You can avail cashless treatment by using the PMJAY golden card
This scheme also covers COVID-19 pandemic treatment costs
Visit the PMJAY website to check if you are eligible or not
Ayushman Bharat scheme, now known as Pradhan Mantri Jan Arogya Yojana or PMJAY, is an initiative launched by the Government of India in order to ensure that health coverage is provided to everyone alike . This scheme aims to secure the healthcare requirements of low-income groups. With this flagship scheme, the government offers cover for individuals from both urban and rural areas of the country. It provides a total coverage of Rs.5 lakh that is inclusive of hospitalization expenses, diagnostic costs and critical illness to name a few.
With rising medical inflation, it becomes all the more vital to utilize the benefits of the Ayushman Bharat Scheme. This way no one is deprived of medical care especially during the pandemic. With the threat of the new variant increasing day by day, purchasing a healthcare plan has become the utmost priority. When you avail this scheme, you can enjoy cashless treatment in all network hospitals. To know more about how you can manage medical expenses using this scheme, read on.
If you avail this scheme, you will be given a PMJAY golden card. This card contains all essential information such as your details. By using this card, you can avail cashless treatment at any of the network hospitals. To download the cashless card, follow these steps:
This scheme also covers COVID-19 treatment costs. Submit this golden card or your unique identification number to avail cashless treatment. You can check if you are eligible or not by visiting PMJAY website.
This scheme provides total coverage of Rs.5 lakh . You can utilize these funds to cover surgical and general medical expenses in different specialties that include:
This scheme doesn’t allow you to reimburse your surgical and medical expenses at the same time. Assuming you get hospitalized several times for multiple surgeries, you will get reimbursement for the surgery with the highest cost. After this, you will get a 50% waiver for your second surgery and a 25% discount on third surgery. The best part is that this scheme does not include a waiting period for your pre-existing illnesses.
The critical illnesses and procedures covered in the Ayushman Bharat scheme include:
To avail the benefits of this scheme, register on the PMJAY website. To check if you are eligible, follow these simple steps.
You can also contact a call center to check your eligibility.
To apply for this scheme, submit the following documents:
The Ayushman Bharat scheme is specifically designed to cover the health insurance needs of low-income groups. The eligibility criteria depend on your living conditions.
If you are staying in rural areas, you are eligible for this scheme only if you fulfill these conditions:
If you are residing in urban areas, you can qualify for this scheme if you are one of the following:
This scheme covers the following:
The following aspects are excluded from coverage:
The Ayushman Bharat scheme has become one of the most effective healthcare schemes of the country. Its introduction also saw a growth in the health insurance market as low-income groups are also able to access medical cover. If you have availed this scheme, you are eligible for cashless treatment at any of the empaneled public or private hospitals. However, since this scheme is mainly intended to cover low-income groups, you may not be eligible. If you are planning to invest in health insurance, check out Aarogya Care Complete Health Solution plans from Bajaj Finserv Health.
With four different variants at your fingertips, you can choose the right one based on your requirements. Right from doctor consultation benefits to preventive health checkups, these plans cover all your health requirements. With a total insurance cover of Rs.10 lakh, you also get to enjoy the huge network discounts at any of the listed hospitals on the Bajaj Finserv Health network. Invest in a plan today and manage your medical expenses without any hassle!