Ayushman Pradhan Mantri Jan Arogya Scheme- The health insurance scheme

This scheme also known as Ayushman Bharat Yojna. It aims to help economically vulnerable Indians who are in need of healthcare facilities. PM Narendra Modi rolled out this scheme on 23rd September, 2018 to cover about 50 crore citizens in india and already has several success stories to its credit. As of September 2019, it was reported that 18,059 hospitals have been empanelled, over 4,406,461 lakh beneficiaries have been admitted and over 10 crore e-cards have been issued. The PM Jan Arogya Yojana beneficiaries get an e-card that can be used to avail services at an empanelled hospital, public or private, anywhere in the country. With it, you can walk into a hospital and obtain cashless treatment.

Eligibility Criteria for rural and urban people

For rural:

24% of rural families access healthcare facilities by borrowing money. PMJAY’s aim is to help this sector avoid debt traps and avail services by providing yearly assistance of up to Rs. 5 lakh per family. The scheme will come to the aid of economically disadvantaged families as per data in the Socio-Economic Caste Census 2011. Here too, households enrolled under the Rashtriya Swasthya Bima Yojana (RSBY) will come under the ambit of the PM Jan Arogya Yojana.

In the rural areas, the PMJAY health cover is available to:

1) Those living in scheduled caste and scheduled tribe households

2) Families with no male member aged 16 to 59 years

3) Beggars and those surviving on alms

4) Families with no individuals aged between 16 and 59 years

5) Families having at least one physically challenged member and no able-bodied adult member

6) Landless households who make a living by working as casual manual labourers

7) Primitive tribal communities

For Urban:

PMJAY will benefit urban workers’ families in the occupational category present as per the Socio-Economic Caste Census 2011. Further, any family enrolled under the Rashtriya Swasthaya Bima Yojana will benefit from the PM Jan Arogya Yojana as well.

In the urban areas, those who can avail of the government-sponsored scheme consist mainly of:

1. Washerman / chowkidars

2. Rag pickers

3. Mechanics, electricians, repair workers

4. Domestic help

5. Sanitation workers, gardeners, sweepers

6. Home-based artisans or handicraft workers, tailors

7. Cobblers, hawkers and others providing services by working on streets or pavements

8. Plumbers, masons, construction workers, porters, welders, painters and security guards

9. Transport workers like drivers, conductors, helpers, cart or rickshaw pullers

People not entitled for the Health Cover under Pradhan Mantri Jan Arogya Yojana:

  • 1. Those who own a two, three or four-wheeler or a motorised fishing boat
  • 2. Those who own mechanised farming equipment
  • 3. Those who have Kisan cards with a credit limit of Rs.50000
  • 4. Those employed by the government
  • 5. Those who work in government-managed non-agricultural enterprises
  • 6. Those earning a monthly income above Rs.10000
  • 7. Those owning refrigerators and landlines
  • 8. Those with decent, solidly built houses
  • 9. Those owning 5 acres or more of agricultural land

How to apply:

  • Visit https://www.pmjay.gov.in/ and click on ‘Am I Eligible’
  • Enter your mobile number and the CAPTCHA code and click on ‘Generate OTP’
  • Then select your state and search by name/ HHD number/ ration card number/ mobile number
  • Based on the search results you can verify if your family is covered under PMJAY

Alternatively, to know if you are eligible for PMJAY you can approach any Empanelled Health Care Provider (EHCP) or dial the Ayushman Bharat Yojana call centre number: 14555 or 1800-111-565