Can You Avail Cashless Treatment Under Ayushman Bharat Scheme?

If you are a beneficiary under Ayushman Bharat Scheme, then you will get the Ayushman healthcard. With this card, you will be able to enjoy the cashless treatment and hospitalization facility under the Ayushman Bharat Yojana. This is a golden card that enables you to avail of the cashless benefits at any of the network hospitals. And this includes both public and private hospitals.

Read More

Policybazaar exclusive benefits
30 minutes claim support##
(In 120+ cities)
Relationship manager
For every customer
24*7 claims assistance
In 30 mins. guaranteed*
Instant policy issuance
No medical tests~
People trust Policybazaar^
7.7 crore
Registered consumers
50
Insurance partners
4.2 crore
Policies sold
Policybazaar is one of India's leading digital insurance platform
0%
Find affordable plans with up to 25% Discount**

Select members you want to insure

  • More Members
  • Back
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Maximum child sum can be 4
    This will help us calculate the premium & discounts for your family
    Previous step
    Continue
    This will help us to find the network of Cashless Hospitals in your city

      Popular Cities

      Previous step
      Continue
      Get to plans directly next time you visit us
      Please provide your active international number
      Previous step
      Continue
      We will find you the plans that cover your condition.

      Do any member(s) have any existing illnesses for which they take regular medication?

      Get updates on WhatsApp

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step

      About Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)

      In 2018, the Modi government replaced the Rashtriya Swasthya Bima Yojana (RSBY) with Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). It is the world's largest health assurance program that provides health insurance coverage of ₹5 lakh per family annually for secondary and tertiary care hospitalization.

      This scheme supports over 12 crore vulnerable and poor families in India, covering around 55 crore people, which roughly forms the bottom 40% of India's population. The families or households eligible for this scheme are selected based on the occupational and deprivation criteria stated in the Socio-Economic Caste Census 2011 (SECC 2011) for urban and rural areas.

      Moreover, this government health insurance scheme covers more than 1,900 medical procedures and therapies for which the beneficiary can avail treatment at any of the empanelled public or private hospitals within India.

      Is Cashless Treatment Available Under the Ayushman Bharat Scheme?

      Yes.

      The Ayushman Bharat scheme provides cashless and paperless healthcare services in both public and private hospitals that are part of the program. This means that beneficiaries, regardless of their home state, can receive treatment at any empanelled hospital across India up to ₹5 lakh per year for secondary and tertiary hospitalization.

      How to Avail Cashless Treatment Under the Ayushman Bharat Scheme?

      The steps to avail of cashless treatment facility under the AB-PMJAY scheme are as follows:

      Step 1: Upon hospital admission, the beneficiary gets registered under the scheme. During the procedure, assistance is provided by an ‘Aarogyamitra'.

      Step 2: Based on the planned medical procedures and diagnostic tests, the hospital obtain authorization from the society managing the Ayushman Bharat Yojana.

      Step 3: The hospital then applies for reimbursement after the patient is discharged from the hospital. The entire cost of treatment has to be within the determined package cost.

      Note: To avail of cashless benefits under the PMJAY, the beneficiaries need an Ayushman Bharat Yojana Card.

      How to Download the PMJAY Card Online?

      To ensure cashless treatment and paperless transactions through the Ayushman Bharat Scheme, PMJAY golden card is issued to the beneficiaries. The PMJAY e-card holds all the details of the patient, and is essential to furnish this card at the time of availing cashless treatment at the network hospital.

      The process to download the PMJAY card online is given below:

      Step 1: Go to the official Ayushman Bharat website and tap on 'Am I Eligible' option in the top menu.

      Step 2: Choose the 'Beneficiary' option and type the captcha code along with your registered phone number.

      Step 3: Verify your phone number by entering the OTP you received on your number.

      Step 4: Once you log in, select 'PMJAY' under the 'Scheme' menu and make relevant selections under the 'State', ‘District' and ‘Sub-Scheme' menu.

      Step 5: Under the 'Search By' option, choose Aadhaar Number, PMJAY ID or Family ID option as per your preference and type in the requested details

      Step 6: After successful verification, the list of all family members registered under the PMJAY scheme will be displayed.

      Step 7: Click on the name of the family member whose PMJAY card you want to download.

      Step 8: Hit the 'Download' button next to the name to download the card in PDF format on your device.

      FAQs

      • Q1. Is Ayushman Card valid in private hospitals?

        Ans: Yes, the Ayushman Bharat card is valid in private hospitals, but only in those that are empanelled under the Ayushman Bharat scheme. You can check the list of empanelled hospitals on the official Ayushman Bharat website.
      • Q2. How to use the Ayushman card in a hospital?

        Ans: To use the Ayushman card in a hospital, visit an empanelled hospital along with your Ayushman card and a valid ID proof. Next, inform the hospital staff that you are an Ayushman Bharat beneficiary, and then the hospital's helpdesk will verify your eligibility using your card. Once verified, you can avail yourself of free treatment for covered illnesses under the scheme.
      • Q3. What are the benefits of the Ayushman card in private hospitals?

        Ans: The multiple benefits of the Ayushman card involve free treatment up to ₹5 lakh per family per year for listed illnesses. It moreover provides cashless treatment at both public and private empanelled hospitals. This means that you do not have to pay anything out of pocket for covered procedures.
      • Q4. Is Ayushman Bharat cashless?

        Ans: Yes, Ayushman Bharat offers fully cashless treatment at empanelled hospitals. Beneficiaries do not need to pay for covered treatments, as the costs are directly settled between the government and the hospital.
      book-home-visit
      Search
      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

      Health insurance Articles

      • Recent Article
      • Popular Articles
      03 Dec 2024

      Health Insurance Checklist

      Health insurance is a crucial investment you can make to secure

      Read more
      26 Sep 2024

      Can You Get Maternity Insurance If Already...

      Pregnancy is one of the most beautiful phases of a woman’s life

      Read more
      12 Aug 2024

      Moratorium Period in Health Insurance

      Getting a health insurance claim accepted for pre-existing

      Read more
      30 Jul 2024

      Is Dengue Covered by SBI Health Insurance?

      Dengue, a common vector-borne disease, causes high fever, severe

      Read more
      30 Jul 2024

      Is Dengue Covered by Reliance Health Insurance?

      Dengue fever can negatively impact you physically and financially

      Read more

      PMJAY: 10 Major Benefits of Ayushman Bharat Yojana

      Ayushman Bharat Yojana, or Pradhan Mantri Jan Arogya Yojana (PMJAY), was launched by Prime Minister Shri Narendra

      Read more

      Zero Waiting Period in Health Insurance Plans

      Every medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A

      Read more

      Best Health Insurance Plans for Senior Citizens

      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance

      Read more

      Does Health Insurance Provide Coverage for LASIK...

      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is

      Read more

      Waiting Period in Health Insurance

      The waiting period in medical insurance refers to the duration before which certain illnesses or diseases will not

      Read more

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

      © Copyright 2008-2024 policybazaar.com. All Rights Reserved.

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL