The Pradhan Mantri Ayushman Bharat Yojana, also known as the Ayushman Bharat Scheme, is a flagship healthcare scheme launched by the Government of India.
The scheme aims to provide financial protection and quality healthcare services to underprivileged citizens of the country. In this blog, we will discuss the features and benefits of the Pradhan Mantri Ayushman Bharat Yojana.
Features of the Ayushman Bharat Scheme
- Health Insurance: The Ayushman Bharat Scheme provides health insurance coverage of up to Rs. 5 lakhs for secondary and tertiary healthcare per household annually.
- Cashless Treatment: The scheme provides cashless treatment at empanelled hospitals for beneficiaries holding an Ayushman Bharat card.
- No Limit on Family Size: The scheme covers families, not individuals. There is no limit on family size, and all family members are covered under the scheme.
- No Upper Age Limit: The scheme does not have an upper age limit, and all eligible beneficiaries are covered regardless of their age.
- Pre-existing Diseases Covered: The scheme covers pre-existing diseases, and beneficiaries are not required to disclose their medical history during the enrolment process.
- No Restriction on the Type of Disease: The scheme covers all illnesses, diseases, and medical conditions, including cancer and heart diseases.
- No Cap on Hospital Expenses: The scheme does not impose any cap on hospital expenses, ensuring that beneficiaries receive the best possible treatment.
Benefits of the Ayushman Bharat Scheme
- Financial Protection: The Ayushman Bharat Scheme provides financial protection to underprivileged families by covering the cost of hospitalization and medical treatment.
- Improved Access to Healthcare: The scheme aims to improve access to healthcare services, particularly for underprivileged sections of society who may not have been able to afford healthcare services otherwise.
- Reduction in Out-of-Pocket Expenditure: The scheme aims to reduce the out-of-pocket expenditure incurred by families on healthcare services, which can lead to financial distress.
- Cashless Treatment: The scheme provides cashless treatment at empanelled hospitals, ensuring beneficiaries receive timely and hassle-free treatment.
- Quality Healthcare Services: The scheme encourages empanelled hospitals to maintain certain standards and guidelines set by the National Health Authority (NHA). This leads to an improvement in the quality of healthcare services provided by these hospitals.
- Increased Awareness of Healthcare: The Ayushman Bharat Scheme aims to increase awareness of healthcare and the importance of seeking timely medical treatment.
How to do Ayushman Card Online registration?
- Check Eligibility: The first step is to determine eligibility for the Ayushman Bharat Yojana. The scheme covers families who are identified as deprived, socio-economically backward, and vulnerable based on the Socio-Economic Caste Census (SECC) database. You can check your eligibility on the official PMJAY website or by visiting a nearby Ayushman Mitra kiosk.
- Enrolment: If you are eligible, you can enroll for the Ayushman Bharat Yojana by visiting the official PMJAY website or a nearby Ayushman Mitra kiosk. You must provide your Aadhaar number, mobile number, and other basic details to complete the enrolment process.
- Verification: Once you have done Ayushman Bharat registration, your details will be verified against the SECC database. If your details are found to be correct, you will receive an Ayushman Bharat card, also known as a Golden Card, which will contain your details, including your name, photograph, and other details.
- Availing Benefits: Once you have received your Ayushman Bharat card, you can avail of the scheme’s benefits by visiting any empanelled hospital. Present your Ayushman Bharat card at the hospital to receive cashless treatment for up to Rs. 5 lakhs.
- Renewal: The Ayushman Bharat card is valid for one year from the date of issuance. You can renew your card by visiting the official PMJAY website or a nearby Ayushman Mitra kiosk.
To sum it up:
The scheme provides financial protection and quality healthcare services to underprivileged citizens of the country.
The features and benefits of the Ayushman Bharat Scheme make it a game-changer in the healthcare industry, and it has the potential to improve access to healthcare services and Provide financial security for those families who are struggling to make ends meet.
The scheme has already benefited millions of families across the country, and with the continued support of the government and healthcare providers, it has the potential to create a healthier and happier India.
