August 12, 2021

Ayushman Bharat Yojana -(PMJAY-Pradhan Mantri Jan Arogya Yojana) is the World’s biggest medical coverage conspire that gives medical coverage in front of Rs 5 lacs to every Indian family who is qualified.

The primary aim of the PMJAY scheme is to provide health coverage to approximately 50 crore citizens of India. Moreover, it offers beneficiaries an average coverage amount of Rs. 5 Lakh. This covers a majority of diagnostics, medicines, pre-hospitalization costs, and medical treatment expenses. In addition to this, the cashless, as well as paperless services, work in the favor of the nominees at any given point of time in their lives.

PMJAY Scheme makes quality healthcare accessible to the poorest of poor families in India. Hence, the benefits offered by this health plan are massive. Take a look at these PMJAY benefits provided to every needy family:

The plan takes into account almost 50 crore recipients and also gives them admittance to tertiary and optional consideration hospitalization; which is 40% of the Indian poor and weak families.

Ayushman Bharat Yojana or PMJAY-Pradhan Mantri Jan Arogya Yojana qualification is separated among the families in both provincial and also metropolitan regions, which are sorted dependent on the word related and hardship rules of Socioeconomic Caste Census 2011.

Key Features of Ayushman Bharat Yojana or PMJAY-Pradhan Mantri Jan Arogya Yojana Scheme?

  • It is the world’s largest medical insurance scheme that is financed by the Govt. of India
  • It covers close to 1,393 procedures including the treatment cost, room charges, doctor’s fees, operation theatre, ICU, diagnostic services, surgeon charges, etc.
  • 3 days of pre-hospitalization cover is for 3 days and also post-hospitalization cover is for 15 days including medicines and diagnostics
  • The coverage amount is up to Rs 5 Lakh
  • It covers Both secondary and tertiary care hospitalization
  • Hospitalization cover across private and public panel hospitals in India
  • It offers  Cashless hospitalization cover  to the beneficiaries
  • The scheme does not put a restriction on age, family size, and gender
  • It covers pre-existing diseases from day one
  • Benefits of the scheme are available PAN India; so you can avail of cashless treatment in any of the impaneled public or private hospitals in India

Eligibility criteria

  • AB-PMJAY is an entitlement-based scheme with entitlement decided on the basis of deprivation criteria in the SECC database.
  • The different categories in rural and urban areas include
    1. Families having only one room with kucha walls and also kucha roof;
    2. Families having no adult member between age 16 to 59;
    3. Female-headed households but with no adult male member between age 16 to 59;
    4. Disabled member and no able-bodied adult member in the family;
    5. SC/ST households;
    6. Landless households deriving a major part of their income from manual casual labour,
    7. Families in rural areas having any one of the following: households without shelter, destitute, living on alms, manual scavenger families, primitive tribal groups, legally released bonded labour.
    8. For urban areas, 11 defined occupational categories are entitled under the scheme – Occupational Categories of Workers, Rag picker, Beggar, Domestic worker, Street vendor/ Cobbler/hawker / Other service provider working on streets, Construction worker/ Plumber/ Mason/ Labour/ Painter/ Welder/ Security guard/, Coolie and another head-load worker, Sweeper/ Sanitation worker / Mali, Home-based worker/ Artisan/ Handicrafts worker / Tailor, Transport worker/ Driver/ Conductor/ Helper to drivers and conductors/ Cart puller/ Rickshaw puller, Shop worker/ Assistant/ Peon in small establishment/ Helper/Delivery assistant / Attendant/ Waiter, Electrician/ Mechanic/ Assembler/ Repair worker, Washerman/ Chowkidar.

As per the SECC 2011, the following beneficiaries are automatically excluded

  • Households having motorized 2/3/4 wheeler/fishing boat
  • The Households  having mechanized 3/4 wheeler agricultural equipment
  • Households having Kisan Credit Card with a credit limit above Rs. 50,000/ –
  • A household member is a government employee
  • Households with non – agricultural enterprises registered with the government
  • Any member of household earning more than Rs. 10,000/ – per month
  • Households paying income tax
  • Households that paying professional tax
  • House with three or more rooms with pucca walls and roof
  • Owns a refrigerator
  • Has a landline phone
  • Owns more than 2.5 acres of irrigated land with 1 irrigation equipment
  • Has 5 acres or more of irrigated land for two or more crop season
  • Owning at least 7.5 acres of land or more with at least one irrigation equipment

Compare all arrangements with and pick the most appropriate Life protection for yourself.

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