Pradhan Mantri Jan Arogya Yojana (PMJAY) or Ayushman Bharat yojana scheme is an initiative launched by the Indian Government to help the poor or lower section of society. It is a health scheme that will help over 10 crores of lower and susceptible people providing coverage up to rupees 5 lakhs per family per year. This scheme helps the vulnerable section financially in any hospitalization and medical emergency.
To avail of the benefits of this health care scheme, you need an Ayushman Bharat Health Card or PMJAY card. It is a yellow colour card with your name and photograph on it. The card needs to be recharged from time to time, depending on the type of medical treatment you are getting.
Here is a step-by-step guide on how to use your Ayushman Bharat Health Card:
- Firstly, you must ensure that your name is registered in the National Health Protection Scheme (NHPS) list. This can be done by visiting your nearby Ayushman Bharat Kendra or PMJAY centre.
- After completing the registration process, you will receive a confirmation SMS from the NHPS team and an Ayushman Bharat Card (PMJAY) at your registered address.
- Once you receive the card, you can use it to avail the benefits of the PMJAY scheme. You must present your card at the hospital or medical centre where you intend to get treatment.
- The health care provider will then generate a Unique Identification Number (UIN) based on your medical history and Ayushman Bharat Card details.
- You will then be redirected to the Ayushman Bharat website, www.pmjay.gov.in, where you must enter your UIN and other personal details.
- After this, you need to choose the treatment you are looking for and pay through your Ayushman Bharat Card.
- After the payment is done, you will be given a treatment authorization slip, which you need to show at the hospital or medical centre.
- After the medical treatment is over, you will receive an Ayushman Bharat Card recharge slip, which you can use to recharge your card.
These steps will ensure you can use your Ayushman Bharat Card for any medical emergency or hospitalization. It is important to note that you must always keep your card and recharge slip in a safe place. In case of any loss or damage, you can contact the nearest Ayushman Bharat Kendra or PMJAY centre for assistance.
Benefits of the PMJAY Scheme
- A health cover of up to 5lakh rupees is provided to the beneficiary family each year.
- Families listed in SECC (Socio-Economic Caste Census) can avail of the benefits.
- The scheme can be availed at any government or listed private hospital.
- This scheme covers around 40% of the country’s vulnerable population.
- The health insurance scheme offers a cashless hospitalization facility.
- The insurance scheme will cover all pre-existing health issues and post-hospitalization follow-up care for 15 days.
- The scheme offers diagnostic procedures and lab investigation charges.
- Priority is given to girl children, women, and senior citizens. The scheme offers free transport facilities from home to hospital and vice versa.
- The Ayushman Bharat Health Card is valid for one year and can be renewed after the expiry.
Finally, this health insurance scheme helps low-income families access necessary medical treatments. With the Ayushman Bharat Scheme, the financial burden due to medical emergencies will be heavily reduced. This will also help them lead a stress-free life.
What is Ayushman Bharat Health Account?
The ABHA card is a one-of-a-kind health ID that can be created with your mobile number or an Aadhaar card using a 14-digit identification number. Users can digitally share their health records with various organizations, including clinics, insurance companies, and others.
People can create their ABHA free of cost.
Benefits of ABHA-
- The following are some of the advantages of using ABHA: it will help you to access all of your medical records, including lab results, prescriptions, and diagnoses.
- The platform simplifies sharing your medical records with clinics, hospitals, and insurance companies.
- Even if you live in a different city or state, you will have an easier time presenting your medical records thanks to this.
How to get Ayushman Bharat Healthcare Card?
To begin registration, you must visit the Pradhan Mantri Ayushman Bharat Yojana website. After that, you must enter your mobile phone number and the Captcha Code. After that, you must select the “Generate OTP” option.
You will receive an OTP number on your mobile phone, via which you can access the website and finish the verification process. The PMJAY login screen will appear. You must select the state from which you are applying for the PMJAY scheme. After this, you can provide the following details:
Phone Number
Name
Ration Card Number
RSBY URN number
If you are suitable for the Ayushman Bharat Yojana Scheme, your name will appear on the right side of the page. In addition, you can view beneficiary information by selecting the “Family Members” tab.
Further, you will require a few documents for the registration
- Your Aadhar ID linked with a valid bank account
- Caste Certificate
- Age proof documents
- Your income details
- Identification information
- Contact details
- Special category certificates
- Scanned copy of Aadhar
A health insurance plan can protect your finances as well as your health. Ensure you have all the necessary documents when applying for the Ayushman Bharat Yojana or the NDHM ABHA Address (Health ID) card. Having adequate health insurance is also essential when using a digital health card.
Conclusion
The Ayushman Bharat Yojana is a beneficial health insurance plan for vulnerable segments of society. It provides comprehensive coverage for hospitalization and offers a cashless treatment facility. In addition, the ABHA card is a one-of-a-kind health ID that allows users to access and share their medical records online. The registration process for the Ayushman Bharat Yojana is quite simple and requires minimal documents. Having adequate health insurance coverage is important to make the most of the scheme.
