What is Ayushman Bharat Card? A Complete Guide

IntroductionAyushman Bharat Card, also known as the Pradhan Mantri Jan Arogya Yojana (PM-JAY) card, is a government-backed health insurance initiative aimed at providing financial protection to economically vulnerable families in India. This scheme offers free healthcare services up to Rs. 5 lakh per family per year for secondary and tertiary hospitalizations.

Key Features of Ayushman Bharat Card

1. Coverage Amount: Provides cashless health coverage of Rs. 5 lakh per family annually.
2. Beneficiary Base: Covers over 10 crore vulnerable families, benefiting approximately 50 crore individuals.
3. Cashless Treatment: Enables cashless hospitalization across empaneled public and private hospitals.
4. Pre-Existing Conditions: Covers pre-existing diseases from day one.
5. Wide Network: Accepted at thousands of empaneled hospitals across India.
6. Paperless and Portable: The card ensures seamless access to healthcare facilities across different states.

Eligibility Criteria Eligibility for Ayushman Bharat Card is determined based on the Socio-Economic Caste Census (SECC) 2011 data. The criteria vary for rural and urban populations:

• Rural: Families belonging to Scheduled Castes (SC), Scheduled Tribes (ST), landless laborers, and those living in kutcha houses.
• Urban: Identified based on occupational categories such as street vendors, construction workers, domestic helpers, and sanitation workers.

How to Apply for Ayushman Bharat Card?

1. Check Eligibility: Visit the official PM-JAY website (https://pmjay.gov.in) to check eligibility using a mobile number or Aadhaar card.
2. Locate a Registration Center: Visit an empaneled hospital, Common Service Center (CSC), or a government-appointed health official.
3. Document Submission: Provide necessary documents such as Aadhaar card, ration card, and income certificate.
4. Card Generation: Once verified, the Ayushman Bharat Card is issued and can be used for availing healthcare services.

Benefits of Ayushman Bharat Card

• Free Treatment: Covers hospitalization expenses, including surgeries, diagnostics, and post-hospitalization care.
• Inclusion of Private Hospitals: Empaneled private hospitals offer specialized treatments.
• No Age or Family Size Limit: No restrictions on the number of family members.
• Covers Day Care Procedures: Includes treatments that do not require extended hospital stays.
• Financial Security: Reduces the burden of out-of-pocket medical expenses.

How to Use Ayushman Bharat Card?

1. Visit any empaneled hospital and provide the Ayushman Bharat Card or Aadhaar card.
2. The hospital will verify eligibility through the PM-JAY portal.
3. Once approved, treatment is provided free of cost up to Rs. 5 lakh.
4. No direct payment is required as expenses are covered under the scheme.

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Conclusion The Ayushman Bharat Card is a revolutionary initiative aimed at ensuring accessible and affordable healthcare for millions of Indians. By covering hospitalization expenses and eliminating financial barriers, the scheme significantly contributes to improving healthcare outcomes. Eligible individuals should take advantage of this government program to secure their health and well-being.