In a country where medical expenses can actually push families below the poverty line, the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) is a glimmer of hope.
Cautiously launched by the Government of India to make sure that poor and disadvantaged individuals receive good quality medical treatment without going through the torture of enormous bills.
As we step into the year 2025, the Ayushman Bharat scheme continues to be on the move, offering more advantages and simplified procedures. Whether it is the PMAY eligibility criteria, the Ayushman Bharat scheme advantages, or the process of applying for an Ayushman Bharat card, this article has all you need to know.
What Is Ayushman Bharat Yojana?
Begun in 2018, Ayushman Bharat is the world’s largest government-funded health insurance program. It aims to provide financial security to over 50 crore Indians, especially the economically weaker sections. Till 2025, PMJAY has been providing government of India 5 lakh health insurance per year for each eligible family for secondary and tertiary hospitalization.
Benefits of Ayushman Bharat Scheme
One of the main benefits of the Ayushman Bharat scheme is cashless treatment in government and empaneled private hospitals in India. The scheme covers:
1. Extensive Medical Coverage- Hospitalisation costs including:
- Surgeries(Cardiac, Neuro, Oncology),
- Diagnostics and medicines
- Organ Transplants
- Polytrauma and Burns Treatment
- Maternal and Newborn Healthcare
2. Pre- and post-hospitalization expenses- The scheme includes diagnostic tests, medicines, and follow-up consultations for up to 15 days before and after hospitalization.
3. Portability Across India- Beneficiaries can avail treatment in any empaneled hospital across India, making it highly convenient for migrant workers and travelers.No cap on family size, age, or gender.
4. Hassle-Free Cashless Transactions- No out-of-pocket expenses are required, full cashless treatment for covered procedures using the PMJAY card.
This global coverage guarantees that families no longer need to worry about deciding who gets treated because of financial limitations.
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PMJAY Eligibility Criteria in 2025
In order to take advantage of PMJAY, you need to determine whether you are eligible or not. The eligibility criteria for PMJAY in 2025 continue to be based fundamentally on the Socio-Economic Caste Census (SECC) 2011. Eligible households include:
- Families without any adult (aged 16–59)
- Female-headed households with no adult male member
- SC/ST households
- Landless households dependent on manual labor
Urban occupational groups include workers like ragpickers, household workers, street vendors, and sanitation workers. If you fall under any of these, you may qualify for PMJAY.
How to Apply for Ayushman Bharat Card
Most people wish to know how to get an Ayushman Bharat card. The procedure is simple:
- Visit the official PMJAY website or your nearest Common Service Center (CSC).
- Verify your eligibility using your Aadhaar card or mobile number.
- Submit the required documents (listed below).
- Once approved, you will receive your Ayushman Bharat card, which you can use for cashless treatment.
Documents Needed for Ayushman Bharat
While applying, make sure you have these documents available for Ayushman Bharat card:
- Aadhaar Card
- Ration Card or other government-recognized ID
- Mobile number
- Proof of address
- Caste certificate (if applicable)
Having necessary documents handy ensures the process of application will be smooth and quicker access to medical benefits.
Frequently Asked Questions
1.What benefits does Ayushman Bharat offer?
It offers health coverage up to ₹5 lakh per family per year for secondary and tertiary care hospitalization.
2. Who is eligible for Ayushman Bharat?
Families identified under the Socio-Economic Caste Census (SECC) 2011 data are eligible.
3. How can I check my eligibility?
You can check eligibility by visiting the official PM-JAY website or calling the helpline number 14555.
4. How do I apply for the Ayushman Bharat card?
Eligible individuals can apply online through the PM-JAY website or at empaneled hospitals and Common Service Centers (CSCs).
5. What documents are required to apply?
Typically, you need an Aadhaar card, ration card, and income certificate.
6. Where can I use the Ayushman Bharat card?
The card is accepted at all empaneled public and private hospitals across India.
7. Does the scheme cover outpatient services?
No, Ayushman Bharat covers only hospitalization expenses, not outpatient services.
Conclusion
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