PMJAY – Ayushman Bharat Yojana – pmjay.gov.in

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Pradhan Mantri Jan Arogya Yojana (PMJAY) is a health insurance scheme by the Central Government of India to provide health care facilities to poor citizens. The scheme was introduced back in September 2018 and since its start, it has several success stories to its name. The objective of this scheme is to make secondary and tertiary healthcare completely free for the citizens of India. With this scheme, the beneficiaries get an e-card using which they can avail health care facilities at an empanelled hospital (public or private), anywhere in the country. Using the e-card, the beneficiaries can get free, cashless medical treatment.

The cashless medical coverage includes 3 days of pre-hospitalization, 15 days of post-hospitalization along with 1400+ different medical procedures. All in all, the PMJAY scheme provides medical coverage of Rs. 5 lakh per family annually to help poor and needy citizens obtain easy access to healthcare services.

Ayushman Bharat Yojana Registration

There is no specific procedure to apply and get registered for the PMJAY/Ayushma Bharat Yojana. The PMJAY scheme is applicable for all the beneficiaries identified by the SECC 2011 and those who are already a part of the RSBY scheme. Still, if you want to check if you are eligible for this scheme or not then here is how you can check your eligibility to be a beneficiary of the PMJAY scheme.

  1. Visit the Official Website of PMJAY.
  2. Click on Menu > Am I Eligible.
  3. Enter your mobile number and the CAPTCHA code in the given fields. Now, click on Generate OTP.

  4. Enter the OTP that you received on your mobile number.
  5. Now, select your state and search by either name/ HHD number/ ration card number/ mobile number.
  6. The search results will show if your family is covered by the PMJAY scheme or not.

You can also find out by visiting an Empanelled Health Care Provider (EHCP) or dialing the PMJAY Call Centre at 14555 or 1800-111-565.

PMJAY Rural Areas

According to the National Sample Survey Organization, about 85.9% of rural households don’t have access to healthcare insurance and about 24% of the rural families access healthcare by borrowing money. The objective of the PMJAY scheme to help urban families get healthcare services by providing annual assistance of Rs. 5 lakh per family.

The families eligible for the PMJAY scheme involves the disadvantaged families according to the Socio-Economic Caste Census 2011 and also the families enrolled under Rashtriya Swasthya Bima Yojana (RSBY). The general eligibility criteria for people living in rural areas are:

  • People living in scheduled caste and scheduled tribe household
  • Families having no male members aged 16 to 59 years
  • Beggars and people surviving in alms
  • Families having at least one physically disabled member and no able-bodied adult member
  • Landless households making a living by working as casual manual laborers
  • Primitive tribal communities
  • Legally released bonded laborers
  • Families living in one-room houses with no proper walls or roof
  • Manual scavenger families

PMJAY Urban Areas

According to the National Sample Survey Organization, about 82% of rural households don’t have access to healthcare insurance and about 18% of the rural families access healthcare by borrowing money. The objective of the PMJAY scheme is to provide free healthcare facilities to deserving and needy people in rural areas by providing annual assistance of Rs. 5 lakh per family for health insurance

The families eligible for the PMJAY scheme involves the disadvantaged families according to the Socio-Economic Caste Census 2011 and also the families enrolled under Rashtriya Swasthya Bima Yojana (RSBY). In urban areas, the following people are eligible:

  • Washerman
  • Chowkidars
  • Rag Pickers
  • Mechanics, electrocutions, repair workers.
  • Sanitation workers, gardeners, sweepers
  • Home-based artisans, tailors, or handicraft workers
  • Cobblers, Hawkers, and others providing services by working on streets or pavements
  • Plumbers, masons, construction workers, porters, welders, painters, and security guards
  • Drivers, Conductors, Helpers, Rickshaw pullers
  • Assistants, peons, delivery boys, shopkeepers, and waiters.

Who is not eligible for Ayushman Bharat Yojana?

The following people are not eligible for Ayushman Bharat Yojana Scheme

  1. People owning a vehicle (two-wheeler, three-wheeler, or any other car)
  2. Government Employees
  3. People having a monthly income of Rs. 10,000 and above
  4. People owning farming machinery and equipment
  5. People living in properly built houses
  6. People holding a Kisan Card
  7. People owning agricultural land of more than 5 acres
  8. People owning a motorized fishing boat
  9. People owning refrigerators and landline phones in their houses
  10. People employed in government-run non-agricultural enterprises