Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
PM LAUNCHED TODAY AYUSHMAN VAYA VANDNA CARD OF AB PM-JAY TO COVER SENIOR CIIZENS OF AGE 70 YEARS OR MORE
Dated 29.10.2024 : On the occasion of Dhanvantari Jayanti and 9th Ayurveda Day, Prime Minister Shri Narendra Modi launched, inaugurated and laid the foundation stone of multiple projects related to the health sector worth around Rs 12,850 crore today at All India Institute of Ayurveda (AIIA), New Delhi.
As a major addition to the flagship scheme Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY), Prime Minister launched today the Ayushman Vaya Vandana card for the coverage of all senior citizens aged 70 years and above. This will help provide health coverage to all senior citizens regardless of their income.
During his speech , Prime minister told that every senior citizen in the country aged 70 and above would receive free hospital treatment through the Ayushman Vaya Vandana Card . People previously had to sell their possessions for medical care. He said that “to alleviate this burden, the government introduced the Ayushman Bharat Yojana, which covers up to ₹5 lakh in hospitalization costs for the poor”. He highlighted that around 4 crore individuals have benefited from this scheme, ensuring that they receive treatment without financial strain. He expressed pride in expanding the Ayushman Yojana to include free treatment for all citizens over 70 years old, through the Ayushman Vaya Vandana Card, which is universally accessible regardless of income.
He also reiterated that the Union Government will provide a health cover of ₹ 5 lakh to any elderly person above 70 years of age, any woman, any caste, any community, and any area, and will make arrangements for their treatment free of cost, adding that this facility will be available throughout their life.
However, National Health Authority is yet to announce the modalities for the enrolment under the scheme for eligible senior citizens
To read the PIB press release , CLICK HERE
How to create Ayushman Vay Vandana Card on Ayushman App and get free ₹5 Lakh treatment under PMJAY?
To get the Ayushman Vayovandana Card , you can go to their web portal or Download their mobile app in Google Play Store.
WEBPORTAL : https://beneficiary.nha.gov.in/
Mobile App : Ayushmn App of Nationl Health Authority
1. On the web portal, you log in as Beneficiary, enter the captcha and your mobile number linked to the Aadhaar. Get verified through OTP and captcha
In the next screen, go to the enrollment by clicking " CLICK HERE TO ENROLL "
Next, enter your Aadhar number and captcha . It will ask you to enroll and click on it if you are not enrolled.
Give your consent to link Abha number with Ayushman
Then complete the e-kyc through Aadhaar OTP and mobile OTP
Confirm that you are not already a member of the listed government schemes andproceed .
You complete the e-kyc by clicking Aa self- photograph in the webpage
Provide additional information of your address, category and family members
Once you complete the exercise and confirm the details are correct , you will get confirmation .
You have successfully enrolled and it will take time to issue Ayushman Vayovandana Card .
For further clarity , you may view the above youtube video .
Salient features of the scheme
All senior citizens aged 70 or above, regardless of economic status, are eligible for free medical treatment up to ₹5 lakh under this scheme.
The only eligibility criterion is that the individual must be aged 70 years or above, as determined by the age recorded in their Aadhaar card, regardless of economic status.
Aadhaar-based e-KYC is mandatory for the enrolment and issuance of Ayushman cards for eligible senior citizens.
Aadhaar is the only document needed for enrolment in the AB PMJAY Senior Citizen Scheme.
If only the birth year is recorded in Aadhaar, January 1st of the year following the recorded birth year will be considered as the date of birth.
If husband and wife are both of the age above 70 years , separate enrolments aren’t needed. After enrolling the first family member aged 70 or above, you can add other family members aged 70 or above under the scheme using the “Add Member” feature on our enrolment portal.
A distinct Ayushman card will be issued to all eligible senior citizens aged 70 years and above.
A beneficiary can apply for the Ayushman Bharat Senior Citizen Scheme through our website portal - www.beneficiary.nha.gov.in and the Ayushman App (available
for Android on the Google Play Store).
The total ₹5 lakh coverage is provided on a family basis.
One is eligible for PM-JAY coverage even if he has private health insurance.
As per government rules, citizens who benefit from any other government health scheme must choose either their existing scheme benefits or those under AB PM-JAY. This means if you have CGHS, you must choose between CGHS and Ayushman Bharat PM-JAY, as benefits from both schemes cannot be availed simultaneously.
What is Ayushman Bharat Pradhan Mantri Jan Arogya Yojana ( (AB PM-JAY) ?
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) is a flagship health insurance scheme of the Government of India aimed at providing free quality healthcare services to the poor and vulnerable sections of the country. This scheme is one of the largest health insurance schemes in the world.
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) is a cashless treatment scheme. This means that beneficiaries do not need to pay any money out of pocket for covered treatments. All expenses are directly settled between the healthcare provider and the insurance company.
This cashless facility makes it easier for beneficiaries to access quality healthcare without worrying about the financial burden of treatment.
Key Objectives:
Reduce financial burden of serious illnesses
Make healthcare accessible to all
Provide quality healthcare services in government and private hospitals
Provide social security and reduce poverty
Key Benefits:
Free treatment up to ₹5 lakh
Comprehensive coverage for almost all serious illnesses
Portability across India
Cashless treatment
Quality healthcare services in government and private hospitals
Who is eligible for the scheme ?
Families belonging to the bottom 40% as per Socio-Economic Caste Census (SECC) database are eligible to join the scheme . There is no age limit to join the scheme
Update dated 11.09.2024 : The Union Cabinet, chaired by the Prime Minister Shri Narendra Modi, has approved the health coverage the scheme to all the senior citizens aged 70 years and above irrespective of income . The eligible senior citizens would be issued a new distinct card under AB PM-JAY. The senior citizens of the age 70 years and above belonging to families already covered under AB PM-JAY will get an additional top-up cover upto ₹5 lakh per year for themselves (which they do not have to share with the other members of the family who are below the age of 70 years). All other senior citizens of the age 70 years and above will get a cover upto ₹5 lakh per year on a family basis. Senior citizens of the age 70 years and above who are already availing benefits of other public health insurance schemes such as Central Government Health Scheme (CGHS), Ex-Servicemen Contributory Health Scheme (ECHS), Ayushman Central Armed Police Force (CAPF) may either choose their existing scheme or opt for AB PMJAY. It has been clarified that senior citizens of 70 years and above who are under private health insurance policies or Employees’ State Insurance scheme will be eligible to avail benefits under AB PM-JAY.
How to join the ABPM-JAY scheme?
Obtain an Ayushman card
Register at a nearby government hospital or Common Service Center (CSC)
HOW TO GET AYUSHMAN CARD ?
Ayushman card is a unique identification number that provides access to the benefits of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY). Here's a step-by-step guide on how to obtain an Ayushman card:
1. Check Eligibility:
SECC Database: Ensure your family is listed in the Socio-Economic Caste Census (SECC) database as part of the bottom 40% of the population. You can check your eligibility status online or through government offices.
2. Gather Required Documents:
Address proof: Aadhaar card, ration card, or voter ID card.
Identity proof: Aadhaar card, passport, or driving license.
Mobile number: A valid mobile number for registration.
3. Visit a Common Service Center (CSC) or Government Hospital:
Locate a nearby CSC or government hospital that offers Ayushman card registration services.
Take the required documents with you.
To locate a Common service Centre near you, click here
4. Provide Information:
Fill out the necessary registration form with accurate information.
Provide your family details, including names, ages, and relationships.
5. Biometric Verification:
Your biometric information, such as fingerprints and iris scan, will be collected.
6. Document Verification:
The registration officials will verify the authenticity of your documents.
7. Card Generation:
Once your information is verified, an Ayushman card will be generated for your family.
8. Receive Ayushman Card:
You will receive your Ayushman card either immediately or within a few days.
Note:
The process might vary slightly depending on the location and specific procedures followed by the CSC or government hospital.
If you face any difficulties or have questions, you can contact the National Health Authority (NHA) helpline or visit their official website for assistance.
For more information, you can visit the National Health Authority website: https://nha.gov.in/
The eligible senior citizens would be issued a new distinct card under AB PM-JAY
Whether all hospitals in India entertain the scheme beneficiaries ?
Not all hospitals in India entertain Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) beneficiaries.
While the government has been working to expand the network of empanelled hospitals, there are still some that may not be participating in the scheme.
To find out if a specific hospital is empanelled under AB PM-JAY, you can:
Check the National Health Authority (NHA) website: The NHA website provides a list of empanelled hospitals.
Contact the hospital directly: Inquire with the hospital's administration if they accept AB PM-JAY beneficiaries.
Call the AB PM-JAY helpline: The helpline can provide information on empanelled hospitals in your area.
It's recommended to verify the hospital's participation before seeking treatment under the scheme to avoid any inconvenience.
BENEFITS UNDER PM -JAY SCHEME
PM-JAY provides cashless cover of up to INR5,00,000 to each eligible family per annum for listed secondary and tertiary care conditions. The cover under the scheme includes all expenses incurred on the following components of the treatment.
1, Medical examination, treatment and consultation
Pre-hospitalization
3. Medicine and medical consumables
4 . Non-intensive and intensive care services
Diagnostic and laboratory investigations
6. Medical implantation services (where necessary)
7. Accommodation benefits
8 . Food services
Complications arising during treatment
10 . Post-hospitalization follow-up care up to 15 days
The benefits of INR 5,00,000 are on a family floater basis which means that it can be used by one or all members of the family. The RSBY had a family cap of five members. However, based on learnings from those schemes, PM-JAY has been designed in such a way that there is no cap on family size or age of members. In addition, pre-existing diseases are covered from the very first day. This means that any eligible person suffering from any medical condition before being covered by PM-JAY will now be able to get treatment for all those medical conditions as well under this scheme right from the day they are enrolled.
CO-PAY : Ayushman Bharat (AB-PMJAY) generally does not require any co-payment from beneficiaries . This means that eligible individuals can avail of the scheme's benefits without paying any out-of-pocket expenses for covered treatments. However check with the hospital or healthcare provider while seeking treatment under Ayushman Bharat and confirm directly with the facility if any co-payment is applicable.
To know more about
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).