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Health Insurance vs Ayushman Bharat PVC Card: Understanding the Differences

Health Insurance vs Ayushman Bharat PVC Card: Understanding the Differences

In today’s world, healthcare costs are rising, and ensuring access to quality medical services has become a priority for individuals and governments alike. In India, the government has taken steps to address this issue by introducing initiatives such as Ayushman Bharat and encouraging citizens to opt for health insurance plans. This article aims to provide a detailed comparison between health insurance and the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) PVC card, highlighting their differences and helping readers make informed decisions.

  • Understanding Health Insurance:

Health insurance is a contractual agreement between an individual and an insurance provider, wherein the insurer agrees to bear the insured person’s medical expenses, subject to the terms and conditions of the policy. Here are some key aspects of health insurance:

a. Coverage:

Health insurance policies offer coverage for various medical expenses, including hospitalization, doctor consultations, diagnostic tests, surgeries, and medication, among others. The coverage depends on the specific policy and the premium paid.

b. Premiums and Deductibles:

Policyholders pay regular premiums to the insurance company to maintain coverage. Additionally, some policies may require individuals to pay a deductible amount before the insurance coverage kicks in.

c. Network of Hospitals:

Insurance providers often have tie-ups with a network of hospitals, clinics, and healthcare providers. These tie-ups ensure cashless treatment for policyholders at the network facilities, making healthcare more accessible and affordable.

d. Customization:

Health insurance policies offer flexibility, allowing individuals to choose the coverage that suits their needs. One can opt for individual plans, family floater plans, or critical illness plans, among others, depending on their requirements.

  • Introduction to Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY):

Ayushman Bharat PMJAY, also known as the National Health Protection Scheme, is a government-sponsored health insurance scheme launched in 2018. Here are the key aspects of the AB-PMJAY PVC card:

a. Eligibility:

AB-PMJAY aims to provide health insurance coverage to economically disadvantaged families in India. The eligibility is based on socio-economic and deprivation criteria defined by the government.

b. Coverage:

AB-PMJAY provides coverage of up to INR 5 lakhs per family per year for secondary and tertiary healthcare. The coverage includes medical expenses related to hospitalization, surgeries, pre- and post-hospitalization care, diagnostics, and medication, among others.

c. Cashless Treat`ment:

AB-PMJAY beneficiaries can avail cashless treatment at any empaneled public or private hospital across the country. The treatment expenses are directly settled by the government to the hospital.

d. No Premium:

Unlike traditional health insurance plans, AB-PMJAY does not require beneficiaries to pay any premium. The scheme is fully funded by the government.

  • Key Differences between Health Insurance and AB-PMJAY PVC Card:

a. Coverage and Eligibility:

Health insurance policies are available for individuals and families across income groups. The coverage amount varies based on the premium paid and the policy selected. In contrast, AB-PMJAY targets economically disadvantaged families, providing coverage up to INR 5 lakhs per family per year.

b. Premium and Cost:

Health insurance policies require payment of regular premiums, which can vary based on factors such as age, pre-existing conditions, and coverage. AB-PMJAY, on the other hand, is fully funded by the government, and eligible beneficiaries do not have to pay any premium.

c. Network of Hospitals:

Health insurance policies have tie-ups with specific network hospitals, offering cashless treatment. AB-PMJAY, on the other hand, allows beneficiaries to access treatment at any empaneled public or private hospital across India.

d. Portability:

Health insurance policies offer portability, allowing individuals to switch between insurance providers while retaining their policy benefits. AB-PMJAY is not portable, and beneficiaries can avail treatment only through the empaneled hospitals.

e. Customization and Additional Coverage:

Health insurance policies offer customization options, enabling individuals to choose plans that align with their specific needs. They may also provide coverage for outpatient care, maternity benefits, and critical illness, which are not covered under AB-PMJAY.


Both health insurance and the Ayushman Bharat PVC card (AB-PMJAY) aim to provide financial protection against medical expenses. Health insurance offers comprehensive coverage and customization options but requires payment of regular premiums. AB-PMJAY, on the other hand, targets economically disadvantaged families, providing cashless treatment without any premium. Understanding the differences between these options can help individuals make an informed decision about the type of coverage that best suits their requirements.


What types of cards do you offer?

We offer PVC card printing services for a wide range of documents, including Driving licenses, RC books, ration cards, health cards, PAN cards, ID cards, and more. Simply let us know what you would like to print on a PVC card, and we will do our best to accommodate your needs.

What materials do you use for printing?

We use high-quality PVC sheets imported from trusted sources for all of our card printing. This ensures that your cards will be durable and long-lasting.

Can I customize my cards?

Yes, you can customize your cards with your own design or text. However, please note that we do not edit any government ID documents that are used for identification purposes, such as driving licenses, Any PVC Card PAN cards, and other government IDs

What is the turnaround time for orders?

Our standard turnaround time for orders is 8-10 business days, including 1-2 days for printing and the transit time of the carrier. We offer a range of shipping options at different price points, including registered post, semi-express, express, and Bluedart. Delivery times may vary depending on the carrier and are beyond our control. Please see the following table for shipping options and estimated delivery times:

Shipping Option Price Estimated Delivery Time
Registered Post INR 40 8-10 business days
Speed Post INR 60 6-7 business days
DTDC INR 100 4-6 business days
Bluedart INR 200 2-4 business days

How do I place an order?

To place an order, simply follow these steps:

  1. Go to the product page on our website and click on the “Upload” section.
  2. Upload an image of the front and back sides of your card in PDF, JPEG, or PNG format. If you have a single file that contains both the front and back sides, you can upload it in the “Front” field and we will automatically separate the front and back sides for you. If your file is password-protected, be sure to include the password in the designated field.
  3. Click the “Add to Cart” button to add your order to your cart.
  4. Follow the prompts to complete the checkout process and submit your order.

What is your return policy?

As we offer printing services, we are unable to accept returns or issue refunds. We recommend double-checking your files before uploading them to ensure that they are correct. If you need to make changes to your file after uploading it, please contact our support team immediately. We may be able to exchange your file before it is printed, but this will incur additional charges. Please note that once a card has been printed, we are unable to make any changes or exchanges

How do I track my order?

Yes, you can track your order by using the tracking number provided to you. We will send you a photo of your card and the tracking information via WhatsApp to the number you registered with us, as well as via email to the address you registered with us. You can then use the tracking number to track your order on the carrier’s official website. If you have any difficulty tracking your order, please don’t hesitate to contact us for assistance.

Do you offer bulk discounts?

Yes, we do offer bulk discounts for orders of a certain minimum quantity (MOQ). For more information on our bulk discount rates and to place a bulk order, please contact our support team.

How do I contact customer support?

You can reach our customer support team through the following channels:

  • Phone: Call 8668469325 or 9284608837. If you are unable to connect or do not receive a response, we will call you back as soon as possible.
  • WhatsApp: Chat with us at 8668469325. Please note that we do not accept voice or video calls on WhatsApp.
  • Email: Send us an email at and we will get back to you as soon as possible.
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