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Health contingencies do not distinguish between the rich and the poor. Everyone is equally vulnerable to medical exigencies, some more than others. It depends on your daily habits and lifestyle; the foods you consume, your vices and more. Hence, in order to safeguard every citizen of the nation, the government of India has introduced Ayushman Bharat Yojana. This programme was launched with a vision to achieve universal health coverage. The Ayushman Bharat scheme aims for sustainable development with its underlying commitment to leave no one behind . Ayushman Bharat Yojana attempts to change sectoral and segmented to a comprehensive need-based approach. There are two components of the Ayushman Bharat Yojana -
ভারত সরকার বিদ্যমান সাব-সেন্টার এবং প্রাথমিক স্বাস্থ্য কেন্দ্রগুলিকে হেলথ এবং ওয়েলনেস সেন্টারে রূপান্তরিত করেছে 2018 সালের ফেব্রুয়ারিতে. এর প্রাথমিক উদ্দেশ্য হল স্বাস্থ্য পরিষেবাকে জনগণের কাছে নিয়ে আসা এবং গরিব মানুষদের কাছে তাকে আরও বেশি অ্যাক্সেসযোগ্য করে তোলা. এই সেন্টারগুলির মূল লক্ষ্য হল সন্তান প্রসব এবং তার পাশাপাশি শিশু স্বাস্থ্য পরিষেবা প্রদান করা এবং তার পাশাপাশি বিনামূল্যে রোগ নির্ণয় ও জরুরি ওষুধের মতো পরিষেবা প্রদান করা.
Ayushman Bharat, also known as Pradhan Mantri Jan Arogya Yojana (PMJAY), is India s flagship healthcare scheme launched by Prime Minister Narendra Modi on September 23, 2018. Recognised as the world s largest government-funded health insurance program, it targets over 50 crore citizens from economically disadvantaged backgrounds. Ayushman health insurance offers coverage of up to INR 5 lakh per family per year for secondary and tertiary care, ensuring access to both private and public hospitals. The scheme covers hospitalisation expenses and ensures a cashless, paperless experience for beneficiaries. Aimed at providing financial protection against high medical costs, Pradhan Mantri health insurance is a key initiative to improve healthcare access for the underprivileged, transforming India s healthcare landscape.
The Ayushman Bharat Yojana comes with several features that set it apart from traditional healthcare programs. Some of the prominent features include:
While regular health insurance plans are designed to cater to a wide range of individuals, Pradhan Mantri health insurance specifically targets the economically weaker sections of society. Traditional health insurance plans often require policyholders to pay premiums, have exclusions for pre-existing conditions, and may involve long waiting periods for claims. In contrast, PMJAY is a government-funded scheme with no premiums and immediate coverage for pre-existing conditions. Additionally, health insurance Ayushman Bharat has a higher coverage amount for families, providing up to INR 5 lakh per year for healthcare needs, including surgery, diagnostics, and critical care.
যদিও আয়ুষ্মান ভারত স্কিমটির লক্ষ্য হল দশ কোটিরও বেশি পরিবারের সুবিধা যা 50 কোটিরও বেশি ব্যক্তির হিসেবে গণ্য হয়, তবে শহুরে এবং গ্রামীণ জনসংখ্যার জন্য বিভিন্ন মানদণ্ড রয়েছে.
গ্রামীণ অঞ্চলে স্বাস্থ্যসেবা সুবিধাগুলির জন্য প্রাথমিক উদ্বেগ হল অ্যাক্সেসযোগ্যতা যা চিকিৎসা সংক্রান্ত স্বাস্থ্যসেবার ক্রমবর্ধমান খরচের সাথে বৃদ্ধি পায়. প্রায়শই দেখা যায় যে মানুষ ভালো চিকিৎসার বিল দিতে গিয়ে ঋণে জর্জরিত হয়ে যায়. পিএমজেএওয়াই গ্রামীণ অঞ্চলে নিম্নলিখিত ধরনের মানুষের জন্য উপলব্ধ -
With a ? 5 lakh insurance cover per family, the Ayushman Bharat scheme shall benefit the following category of people in the urban regions -
উপরেরগুলির পাশাপাশি, রাষ্ট্রীয় স্বাস্থ্য বীমা যোজনা (আরএসবিওয়আই)-এর অধীনে অন্তর্ভুক্ত পরিবারগুলিকেও এই স্কিমের অধীনে কভার করা হবে. এছাড়াও পড়ুন: ভারতে সরকারী ইনস্যুরেন্স স্কিমগুলি
While Ayushman Bharat Yojana aims to provide health insurance coverage to the most vulnerable sections of society, individuals from higher-income households or those who do not meet the specific eligibility criteria may not qualify for the scheme. For instance, families that own luxury goods, have higher annual income levels or belong to the wealthier categories of society might not be eligible.
Ayushman Bharat Yojana covers a wide range of healthcare services, including:
নিম্নলিখিত ব্যক্তি বা পরিবারগুলিকে পিএমজেএওয়াই থেকে বাদ দেওয়া হবে -
Prime minister's health insurance scheme includes a broad list of critical illnesses, such as:
The enrollment process for the Ayushman Bharat insurance registration is simple and straightforward. There is no need for a formal application. Eligible beneficiaries are selected through a government database based on socio-economic status. To check eligibility:
To apply for Pradhan Mantri medical insurance, you will need to provide the following documents:
Ayushman Bharat health insurance apply online by following these steps:
To download your Ayushman Bharat health insurance card online:
To check your eligibility for the Ayushman Bharat Yojana:
Some of the most common treatments covered under the Ayushman Bharat health insurance scheme include:
Once a beneficiary is enrolled in Pradhan Mantri Jan Arogya Yojana (PMJAY), they can avail cashless treatment at any of the empanelled public or private hospitals. The beneficiary needs to present their PMJAY card at the time of hospitalisation, and the treatment costs will be covered under the scheme. No payment is required from the beneficiary at the time of admission or discharge, as the scheme ensures seamless reimbursement.
To find the list of empanelled hospitals under Ayushman Bharat Yojana, visit the official website of PMJAY:
There is no specific income limit set for Ayushman Bharat beneficiaries. The scheme is aimed at providing health coverage to economically weaker sections of society. Families are selected based on socio-economic data gathered by the Socio-Economic Caste Census (SECC) and other eligibility criteria rather than income thresholds.
Ayushman Bharat health insurance card apply online includes proof of income can be provided through various documents that validate the economic status of the family. Common documents include an income certificate issued by government authorities, a ration card that specifies family details, or other documents such as landholding papers, which indicate socio-economic status.
Yes, the Ayushman Bharat card is valid for all family members listed in the application. Once registered, the entire family can avail the benefits of the Ayushman Bharat health insurance scheme, which covers secondary and tertiary care for each eligible member. It ensures comprehensive healthcare coverage for everyone in the family.
Yes, the Ayushman Bharat health insurance card can be used in empanelled private hospitals for cashless treatment. The scheme provides beneficiaries with access to both public and private healthcare facilities that are part of the PMJAY network, ensuring that beneficiaries can receive treatment at high-quality hospitals without any financial burden.
No, Ayushman Bharat is not free for everyone. The scheme is specifically designed to assist economically weaker sections of society. It provides free health insurance to families identified under the Socio-Economic Caste Census (SECC). It is aimed at providing financial protection to underprivileged families who struggle to afford quality healthcare services.
Yes, Pradhan Mantri Jan Arogya Yojana (PMJAY) applications can be processed offline. Eligible individuals can visit Common Service Centres (CSCs) or approach empanelled hospitals for offline registration. The process involves submitting the necessary documents, such as an Aadhaar card and income certificate, and receiving assistance in filling out the forms for eligibility determination.
No, there is no premium required for participating in the Ayushman Bharat health insurance scheme. Since PMJAY is a government-funded scheme, beneficiaries do not need to pay any premium fees. The scheme is financed by the Government of India and provides free healthcare coverage for eligible families, ensuring that financial constraints do not hinder access to medical treatment.
To update your data in PMJAY, you can visit your nearest Common Service Centre (CSC). These centres can assist with updating personal details like address, mobile number, or family information. Alternatively, you can also contact the PMJAY helpline at 1800-111-565 or 14555 for guidance on updating your details through official channels.
Yes, Ayushman Bharat covers individuals above the age of 80 years. There are no age restrictions for eligibility under the PMJAY scheme. It provides coverage for senior citizens, irrespective of their age, ensuring that the elderly also have access to medical services, including secondary and tertiary care, at empanelled hospitals nationwide.
Yes, Ayushman Bharat health insurance covers a wide range of orthopaedic treatments, including surgical procedures. This includes treatments for fractures, joint replacements, and other orthopaedic conditions. Beneficiaries can avail of cashless treatment for orthopaedic surgeries at empanelled private and public hospitals under the PMJAY scheme.
Yes, PMJAY covers pre-existing diseases from day one of enrollment. The scheme ensures that beneficiaries with pre-existing medical conditions are eligible for treatment. Whether it s diabetes, hypertension, or any other chronic illness, Ayushman Bharat health insurance covers the cost of treatment for these conditions from the moment you join the scheme, with no waiting period.
To find your Household ID number (HHD) for PMJAY, you can check your ration card or refer to the PMJAY website. The HHD number is a unique 25-character code that identifies households eligible for the scheme. You can also visit Common Service Centres (CSCs) to get assistance in retrieving your Household ID number for registering or checking eligibility. *নিয়ম এবং শর্তাবলী প্রযোজ্য ইনস্যুরেন্স হল একটি আগ্রহের বিষয়. লাভ, বাদের তালিকা, সীমাবদ্ধতা, নিয়ম এবং শর্তাবলী সম্পর্কে আরও বিস্তারিত তথ্যের জন্য, অনুগ্রহ করে সেলস সম্পন্ন করার আগে বিক্রয় সম্পর্কিত ব্রোশিওর/পলিসির শব্দাবলী সাবধানে পড়ুন. ***অস্বীকারোক্তি: এই পেজের বিষয়বস্তু জেনেরিক এবং শুধুমাত্র তথ্যমূলক এবং ব্যাখ্যামূলক উদ্দেশ্যে শেয়ার করা হয়. এটি ইন্টারনেটের বিভিন্ন মাধ্যমিক উৎসের উপর ভিত্তি করে এবং পরিবর্তন সাপেক্ষ. কোন সম্পর্কিত সিদ্ধান্ত নেওয়ার আগে অনুগ্রহ করে একজন বিশেষজ্ঞর সাথে যোগাযোগ করুন.
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