in\/blog\/health\/all-about-ayushman-bharat-yojana-pmjay\/\" \/>\n<meta property=\"og:site_name\" content=\"Medfin Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-19T12:11:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-14T05:07:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog-revamp.s3.ap-south-1.amazonaws.com\/wp-content\/uploads\/2023\/09\/14103749\/PMJAY-1-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"362\" \/>\n\t<meta property=\"og:image:height\" content=\"512\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.medfin.in\/blog\/health\/all-about-ayushman-bharat-yojana-pmjay\/\",\"url\":\"https:\/\/www.medfin.in\/blog\/health\/all-about-ayushman-bharat-yojana-pmjay\/\",\"name\":\"PMJAY Scheme - Know All About Ayushman Bharat Yojana, Eligibility\",\"isPartOf\":{\"@id\":\"https:\/\/www.medfin.in\/blog\/#website\"},\"datePublished\":\"2023-09-19T12:11:35+00:00\",\"dateModified\":\"2024-03-14T05:07:59+00:00\",\"author\":{\"@id\":\"https:\/\/www.medfin.in\/blog\/#\/schema\/person\/551408c65e9110c8052d8371c1cdf765\"},\"description\":\"Know All about PMJAY scheme, How to apply, Check Your Eligibility, for rural and urban,\",\"breadcrumb\":{\"@id\":\"https:\/\/www.medfin.in\/blog\/health\/all-about-ayushman-bharat-yojana-pmjay\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.medfin.in\/blog\/health\/all-about-ayushman-bharat-yojana-pmjay\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.medfin.in\/blog\/health\/all-about-ayushman-bharat-yojana-pmjay\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.medfin.in\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"All About Ayushman Bharat Yojana, Eligibility &#038; 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