Ayushman Card

Ayushman Bharat Yojana or National Health Protection Scheme or Pradhan Mantri Jan Arogya Yojana (PM-JAY) aims to provide a service to create a healthy, capable and content new India. It has two goals:

i. Creating a network of health and wellness infrastructure across the nation to deliver comprehensive primary healthcare services, and

ii. Providing insurance cover over 10.74 crore poor, deprived rural families and identified occupational categories of urban workers' families as per the latest Socio Economic Caste Census (SECC) data, both rural and urban providing coverage upto 5 lakh rupees (per family per year) for secondary and tertiary care hospitalization.

Additionally, all such enrolled families under Rashtriya Swasthya Bima Yojana (RSBY) that do not feature in the targeted group as per SECC data will be included as well. The Scheme was launched on 14 April, 2018.

Benefits

PM-JAY is the world's largest health insurance/assurance scheme fully financed by the government.

It provides a cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization across public and private empanelled hospitals in India.

Over 10.74 crore poor and vulnerable entitled families (approximately 50 crore beneficiaries) are eligible for these benefits.

PM-JAY provides cashless access to health care services for the beneficiary at the point of service, that is, the hospital.

PM-JAY envisions to help mitigate catastrophic expenditure on medical treatment which pushes nearly 6 crore Indians into poverty each year.

The cover under the scheme includes all expenses incurred on the following components of the treatment:

• Medical examination, treatment and consultation
• Pre-hospitalization up to 3 days
• Medicine and medical consumables
• Non-intensive and intensive care services
• Diagnostic and laboratory investigations
• Medical implantation services (where necessary)
• Accommodation benefits
• Food services
• Complications arising during treatment
• Post-hospitalization follow-up care up to 15 days

There is no restriction on the family size, age or gender.

All pre-existing conditions are covered from day one.

Benefits of the scheme are portable across the country i.e. a beneficiary can visit any empanelled public or private hospital in India to avail cashless treatment.

Services include approximately 1,393 procedures covering all the costs related to treatment, including but not limited to drugs, supplies, diagnostic services, physician's fees, room charges, surgeon charges, OT and ICU charges etc.

Public hospitals are reimbursed for the healthcare services at par with the private hospitals.