Ayushman Bharat Yojana: Everything You Want to Know About the Scheme!
Introduction
Even today, millions of families in India cannot afford medical costs in case of critical health issues. The expenditure incurred on expensive medical centres, surgeries, and medicines is creating problems for poor and middle-class families. To address these problems, the Indian government has initiated the Ayushman Bharat scheme.
It is the largest government health insurance scheme in the country, and it provides free health care services to a family up to a limit of Rs. 5 lakhs. In the article below, we will describe the eligibility criteria, advantages, and process of Ayushman Bharat Yojana, its coverage, and the required documents.
What is the Ayushman Bharat Scheme?
In 2018, the Government of India introduced the Ayushman Bharat Scheme, also called the “Pradhan Mantri Jan Arogya Yojana.”
The ultimate goal is to empower the poor and the disadvantaged to access cashless and paperless health services, so that no family is ever ruined by disease.
The Objectives of the Ayushman Bharat Scheme:
The cost should be free for poor families.
Reduce the financial burden of medical bills.
Equality of ACCESS to government hospitals as well as private hospitals
Expand health insurance coverage in the country
Eligibility Criteria for Ayushman Bharat Scheme
The eligibility criteria formulated under the Ayushman Bharat Scheme are based on SECC 2011.
Eligibility in the Countryside
The types of families to be recognised in rural areas will be as follows:
Kutcha House (Kutcha Walls & Roof)
Landless Families
casual laborers scheduled castes/tribes, family where there is a disabled person
For Urban Areas
These categories of citizens can be found in the city:
Rickshaw
Domestic Work
Construction
Sanitation Worker
Street Cart
Security
Note: Eligibility criteria may vary slightly with respect to state governments.
Key Points of Ayushman Bharat Scheme
1. Free upto ₹5 lakh
Every Eligible Resident within our Area
2. Cash
No cost to the patient during hospitalisation
3. For the entire family
The scheme includes all family members
4. Pre-existing Diseases
Preexisting diseases are also treated
5. Government and Private Hospitals
Empanelled Government and Private Hospitals across the Country
What is covered in the Ayushman Bharat Scheme? The cost covered by the Ayushman Bharat Scheme, as per information provided in Jan. credit, is:
Hospitalization
Operations and Surgeries
ICU & OT charges Medicines and other doctors’ fees
Pre and post-hospitalisation costs
What diseases does this cover?
The plan provides for over 1,500 medical and surgical packages, including:
Heart surgery
treatment of cancer
Dialysis of the kidneys
Neuros
Bone and joint surgery
Obstetrics and Gynaecology
Critical Illnesses of Childhood
What is the Ayushman Card?
Ayushman Card: It is a digital health card, which is used by the patient for their identification along with their eligibility for the scheme.
This card is necessary as treatment is not possible without this card; therefore, every beneficiary is mandated to procure an Ayushman Card.
How to Check Eligibility Criteria for the Ayushman Bharat Scheme?
You may check your eligibility through the following:
The complete application form is available on the official website at
Using an OTP sent to your mobile number
Go to the nearest CSC, i.e. Communication Service Centre. You can also approach an Ayushman Mitra for assistance
How to get an Ayushman card?
Go to the nearest CSC Centre
Take your Aadhar Card and Ration Card along.
Carry out the biometric verification.
Download or print the Ayushman Card
How to avail the benefit under the Ayushman Bharat Scheme?
Attend an empanelled hospital
Show your Ayushman Card
Contact Ayushman Mitra at the hospital.
The process will begin after the documents have been verified.
Treatment is absolutely cashless.
Documents Required
Aadhaar Card
Ration Card
Mobile Number
Ayushman Card
Identification Card
Why is the Ayushman Bharat Scheme Important?
Health security for the poor
Relief from expensive treatment
Easy Access to Health Services and Strengthening of Social Security
Conclusion
Ayushman Bharat Health Insurance Scheme is a revolutionary scheme by the Indian Government that has provided free of cost and quality of service to millions of poor families of India. Getting free of cost and cashless service up to ₹5 lakh not only provides financial security to people, but it also saves their lives. If you or your family is eligible for receiving this scheme, then immediately get your Ayushman card issued and take advantage of this important government plan.
