The Government of India has launched the Ayushman Bharat Scheme to spread health services to every citizen. The scheme provides cashless treatment to poor and weaker sections. Under this scheme, every family gets health insurance cover of up to ₹ 5 lakh annually. By making Ayushman card, you can avail free treatment in government and private hospitals. In this article, we will tell you how to make Ayushman card, its advantages, eligibility and application process.
What is the Ayushman card?
The Ayushman card is part of the Government of India’s Pradhan Mantri Jan Arogya Yojana (PMJAY). This card provides free treatment to eligible people. Through this, you can get cashless treatment in panel hospitals across the country.
Brief description of the scheme
| features | Description |
| Coverage per year | ₹ 5 million per family |
| Cashless Hospital Services | Available |
| Pre-hospitalization expenses | Cover for 3 days |
| Post-hospitalization expenses | Cover for 15 days |
| Number of panel hospitals | Government and private hospitals |
| Eligibility | According to SECC 2011 data |
Main benefits of Ayushman Card
1. ₹ 5 lakh health cover
Under this scheme, every family gets health insurance cover of up to ₹ 5 lakh annually. This cover also applies to serious diseases like cancer, heart disease and kidney problems.
2. Cashless treatment
Ayushman card holders can get treatment in panel hospitals across the country without paying money. This reduces financial burden on economically weaker families.
3. Pre and Post Hospitalization Expenditure
The scheme also covers the expenses before and after being hospitalized. 3 days before being admitted and up to 15 days after discharge.
4. Portable facility
The facility of this scheme is available throughout India. You can get treatment in panel hospitals in any state or city.
Eligibility for making Ayushman Card
The benefit of Ayushman Bharat Scheme is available only to families who are included in SECC (SOCIO-Economic Caste Census) 2011 data.
Eligibility Criteria:
- Poor families in rural areas.
- Special category workers in urban areas.
- Senior citizens (over 70 years) worthy of different coverage.
How to make Ayushman Card?
Online process:
- Go to the PMJAY website.
- Choose the option “AM I Eligible”.
- Enter your mobile number and OTP.
- Fill the state, district and other information.
- Click on “Do E-KYC” option.
Offline process:
- Go to the nearest CSC (Common Service Center).
- Submit Aadhaar card and other documents.
- Your Ayushman card will be issued after verification.
Diseases covered under Ayushman Bharat Scheme
This scheme also covers serious diseases and complex surgery:
- cancer
- Heart disease
- Kidney failure
- Liver related problems
- Neurological disorder
- Organ transplant
Noted things while applying
- Upload your documents correctly.
- Use SECC data to check the eligibility.
- Apply only on authorized website or CSC Center.
Limits and challenges of the plan
Although the Ayushman Bharat scheme has benefited millions of people, but there are some limitations:
- There are not enough hospitals in rural areas.
- In some cases panel hospitals demand additional fees.
- Post hospitalization services require improvement.
Disclaimer:
The Ayushman Bharat Scheme is a real government initiative that provides free health services to the poor class. However, avoid any fraud while applying and rely on authorized sources.
