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Ayushman Bharat Card 5 Lakh & 10 Lakh Coverage: Who is Eligible?

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Introduction The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)is India’s largest health insurance scheme, providing free medical coverage to economically vulnerable families. Initially, the scheme offeredRs. 5 lakh per family per year, but several states have extended the coverage up to Rs. 10 lakhunder their respective health schemes.

This guide explains who is eligible for Rs. 5 lakh and Rs. 10 lakh coverage, how to check eligibility, and the application process.

Ayushman Bharat Rs. 5 Lakh Coverage

Under the Central Government’s Ayushman Bharat PM-JAY Scheme, every eligible family gets up to Rs. 5 lakh per year for secondary and tertiary healthcare services.

Who is Eligible for Rs. 5 Lakh Coverage?

Eligibility for the PM-JAY Rs. 5 lakh coverage is based on Socio-Economic Caste Census (SECC) 2011 data.

Rural Beneficiaries

  • Families with no adult male aged 16-59.
  • Families with disabled members and no able-bodied adult.
  • Landless households earning daily wages.
  • Families living in kutcha houses (temporary structures).
  • Scheduled Caste (SC) and Scheduled Tribe (ST) families.

Urban Beneficiaries

  • Street vendors, rickshaw pullers, and construction workers.
  • Domestic workers, sanitation workers.
  • Shop workers, artisans, and mechanics.

To check eligibility, visit https://pmjay.gov.in and enter your mobile or Aadhaar number.

Ayushman Bharat Rs. 10 Lakh Coverage

Some state governments have enhanced the Ayushman Bharat PM-JAY scheme, increasing coverage to Rs. 10 lakh per year. The eligibility criteria remain similar but with added benefits.

States Offering Rs. 10 Lakh Ayushman Coverage

  1. Rajasthan – Chief Minister Chiranjeevi Health Insurance Scheme
  2. Chhattisgarh – Dr. Khubchand Baghel Health Assistance Scheme
  3. Tamil Nadu – Chief Minister Comprehensive Health Insurance Scheme (CMCHIS)
  4. Madhya Pradesh – Ayushman Bharat Mukhyamantri Yojana
  5. Bihar – Ayushman Plus Scheme

Who is Eligible for Rs. 10 Lakh Coverage?

  • Residents of the above states enrolled in their respective state health insurance programs.
  • BPL (Below Poverty Line) families included in SECC 2011 data.
  • Migrant workers returning to their home states.
  • Families registered under National Food Security Act (NFSA).

To apply, visit the state-specific Ayushman Bharat portal or contact the nearest Common Service Center (CSC).

Benefits of Ayushman Bharat 5 Lakh & 10 Lakh Coverage

  • Cashless Treatment: Access to over 25,000 empaneled hospitals across India.
  • No Age or Family Size Limit: Coverage extends to all family members.
  • Covers Pre-existing Diseases: From day one of enrollment.
  • Includes Major Surgeries: Heart surgery, cancer treatment, kidney transplants, etc.
  • Covers Day Care Procedures: Dialysis, chemotherapy, and more.

How to Apply for Ayushman Bharat Card?

Step-by-Step Process

  1. Check Your Eligibility at https://pmjay.gov.in.
  2. Visit the Nearest CSC Center for document verification.
  3. Provide Required Documents:
    • Aadhaar Card
    • Ration Card
    • Mobile Number
    • Income Certificate (for state schemes)
  4. Download Ayushman Bharat Card from the official website after approval.

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Conclusion

The Ayushman Bharat PM-JAY scheme provides Rs. 5 lakh coverage to eligible families across India, while some states offer Rs. 10 lakh under expanded health insurance programs. If you are eligible, apply for your Ayushman Bharat Card today and secure free healthcare benefits for your family!

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