Here’s everything you need to know about the new insurance coverage at Ayushman Bharat
About the new scheme
The union cabinet, chaired by Prime Minister Narendra Modi, has given the green light to a new initiative designed to provide extensive health coverage to senior citizens aged 70 and above. This scheme comes under the umbrella of flagship program Ayushman Bharat.
Coverage
The government’s new initiative is set to support around 4.5 Crore families, including six (6) crore senior citizens. Under this program, every family will receive free health insurance up to 5 Lakh rupees.
AB PM-JAY extends financial protection to approximately 55 crore people, equivalent to 12.34 crore households, by providing a health cover of Rs. 5 lakh per family per year for secondary and tertiary care hospitals. Since its inception, it has facilitated 7.37 Crore hospitalizations, with women making up 49 percent of the beneficiaries. The cumulative financial benefit received by the public under this scheme has exceeded Rs. 1 lakh crore.
The main advantage of this top-up is that it is available exclusively for senior citizens and does not need to be shared with other family members under the age of 70. Also, for senior citizens who have benefited from other public health insurance schemes, such as the Central Government Health Scheme (CGHS ), Ex-Servicemen Contributory Health Scheme (ECHS), or Central Armed Police Force Ayushman (CAPF), there is an option to continue the existing scheme or switch to AB PM-JAY , depending on your choice and health needs. Seniors aged 60 and over who have private health insurance or are beneficiaries of the Employees’ State Insurance program can still benefit from the benefits offered Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).
Eligibility
The new insurance coverage aims to provide health benefits to all citizens over the age of 70, regardless of income level.
The government has announced that senior citizens who meet the eligibility criteria will receive a unique card, different from the existing ones, as part of the scheme.
About Pradhan mantri Jan Arogya Yojana
Pradhan Mantri Jan Arogya Yojana (PM-JAY) is an initiative of the government to ensure that all citizens, especially the underprivileged, vulnerable sections of society and now all citizens above the age of 70, have access to quality hospital services without facing any difficulties financial.
PM-JAY offers a wide range of healthcare services, including costs related to hospitalization, day care surgery, follow-up care, and benefits for pre- and post-hospitalization costs. The scheme also covers services for new born children.
Steps to apply for PMJAY OnlineFirst check eligibility
- Go to the official
PMJAY website at (www.pmjay.gov.in)(http://www.pmjay.gov.in). - Click on the “Am I Eligible” tab from the homepage menu.
- Enter your mobile number and CAPTCHA code, then click “
Create an OTP .” - After OTP verification, enter your country of residence along with your name, ration card number, household number, or mobile number.
- If your family is covered in
Ayushman Bharat Yojana Your name will appear in the results. - Look for your name in the displayed list to confirm your eligibility.
Once you have confirmed your eligibility, follow these steps to avail the benefits of PMJAY scheme:
1. Access to services:
- Beneficiaries can avail services in all public hospitals and private health facilities.
- Information about empaneled hospitals will be available through the Government website, mobile App, Helpline (14555), ASHA, ANM, and other local points of contact.
2. Cashless and paperless access:
Beneficiaries receive free treatment for secondary and tertiary care for certain packages. Cashless and paperless services in public hospitals and empaneled private hospitals.
3. Hospital Building:
The hospital is run by the state government through an online portal.
4. Eligibility:
PM-JAY is rights based, without registration. Eligible families were identified based on shortage and employment criteria using the SECC database in rural and urban areas.
Documents required for PMJAY Registration
To register for PMJAY scheme, make sure you have the following documents:
- Age & ID Proof: Aadhaar card or PAN card.
- Contact Details: Mobile number, home address, and email address.
- Caste Certificate (if applicable).
- Income Certificate: Annual income should be up to Rs 5 lakh.
- Family Evidence: Documentation proving the current family status (joint or nuclear family
(Please note: These steps apply to those who are eligible under the scheme before the new announcement. News has not been updated for new changes at the time of publication of this article)
