What is PMJAY Scheme: Ayushman Card Eligibility Online 2024

What is Ayushman Bharat Yojana (PMJAY)?

The Ayushman Bharat Yojana, also known as PMJAY, is a flagship health insurance program of the Government of India. Designed to cater to over 12 crore poor and vulnerable families, it provides comprehensive health insurance coverage for tertiary and secondary hospitalization expenses.

Pvt Health Insurance Vs Ayushman Bharat Yojana Mobile

Key Highlights of PMJAY:

Coverage Amount: ₹5 lakh per family per year.
Beneficiaries: Families identified under the Socio-Economic and Caste Census (SECC-2011).
Nationwide Coverage: Valid across all empanelled public and private hospitals in India.
Paperless Process: Hassle-free and fully digital.

Did You Know? PMJAY covers over 1,949 treatments, including life-saving surgeries like knee replacements, cardiac procedures, and cancer treatments.

Regular Health Insurance Plans vs Government Health Insurance Scheme

Features	Private Health Insurance	Government Health Insurance Scheme
Eligibility	Available to all sections of society	Available to lower-income groups only
Sum Insured	Maximum sum insured of up to ₹6 crore	Maximum sum insured of up to ₹5 lakh
Premium	₹200 per month onwards (depending on the plan)	₹100 per month onwards or fully paid by the government (depending on the plan)
Coverage	Offers a broader coverage	Offers a narrow coverage
Private Hospital Room	Available (depending on the plan)	May or may not be available
Policy Purchase	Policy can be purchased instantly	Policy purchase may take time
Network Hospitals	A wide network of empanelled private hospitals	A large number of public and private network hospitals
Maternity Benefits	Available (depending on the plan)	Available (Only for a single child in some cases)
Ambulance Charges	Available under most plans	Available under a few plans
Domiciliary Hospitalization Cover	Available (depending on the plan)	Not available
Online Renewal	Can be renewed online	May or may not be renewed online
Cumulative Bonus	Available if no claim was filed in the previous policy year	Not available
Health Check-up	Covered under some plans	Not covered
Monthly Premium Instalment Facility	Available under some plans	Not available
Tax Benefits	Available under the Income Tax Act, 1961	Not available

Features of PMJAY Scheme

PMJAY offers numerous benefits to ensure accessible and affordable healthcare for vulnerable sections of society. Below are the standout features of the scheme:

Family Floater Scheme: Provides coverage for the entire family under one policy.
Cashless Healthcare: Beneficiaries can avail of cashless treatment at empanelled hospitals.
Pre-Existing Diseases Covered: From the very first day of policy activation.
Transport Costs Reimbursed: Includes expenses incurred for reaching the hospital.
Daycare Expenses Included: Covers treatments that don't require hospitalization.
Health and Wellness Centres: Establishes 1.5 lakh centers for primary healthcare across India.

Benefits of Ayushman Bharat Yojana

PMJAY ensures that approximately 40% of India's population, comprising the most vulnerable groups, receives access to quality healthcare. Key benefits include:

Wide Coverage: Covers 27 specialty areas, including oncology, cardiology, and orthopedics.
Follow-Up Treatments: Post-discharge care and medication expenses are included.
Multiple Surgery Coverage: In case of multiple surgeries, costs are covered at decreasing rates for the second and third surgeries (50% and 25% respectively).
Critical Illness Coverage: Includes treatments for cancer, heart surgery, organ transplants, and more.

Eligibility Criteria for PMJAY

Eligibility for PMJAY is determined based on SECC-2011 data. Below are the specific criteria for rural and urban households:

For Rural Households:
1. Families living in kucha houses with one room.
2. Households with no adult male members aged 16-59 years.
3. Families with a disabled member and no able-bodied adult member.
4. SC/ST households.
5. Landless families dependent on manual casual labor.
For Urban Households:

PMJAY covers workers in the following occupations:
1. Domestic workers
2. Street vendors
3. Sanitation workers
4. Construction laborers
5. Transport workers (drivers, conductors, rickshaw pullers)

Tip: To check eligibility, visit the official PMJAY website and use the “Am I Eligible?” tool.

Who is Not Eligible for Ayushman Bharat Yojana?

The following groups are excluded from PMJAY coverage:

Households owning vehicles like cars or two-wheelers.
Government employees.
Families with an annual income exceeding ₹10,000.
Owners of agricultural land above 5 acres.
People with refrigerators, landline phones, or farming equipment.

How to Register for PMJAY Scheme Online?

Follow these simple steps to register for the Ayushman Bharat Yojana online:

Visit the official PMJAY portal.
Click on the “Am I Eligible?” option.
Enter your mobile number, CAPTCHA, and the OTP received.
Select your state and provide details like your name, ration card number, or household number.
If eligible, your name will appear on the results screen.

Pro Tip: Keep your Aadhaar and ration card handy during registration.

Documents Required for PMJAY Registration

To apply for PMJAY, ensure you have the following documents:

Identity Proof: Aadhaar Card or PAN Card.
Income Certificate: Proof of your family's income.
Caste Certificate: For SC/ST households.
Residential Proof: Address verification.

How to Download Ayushman Bharat Card Online?

Here's how you can download your Ayushman Bharat e-card:

Log in to the PMJAY portal with your registered credentials.
Navigate to the “Approved Beneficiaries” section.
Enter your Aadhaar or ration card details for verification.
Download your Ayushman Bharat golden card.

Common Treatments Covered Under PMJAY

PMJAY covers over 1,949 procedures, including:

Skull base surgery
Double valve replacement
Coronary artery bypass grafting (CABG)
Pulmonary valve surgery
Chemotherapy for cancer

COVID-19 Coverage Under PMJAY

The Ayushman Bharat scheme also covers expenses related to COVID-19 treatment, including:

Quarantine and isolation costs.
Hospitalization for COVID-19-related complications.
Diagnostic tests at empanelled hospitals.

PMJAY Toll-Free Helpline

For queries or assistance, you can contact the PMJAY helpline:

14555
1800-111-565

Check Out Other Government Health Insurance Plans

Other Govt Scheme Related Pages
PMJAY Beneficiary Identification System	Check PMJAY Eligibility Online	Apply PMJAY Card
Types of Government Health Insurance Schemes	Ayushman Bharat Digital Mission	Dr YSR Aarogyasri
Ayushman Bharat Yojana (Hindi)	Yeshasvini	Swasthya Sathi
Mahatma Jyotirao Phule Jan Arogya	Universal Health Insurance	Mukhyamantri Amrutum
Chiranjeevi Yojana	Ayushman Bharat Rajasthan Swasthya Bima Yojana	Pravasi Bharatiya Bima Yojana
Chiranjeevi Health Insurance Scheme (Hindi)	Download Ayushman Bharat Card	Check Ayushman Bharat Card Status
Apply Ayushman Bharat Card	Beneficiary Login on NHA Portal	Register Online for PMJAY
How to Register for the ABHA Health ID Card?	How to Download the ABHA Health ID Card?	ABHA Card Eligibility Criteria
Differences Between ABHA Card and Ayushman Card	9 Key Benefits of the ABHA Health ID Card	Ayushman Card

FAQs About PMJAY

👉 What is an Ayushman Bharat card?

Ans: People who are eligible to avail benefits under the PMJAY scheme can apply for an Ayushman Bharat e-card. This card can be used as proof to avail healthcare benefits under the PMJAY scheme in the future. The card is issued after verifying the beneficiary’s identity at a PMJAY kiosk with the help of identity documents, like the ration card or Aadhaar card.
Family identification proofs that can be produced include a government-certified list of members and an RSBY card, among others. Once the verification is completed, the Ayushman Bharat e-card is printed along with the unique AB-PMJAY ID.
👉 What is the process to get an Ayushman card?

Ans: There is no special registration procedure for the Ayushman Bharat scheme. All beneficiaries under PMJAY are either a part of the RSBY scheme or identified by the SECC-2011. Once you have checked your eligibility for the scheme, you can download your Ayushman Bharat card.
👉 How can senior citizens register for PMJAY?

Ans: Senior citizens can register by visiting a nearby Common Service Centre (CSC) or an empanelled hospital with valid identification documents.
👉 Is there any premium for PMJAY?

Ans: No, PMJAY is completely free for eligible beneficiaries.
👉 Can I apply for PMJAY offline?

Ans: Yes, you can visit your nearest CSC or any empanelled hospital for offline registration.
👉 Do the beneficiaries have to pay anything to get coverage under the Ayushman Bharat health insurance scheme?

Ans: No. The Ayushman Bharat PMJAY scheme offers free healthcare services to the beneficiaries. It covers both secondary and tertiary in-patient hospitalization expenses as per identified packages at empanelled private hospitals and all government hospitals. Moreover, it provides cashless and paperless access to in-patient hospital care to all beneficiaries.
👉 Are diabetic patients covered under the PM Ayushman Bharat Yojana Scheme?

Ans: Yes, you will be insured from day 1 under the PMJAY scheme even if you have diabetes, but only for in-patient hospitalization, as it covers all pre-existing diseases. However, the coverage will be limited to in-patient hospitalization expenses and not OPD expenses.
👉 How would I know whether the hospital provides the relevant package under Ayushman Bharat Yojana while I am travelling to another state?

Ans: To know if a hospital offers the desired health package under the PMJAY scheme, you can call the Ayushman Bharat toll-free helpline number i.e. 14555. You can also check with the Arogya Mitra appointed to the hospital about the desired health package.
👉 What should I do if the hospital refuses to treat a beneficiary under the Ayushman Bharat Scheme?

Ans: In case a hospital refuses to treat a beneficiary under the Ayushman Bharat scheme, you can file a grievance. The grievance will be redressed within 30 days of filing the complaint by a dedicated Grievance Redressal Committee appointed at the national, state, and district levels.
👉 Is cancer covered under the Ayushman Bharat Yojana Scheme?

Ans: Yes, Ayushman Bharat Yojana covers cancer treatment, but the cancer type and treatment duration for different types of cancers may vary.
👉 Is health insurance cover under the Ayushman Yojana scheme enough?

Ans: The PMJAY scheme, launched by the Government of India, provides healthcare services of up to ₹5 lakh to people below the poverty line who cannot afford to pay the insurance premium every year. However, keeping medical inflation and the increase in lifestyle diseases in mind, a health insurance plan of at least ₹10 lakh is essential nowadays to adequately cover the treatment cost of diseases like diabetes, cancer, etc. You can also buy a ₹1 crore health insurance policy to ensure comprehensive coverage if the premium suits your budget.
👉 How to update data in PMJAY?

Ans: All beneficiaries of the PMJAY scheme can update their data by calling the helpline number on 14555 or 1800-111-565 or by visiting the Common Service Centre (CSC).
👉 How to change mobile number in PMJAY?

Ans: To change your registered mobile number under PMJAY, you can contact your State Health Agency (SHA) or call the PMJAY toll-free number on 14555 or 1800-111-565.
👉 Does PMJAY cover people above the age of 80 years?

Ans: Yes, the Ayushman Bharat PMJAY scheme covers people above the age of 80 years as the scheme does not have any age limit.
👉 Does PMJAY scheme offer coverage to farmers?

Ans: The PMJAY scheme offers coverage to farmers in both rural and urban areas, provided they fulfil the eligibility criteria.
👉 Does Ayushman Bharat cover orthopaedics treatment?

Ans: Yes. The Ayushman Bharat scheme offers coverage for orthopaedics treatment up to a specified limit.
👉 Does PMJAY cover pre-existing diseases?

Ans: Yes. All pre-existing diseases are covered under PMJAY from day 1
👉 How can I find my Household ID number for PMJAY?

Ans: The Household or HH ID number is of 24 digits and is provided to families identified under the SECC. You can find your HH ID number by logging in to the official website of the PMJAY scheme.

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