Ayushman Bharat Yojana Or  Pradhan Mantri Jan Arogya Yojana (PMJAY)

Ayushman Bharat Yojana, also known as Pradhan Mantri Jan Arogya Yojana (PMJAY), is a national health insurance scheme aimed at providing financial protection to vulnerable families by offering coverage for hospitalization expenses. Here’s a detailed breakdown of the eligibility and application process for the scheme, both online and offline.

Eligibility for Ayushman Bharat Yojana

The eligibility for the Ayushman Bharat Yojana depends on the identification of eligible families through the Socio-Economic Caste Census (SECC) database and certain income criteria. The key points for eligibility are:

1.  Eligible Families (SECC 2011 Database):

1. • The scheme primarily targets families that are in the SECC 2011 database, which includes families from rural areas with low income, and certain categories such as:

     • Families without any land ownership.

     • Families who have no adult member employed.

     • Families with manual scavengers or those dependent on informal work.

     • Families with disabled members.

     • Families belonging to specific scheduled caste and tribe categories.

2.  Income Limit Criteria:

2. • Families with an annual income of up to ₹5 lakh are generally eligible for the health cover.

3.  Priority for Specific Vulnerable Groups:

3. • Scheduled Castes (SC), Scheduled Tribes (ST), Other Backward Classes (OBCs), and economically weaker sections of the society are prioritized for coverage.

4.  For Urban Areas:

4. • Individuals and families who are working in the informal sector (like street vendors, daily wagers, etc.) are eligible for this scheme.

5.  Other Criteria:

5. • The eligibility criteria may differ slightly from state to state depending on the local government's implementation process. You can check with local authorities to confirm specific eligibility in your state.

Online Application Process

1.  Visit the Official Website:

1. • The official Ayushman Bharat website is https://www.pmjay.gov.in.

2.  Check Eligibility:

2. • On the homepage, you will find an option to check your eligibility. You can enter your mobile number or use other details like name, family members, or state to check whether your family is eligible for the scheme.

3.  Registration:

3. • If you are eligible, you can fill out the online registration form. You may need to upload relevant documents like identity proof, income certificate, or details from the SECC list.

4.  Health Card Generation:

4. • After successful registration, you will receive a Golden Card that is used to avail benefits under the scheme. This card can be downloaded and printed or you may collect it from designated centers.

5.  Mobile App:

5. • You can also download the Ayushman Bharat mobile app to check your eligibility and register.

6.  Tracking:

6. • You can track your application status online and find nearby empaneled hospitals that accept the Ayushman Bharat health card.

Offline Application Process

1.  Visit the Nearest CSC (Common Service Center):

1. • In case you don’t have internet access, you can visit the nearest Common Service Center (CSC) or the PMJAY office in your region. These centers assist people in applying for the scheme offline.

2.  Document Submission:

2. • Submit necessary documents like identity proof, income certificates, and proof of your family's socio-economic status. You can get assistance from the staff to fill out the application.

3.  Verification Process:

3. • Once the documents are submitted, they will be verified for eligibility. If everything is in order, you will receive a Golden Card or a similar document to access health benefits.

4.  Local Health Centers:

4. • You can also visit local health care centers or PMJAY empaneled hospitals to know more and apply for the scheme.

Documents Required for Ayushman Bharat Yojana Application

• Aadhar card or any valid government-issued ID.

• Income certificate (if applicable).

• SECC list details (if available).

• Proof of residence.

• Passport-size photographs.

How to Avail the Benefits

Once you have the Golden Card (Ayushman Bharat health card), you can avail yourself of medical treatment at any PMJAY empaneled hospital across India. The scheme covers hospitalization expenses for more than 1,000 procedures, including surgery, hospitalization, diagnostics, and maternity.

Important Points

• PMJAY Benefits: Covers up to ₹5 lakh per family per year.

• No Premium or Cost: Beneficiaries do not have to pay any premium for the scheme.

• Cashless Treatment: You can avail of cashless treatment at public and private hospitals under the scheme. 

Queries:

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·         PMJAY official website

·         PMJAY for BPL families

·         Ayushman card eligibility criteria

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·         How to apply for Ayushman Bharat Yojana

·         Who is eligible for PMJAY scheme

·         Ayushman Bharat card online registration process

·         Steps to check Ayushman Bharat card status

·         Benefits of Pradhan Mantri Jan Arogya Yojana

·         List of empaneled hospitals under PMJAY

·         Free treatment under Ayushman Bharat scheme

·         How to download Ayushman Bharat health card