What is Ayushman Bharat Scheme or (Pradhan Mantri Jan Arogya Yojana (PM-JAY)?

The Government of India is committed to ensuring highest possible level of health and well-being for all, through a preventive and promotive health care .

Features

• It is the world’s largest government-funded healthcare programme covering around 50 Crore beneficiaries.
• The Ayushman Bharat is a scheme that aims to provide health insurance to 10 crore families.
• The coverage will be Rs.5 lakh per year per family.
• 1,354 health packages are included in this scheme. Major treatments like coronary bypass, knee replacements and stenting would be provided at 15% to 20% cheaper rate than the Central Government Health Scheme.
• The scheme provides the cashless and paperless claim process.
• You can avail the benefits either in Government Hospitals or with listed private hospitals.
• The beneficiaries are identified based on the deprivation categories (D1, D2, D3, D4, D5 and D7). For urban areas, 11 occupational criteria will determine the eligibility.
• Here, family means no restriction on number of members or age.
  As of now, Aadhaar card is not mandatory. You just have to prove your identity through Aadhaar, Voter ID or Ration Card.
• Each empanelled hospital will have the “Ayushman Mitra Help Desk”, where the beneficiary can check the eligibility and enroll for the scheme.
• All beneficiaries will get the QR Code. This will help in identifying the beneficiary.

Beneficiary

• Government provides health insurance cover of up to Rs. 5,00,000 per family per year.
• More than 10.74 crore poor and vulnerable families (approximately 50 crore beneficiaries) covered across the country.
• All families listed in the SECC database as per defined criteria will be covered. No cap on family size and age of members.
• Priority to girl child, women and and senior citizens.
• Free treatment available at all public and empaneled private hospitals in times of need.
• Covers secondary and tertiary care hospitalization.
• 1,350 medical packages covering surgery, medical and day care treatments, cost of medicines and diagnostics.
• All pre-existing diseases covered. Hospitals cannot deny treatment.
• Cashless and paperless access to quality health care services.
• Hospitals will not be allowed to charge any additional money from beneficiaries for the treatment.

Eligible beneificiares can avail services across India, offering benefit of national portability. Can reach out for information, assistance, complaints and grievances to a 24X7 helpline number – 14555.

who is eligible for Ayushman Bharat Scheme?

urban

1) Households living on Only one room with kucha walls and kucha roof 2)No adult member between age 16 to 59 
3) Female headed households with no adult male member between age 16 to 59
4) Disabled member and no able-bodied adult member 
5)SC/ST households 
6) Landless households deriving major part of their income from manual casual
labour 

Rural

1)Households without shelter
2)Destitute/ living on alms
3)Manual scavenger families
4)Primitive tribal groups
5) Legally released bonded labour
For Urban:
6) Occupational Categories of Workers
7) Rag picker
8) Beggar
9) Domestic worker
10) Street vendor/ Cobbler/hawker / Other service provider working on streets
11) Construction worker/ Plumber/ Mason/ Labour/ Painter/ Welder/ Security
guard/
12) Coolie and another head-load worker
13)Sweeper/ Sanitation worker / Mali
14)Home-based worker/ Artisan/ Handicrafts worker / Tailor
15) Transport worker/ Driver/ Conductor/ Helper to drivers and conductors/ Cart
16)puller/ Rickshaw puller
17) Shop worker/ Assistant/ Peon in small establishment/ 18)Helper/Delivery assistant /
19)Attendant/ Waiter
20) Electrician/ Mechanic/ Assembler/ Repair worker
21) Washer-man/ Chowkidar

Eligibility for Ayushman Bharat – How to check it online?

Now let us understand the process of checking the eligibility for Ayushman Bharat Scheme.

Step 1-On the landing page of AM I Eligible Portal, you have to enter an active mobile number (to receive an OTP) and enter the Captcha letters displaying on the screen and click on the “Generate OTP” button. After this, you will receive an OTP as a text message on the mobile number entered. You have to enter this OTP and click on “Verify OTP” which directs to a page to enter the details for search.