PMJAY scheme was introduced on 23rd September 2018 and till 2019

The PMJAY scheme was introduced on 23^rd September 2018 and till 2019, it has succeeded in its objective. The main aim was to cover around 10 cr. Families staying in India, who can avail the scheme and its services for their healthcare problems. The scheme is made cashless and the coverage starts from 3 days before hospitalization till 15 days after hospitalization of the patient. One has to have an E-card to avail the services of the scheme and once they have it, they are eligible to avail all the schemes that fall under the umbrella of PMJAY scheme all over India. This E-card is not just a card, it holds great importance and also provides around Rs.5 lakhs per family, who cannot afford a good treatment in any of the approved hospitals or any other places.

Eligibility Criteria of the PMJAY Scheme

The main target segment of this scheme is the segment of the society, that comprises of those who are economically not so sound and cannot avail good healthcare treatments at all. The people who are mostly poor and falls in the BPL sector, mostly in the rural and urban places, shall avail this scheme to get good medical treatment. But it is said that the people living in the urban areas might afford a good treatment but the people staying in villages, might not. But at the same time, it is seen that people living in urban areas neglect taking up healthcare schemes like mediclaim or any other health insurances, thus, they suffer at the end. So, there are few criteria set from the Government itself for both the segments of the society saying who all can avail the PMJAY scheme, after fulfilling the eligibility criteria.

In Rural Areas

People who belong to SC, ST & OBC categories will get special preference
People, whose livelihood is dependent on begging
The tribal segment of the society
Houses with all senior citizens
Houses without male members, or if present, then is above 60 years.
Houses having handicapped members or a single handicapped member
People who lead their livelihood as labourers or belongs to the working class
People having houses that are not well built and lack proper walls or roofs

In Urban Areas

People who belong to the working class
People who are security guards or night guards
People who are sweepers, garbage pickers
People who work for domestic purposes such as caretaker or maids
Plumbers, mechanics, welders, gardeners, cobblers, electricians are also eligible
Even the shopkeepers, retailers, home delivery service providers, drivers & conductors, drivers of other conveyances
People who do small handicrafts

These are the factors that denote Ayushman Bharat Yojana eligibility, and if anyone fails to abide or fulfill the above-mentioned points, then they cannot avail the services.

The services that fall under PMJAY scheme

Let’s discuss the healthcare services that fall under the umbrella of this scheme so that you can get a clear idea of the whole. The scheme includes:

Disease identification, diagnosis of the same finally the treatment and also the fee for consultation
Around 1000 diseases, along with critical surgeries and transplantations
Financial support before hospitalization
Financial support after hospitalization till 15 days
Hospital beds and medicinal expenses
ICU and general services
Charges for any complications
Charges for the food

How to apply for the PMJAY scheme?

Everyone who will fulfill the eligibility criteria of availing the scheme can easily register for the same. The process of Ayushman Bharat Yojana registration is quite easy and hassle-free, just follow the simple steps below.

You have to visit the PMJAY website to proceed further towards the application process
A page with lots of services and options will open (shown below)
You have to then select the option “Am I eligible” from the right up corner
Once you select that option another page will open (shown below)
Then you have to enter the left- hand side details and generate an OTP
Then you have to enter the details like name of the state, mobile number and few other necessary details
After filling in all the necessary details, if you see your name as a result, then you can avail the scheme.

What are the documents required for the application of PMJAY scheme?

The mandatory documents required for the application of the PMJAY scheme are:

Identity proofs
PAN and AADHAR card is a must
Address proofs
A valid age proof
Details of contact
A certificate that shows the income of the family
Certificate of caste
Proof of family structure

How to get the Ayushman Bharat Yojana card?

The Ayushman Bharat Yojana card or e-card is introduced to make the process of availing the PMJAY scheme from the empanelled hospitals in a hassle-free way. If you are away from your city or town but are within the country, you can easily avail the services if you have the Ayushman Bharat Yojana card with you.

After you visit the official website of Ayushman Bharat Yojana and check your eligibility and also you have got the list of the hospitals empanelled within it, you have to

Visit the common service centre or any PMJAY service centre near you
Carry your ration and Aadhar card for identification
Once the verification is completed your e-card or Ayushman Bharat Yojana card will be printed
You may also get information from PMJAY customer care helpline number is 14555 or 1800-111-565.

How to get the Ayushman Bharat Yojana app?

Digitalization has engulfed us in both a positive and negative way. Everyone is now familiar with different mobile phone applications and also enjoy the services and benefits. Similarly, to make the lives of the people easier, the Government of India has introduced the Ayushman Bharat Yojana app.

One can get information and avail all the services online through this app in just a few seconds.
The application is available in all smartphones and one can easily download it from Google Play store
One has to log in with the necessary details and then get to avail the services like:
Checking their eligibility
Nearby hospitals and ambulances
E-card centres
Get emergency help and much more

What are the main benefits of Ayushman Bharat Yojana?

The scheme of healthcare was introduced by the Government of India to treat 10Cr. families in the best way possible, since they cannot afford one. The PMJAY scheme comes with a handful of benefits like:

Treatment and healthcare services of the scheme can be availed from any part of the country.
The scheme provides services from more than 1000 hospitals that involve critical surgeries and transplantations.
Before and after hospitalization charges are included.
If one has to go through multiple surgeries, then around 50% will be covered for the 2^nd and 25% will be covered for the 3^rd
After treatment services can be availed as well.
Cancer patients undergoing chemotherapy can also avail the service.
There is a provision of treatment for almost 40 cancer types under the scheme.

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Q. How will I know that I am eligible for the scheme?

It’s easy, first, you have to identify whether you are from an urban or rural area, then based on that you have to check the eligibility criteria of the scheme.
You can also check it online from the website and once you fill in the necessary details, you will know.

Q. What treatments are covered in this scheme?

More than 1000 medical treatments are covered in this scheme, even if it requires critical surgery. Treatments of more than 40 types of cancer can be availed.

Q. How will I know that my state hospital is in the list of beneficiaries?

You can check it online, click here, check, whether your state hospital or any nearby hospital is empanelled in the Ayushman Bharat Yojana list or not.