Pradhan Mantri Ayushman Bharat Yojana

ayushman bharat yojna

Pradhan Mantri Ayushman Bharat Yojana, also known as Ayushman Bharat Yojana, is a healthcare initiative of the Government of India. It aims to provide financial security to more than 50 crore economically weaker citizens. Under this scheme, eligible individuals can avail health insurance coverage of up to ₹5 lakh per family per year, which covers medical expenses for secondary and tertiary health services. The scheme focuses on reducing out-of-pocket expenses for health care, especially for people living below the poverty line. Which helps them get the treatment they need without worrying about breaking the bank. It also includes initiatives to strengthen health care infrastructure and improve the quality of health services across India.

Benefits of Pradhan Mantri Ayushman Bharat Yojana

  • Free health insurance coverage of up to ₹5 lakhs per family per year
  • Covers hospitalization costs for a wide range of secondary and tertiary care procedures
  • Cashless treatment at empanelled government and private hospitals across the country
  • No co-payment or deductibles
  • Coverage for pre- and post-hospitalization expenses
  • Free drugs and consumables within the hospital
  • Transportation costs up to ₹1000
  • No room rent charges
  • Free diagnostics
  • Attendant’s charges up to ₹500 per day

Eligibility for PM-JAY

  • Families with an annual income of up to ₹1 lakh
  • SC/ST households
  • AWC/Aanganwadi beneficiaries
  • PRIs (Panchayati Raj Institutions) members
  • Health card holders under state-sponsored schemes
  • Asha workers
  • Migrant workers
  • Beggars and destitute

How to Avail PM-JAY Benefits

  • Eligible beneficiaries can apply for PM-JAY by visiting the Digital India portal.
  • Once their application is approved they will be issued Ayushman Bharat Card
  • To avail the benefits, beneficiaries can show their Ayushman Bharat card at any empaneled hospital

Impact of PM-JAY

  • PM-JAY has provided relief to millions of poor families in India
  • This helps in reducing health care expenses
  • It has improved access to quality healthcare for the poor
  • It has contributed to the achievement of Universal Health Coverage (UHC) in India
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