Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PM-JAY)

Scheme Introduction: A Brief Overview

• Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana, is an important health service scheme of Government of India.
• It is also known by the following names : -
  • "Pradhan Mantri Jan Arogya Yojana (PM-JAY)."
  • "Ayushman Bharat Yojana."
  • "PM-JAY Scheme."
• It was launched by the Prime Minister of India on 23rd September 2018 in Ranchi, Jharkhand.
• Primarily, the Ayushman Bharat Yojana has two components : -
  • Health and Wellness Centres (HWCs).
  • Pradhan Mantri Jan Arogya Yojana (PM-JAY).
• Under the Health and Wellness Centres component, the Government of India announced the creation of 1,50,000 Health and Wellness Centres (HWCs) by updating existing sub centres and primary health centres.
• These centres are meant to provide comprehensive primary health care (CPHC) facilities to the people of country.
• They cover both maternal and child health services and non-communicable diseases, including essential medicines, and diagnostic services free of charge.
• The Second component under the Ayushman Bharat Yojana is the Pradhan Mantri Jan Arogya Yojana or PM-JAY.
• It is the world's largest health insurance scheme which aims to provide a health cover of Rs. 5 Lakh per family per year.
• More than 10.74 crore poor and vulnerable families (about 60 crore beneficiaries) will get the benefit of this scheme.
• The families included are based on the deprivation and occupational criteria of Socio-Economic Caste Census (SECC 2011) from rural and urban areas.
• Pradhan Mantri Jan Arogya Yojana (PM-JAY) was earlier known as National Health Protection Scheme (NHPS).
• Pradhan Mantri Jan Arogya Yojana (PM-JAY) is fully funded by the Government and the cost of implementation is shared between the Central and State Governments.
• Earlier, the scheme didn't cover senior citizens aged 70 years or above.
• But now all senior citizens will be covered under the PM-JAY, irrespective of their income.
• Around 4.5 crore families with 6 crore senior citizens are going to receive benefits from this scheme.
• In case senior citizens are belong to families that are already receiving PM-JAY benefits, will receive an additional cover of Rs 5 lakh per year per family.
• However, the additional coverage amount will not be shared with other family members age below 70).
• Ayushman Vaya Vandana Card will be issued to these senior citizens to receive free medical treatment in the hospital.
• If any senior citizens are availing benefits of Central Government Health Scheme (CGHS), Ex-Servicemen Health Scheme (ECHS), Ayushman Central Armed Police Force (CAPF) can either choose the existing benefit or Ayushman Scheme.

Scheme Benefits

• Under Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana provides cashless cover of Rs. 5,00,000/- per year to each eligible family.
• Additional cover of Rs 5 lakh to those families having senior citizens aged 70 year or above.
• The cover under the scheme includes all expenses incurred on the following components of treatment :-
  • Medical Examination.
  • Treatment and Consultation.
  • Pre-hospitalization.
  • Medicine and Medical Consumables.
  • Non-intensive and intensive care services.
  • Diagnostic and laboratory investigations.
  • Medical Implantation services.
  • Accommodation Benefits.
  • Food Services.
  • Complication arising during treatment.
  • Post-hospitalization follow-up care up to 15 days.
• The benefit of Rs. 5,00,000/- can be used by one or all of the family.
• Additional cover provided to senior citizen cannot be used by other family member below 70 years of age.
• There is no limit on the size of the family or the age of the family members.
• Pre-existing diseases are also covered under this scheme.
• Any eligible person suffering from any medical condition before being covered by Pradhan Mantri Jan Arogya Yojana will now be able to get treatment for all type of medical conditions from the day beneficiary get enrolled.

Eligibility Requirement

• Under Ayushman Bharat Yojana, the following beneficiary are automatically included
  • Households without shelter.
  • People living on alms or destitute.
  • Families of manual scavenger.
  • Primitive tribal groups.
  • Legally released bonded labour.
• Senior Citizens aged 70 or above.
• Whereas, there are detailed criteria for rural and urban areas people, whose details are shared in the table given below:

Required Documents

• Applicants must produce their following documents when applying for the Ayushman Bharat Scheme : -
  • Applicants Aadhaar Card.
  • Ration Card.

Features of the Scheme

• The Government of India has committed to ensuring universal access to good quality healthcare services for its population, without facing financial hardship.
• In Ayushman Bharat Yojana, cashless and paperless medical treatment will be provided to all beneficiary at selected empanelled public and private hospitals.
• Under the scheme, the beneficiary will get the medical cover of Rs. 5 Lakh per family per year (with and additional cover of Rs 5 lakh to senior citizens).
• It also aims to reduce the financial burden on poor and vulnerable groups arising out of catastrophic hospital episodes.
• Around 10 crores families or about 60 crore Indian are going to receive benefit of the scheme.
• Medical facilities will be available across public and private empanelled hospitals in India.
• There is no restriction on family size, age or gender.
• This scheme covers 3 days of pre-hospitalization and 15 days of post hospitalization expenses incurred on treatment.
• For any grievance, a 24*7 helpline number (14555) is available for people.
• Under this scheme, the beneficiary can take treatment benefits in any part of the country.

Status of the Scheme

Steps to Apply

• To avail of the benefit of the schemes, the beneficiary must possess an Ayushman Card.
• A beneficiary can apply for the Ayushman Card by the given ways : -
  • through web portal.
  • through CSC.
  • through mobile app.
  • through dedicated Ayushman Yojana counters at empanelled hospitals.

Online Web Portal Process

• Visit the official website of Ayushman Yojana.
• On the home page, login as beneficiary and enter the captcha code followed by your mobile number.
• Enter the OTP received on the mobile number you have entered.
  
• Submit the captcha code and press the login tab.
• Applicants below 70 years of age need to select the listed options (Whereas beneficiary 70 years or above need to select "Click here to enroll" and proceed)
  • Scheme
  • State
  • Sub Scheme
  • District
  • Search by (Aadhaar Card or Family ID or as appeared as per your state).
    
• Enter the Aadhaar Number or other details as per the option selected previously.
• Enter the captcha code appears on the screen.
• If applicants were not enrolled, select the fresh enrollment tab.
• To complete the e-KYC select the most suitable option.
  • Aadhaar OTP
    • Enter the Aadhaar card number and press the verify tab.
  • Finger Print
    • Users need a biometric machine to complete this process and on the basis of Aadhaar record applicants biometric will be completed.
  • IRIS Scan.
    • Similar to the finger print this process requires an IRIS scanner which will authenticate users from its Aadhaar record.
• Upon successful verification a consent declaration page appears.
• Read the details and press the checkbox and select the "Allow" tab.
• Next enter the OTP received on the provided mobile number or number registered with Aadhaar card.
• Select the beneficiary from the list and tap to proceed.
• Once the e-KYC is completed successfully applicants need to upload its photograph.
• Next, enter the additional information marked mandatory.
• After submitting the required details press the submit button.
• Once the enrollment process is completed applicants can download the Ayushman Card after minutes.

CSC Centres Process

• Visit the nearest CSC (Common Service Centres).
• Provide the ration card and Aadhar card to the attendant.
• Provide the necessary details as required.
• Once the application process is completed you will receive a confirmation on your mobile number.

Mobile Application Process

• First download the Ayushman App from google play store.
  
• Login as a beneficiary with your Aadhaar card.
• Enter the received OTP and press the login tab.
• Complete the e-KYC process with the available options.
• Upload the applicant photograph and provide other required details.
• Finally, press the submit tab and complete the process.

Dedicated Empaneled Hospital Process

• Applicants can also apply for the Ayushman Card through empaneled hospitals.
• For this, they need to visit the dedicated Ayushman counters.
• Provide the requesting details and documents.
• Once the process is completed, Ayushman card and its number will be generated.

How to avail benefit

• Empanelled public and private hospitals have a dedicated Ayushman Yojana Counter to facilitate beneficiaries.
• Applicants need to provide their ration card and Aadhaar card to complete the application process.
• Once registered, Ayushman card will be issued to applicants.
• Beneficiary have to register and submit a related document at this counter, to start the procedure.
• In emergency cases, hospitals staff will admit the patient first without immediate registration, which can be completed later.
• Once the beneficiary is admitted under the Ayushman yojana, all expenses up to Rs 5 lakh will be borne by the government.
• To get the benefits of the scheme, it is mandatory for the beneficiary to furnish their Ayushman card and Aadhaar card.

Employees' State Insurance Corporation Joins Ayushman Bharat Yojana

• Employees' State Insurance (ESIC) has entered into a partnership with National Health Authority (NHA).
• This convergence between Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (ABPM-JAY) and Employees' State Insurance Corporation (ESIC) will enable Employees' State Insurance Corporation (ESIC) beneficiaries to access services at Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana empanelled Hospitals and vice versa.
• In the initial phase, it was launched as a pilot project in Ahmednagar, Maharashtra and Bidar, Karnataka, where Employees State Insurance beneficiaries get access to medical care services of Pradhan Mantri Jan Arogya Yojana (PM-JAY) empanelled Hospitals.
• After successful completion of pilot project, the Employees State Insurance Scheme has been extended to 113 designated districts in 4 states by merging with Pradhan Mantri Jan Arogya Yojana.
• Those States are :-
  • Chhattisgarh.
  • Karnataka.
  • Madhya Pradesh.
  • Maharashtra.
• The major benefits to the Employees'' State Insurance Corporation (ESIC) beneficiaries are :-
  • Employees' State Insurance Corporation (ESIC) beneficiaries will get access to healthcare provided under Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).
  • Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) beneficiaries will also able to avail the services in Employees'' State Insurance Corporation (ESIC) empanelled Hospitals.
  • Beneficiaries of Employees' State Insurance Corporation (ESIC) can use their ESIC card to access free treatment at Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) empanelled Hospitals.
  • Similarly, beneficiaries of Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) can use their AB PM-JAY card to access free treatment at Employees' State Insurance Corporation empanelled hospitals.

Relevant Links

• Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana Website.
• Ayushman Bharat-Pradhan Mantri Jan Arogya Online Application Link.
• Ayushman Vay Vandana Card Application Link.
• Ayushman Bharat-Health and Wellness Centre.
• Eligibility Check.
• Find Empanelled Hospital.
• National Health Portal.
• Employees' State Insurance Corporation.
• National Health Authority.
• Ministry of Health and Family Welfare.
• Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PM-JAY) APP.

Contact Information

• Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana Toll Free Number :-
  • 14555.
  • 14588.
  • 1800111565.
• Postal Address : 9th Floor, Tower-l,
  Jeevan Bharati Building, Connaught Place,
  New Delhi - 110001