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5 min read
Updated on Mar 17, 2023
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana is a government of India’s health insurance policy that offers coverage of INR 5 lakh to every Indian eligible family. The policy has already covered over 50 crore beneficiaries with healthcare coverage, which included 40% poor families in India. The scheme was introduced with the aim to help alleviate the high rising medical expenses in the country. Let’s understand the policy better.
Below are the key features of Ayushman Bharat Yojana Card:
Among the many benefits of Ayushman Bharat Yojana, the cover of INR 5 lakh is something which is generally not offered under government health insurance schemes. Along with the sum assured of INR 5 lakh, the facility of cashless medical treatment is also something which serves as a great benefit under the Ayushman Bharat Scheme.
Here are some other Ayushman Bharat Yojana benefits:
The Ayushman Bharat Yojana supports families by giving access to healthcare services along with covering day care procedures and various pre-existing diseases. The scheme covers healthcare packages by both public and private hospitals in India.
Here are some exclusions of the plan:
| Ayushman Bharat Yojana | Private Health Insurance |
| Sum Assured Maximum is up to INR 5 lakh | Sum Assured Maximum can be up to 3 Crore |
| Pre-Hospitalization up to 3 days, Post Hospitalisation up to 15 days | Pre-Hospitalization up to 60 days, Post Hospitalisation up to 180 days |
| No Free Annual Health Check-Up | Annual free health check – up (yearly or once in two-years) |
| 9 Critical illnesses are covered | 20+ Critical illnesses are covered |
| OPD cover not available | OPD expenses covered |
| Premiums paid by government | Premiums paid by policyholder |
| Home treatment not covered | Home treatment covered |
| NCB is not granted | NCB granted for claim free years |
| Tax benefits not available | Tax benefits available |
| Single private room may/may not be available | Single private hospital room can be availed |
To Sum Up
The Ayushman Bharat Yojana doesn’t put any cap on the age or size of the family members. The sum assured of this plan can be shared by a family on a floater basis. The family that is eligible under the plan can receive cashless hospitalization under the coverage from day 1 of availing the scheme.
For Ayushman Bharat Yojana registration, all you need is to visit the pmjay.gov.in site and check Ayushman Bharat Yojana Eligibility with the help of the Aadhar Card Number of the individual. Once done, you can register if you are eligible for the Yojana and start using claims under the plan. The Ayushman Bharat yojana apply online is very easy and can be done without any hassle.
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There are many benefits of Ayushman Bharat Yojana as mentioned in the post above. It is one of the largest government health schemes in the world and covers the economically poor and weaker sections of the society.
Under the Ayushman card, the eligible families can get coverage of a sum assured of INR 5 lakh per year.
The policy covers as many as 1,393 treatments and procedures along with covering 9 critical illnesses.
The healthcare services available under the scheme are hospitalization expenses, day care surgeries, follow-up care, pre and post hospitalization expenses and new born child/children services etc.
Yes, pregnancy is covered under the provisions introduced by Ayushman Bharat. An eligible pregnant woman can claim an amount up to INR 5,00,000 for all the procedures and surgeries
National Health Authority (NHA) is the apex body that is responsible for implementing “Ayushman Bharat Pradhan Mantri Jan Arogya Yojana”, the flagship public health insurance/assurance scheme in India.
It is called Ayushman Bharat Yojana (आयुष्मान भारत) in Hindi
PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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