The Pradhan Mantri Jan Arogya Yojana (PMJAY) popularly known as Ayushman Bharat Yojana Scheme is the flagship scheme by the Government of India. It is essentially a health insurance scheme to cater to the poor, lower section of the society and the vulnerable population. The scheme offers financial protection in case of hospitalization due to medical emergencies.
The government health insurance scheme covers most of the medical treatment costs, medicines, diagnostics and pre-hospitalisation expenses. Additionally, the scheme offers cashless hospitalisation services through the Ayushman Bharat Yojana e-card which you can use to get healthcare services at any of the empanelled hospitals across the country. Beneficiaries of the scheme can avail hospitalisation for necessary treatment by showing their PMJAY e-card.
The health insurance under AB-PMJAY includes hospitalization costs of beneficiaries and includes the below components:
The scheme is targeted at the vulnerable and underprivileged sections of the society. To cater to them, below are the benefits of the PMJAY:
To ensure cashless, paperless and portable transactions through the PNJAY scheme, the Ayushman Bharat Yojana Golden Card will be issued to beneficiaries. The PMJAY e-card contains all required information of the patient. It is mandatory to present this card at the time of availing the treatment at the empanelled hospital.
To get this PMJAY Golden Card, follow the process below:
Step 1: Visit the PMJAY website (https://mera.pmjay.gov.in/search/login) and log in with your registered mobile number.
Step 2: Enter the ‘Captcha Code’ to generate the OTP.
Step 3: Opt for the HHD code.
Step 4: Provide the HHD code to the Common Service Centre (CSC), where they would check the HHD code and other details.
Step 5: The CSC representatives who are known as Ayushman Mitra will complete the rest of the process.
Step 6: You will have to pay Rs.30 to get the Ayushman Bharat card.