All About PM-JAY: Benefits, Coverage, and How to Get Your E-Card
Public health schemes in India showcase the government’s commitment to improving citizens’ health and well-being. These initiatives tackle various healthcare aspects, including primary care, preventive services, and mental health support. Among them, the Pradhan Mantri Jan Arogya Yojana (PM-JAY) stands out by providing financial protection to economically vulnerable individuals.
Launched in 2018, PM-JAY, also known as Ayushman Bharat Yojana, serves as a health insurance scheme designed to enhance access to quality healthcare for those who need it the most. It covers around
50 crore Indians and has made impressive strides, with over
18,000 hospitals empanelled and
10 crore e-cards issued since its launch.
What is PM-JAY?
Pradhan Mantri Jan Arogya Yojana (PM-JAY) acts as a flagship health insurance scheme under the Ayushman Bharat initiative. It supports financially weaker sections of society by offering comprehensive health insurance coverage. The scheme provides up to
₹5 lakh per family per year for secondary and tertiary hospitalization. Here’s a quick overview:
- Coverage: Covers hospitalization costs before and after treatment.
- Cashless Treatment: Beneficiaries avail services without any out-of-pocket expenses.
- Extensive Network: More than 18,000 hospitals across India participate in the scheme.
Benefits of PM-JAY
PM-JAY delivers numerous benefits, especially for those facing economic challenges:
- Cashless Hospitalization: Covers all hospitalization expenses without requiring any upfront payment.
- Comprehensive Coverage: Includes pre-hospitalization, post-hospitalization, and complications arising from treatment.
- No Limits on Family Size or Gender: Covers all family members, regardless of age or gender.
- Pre-existing Conditions Covered: No waiting period for pre-existing diseases.
Coverage Details OF PMJAY
PM-JAY encompasses a wide range of serious illnesses and procedures, such as:
- Major Surgeries: Covers procedures like coronary artery bypass graft and double valve replacement.
- Critical Conditions: Includes coverage for illnesses such as COVID-19 and prostate cancer.
- Special Procedures: Covers treatments like tissue expanders for burn disfigurements.
How to Check Eligibility and Apply for PMJAY
Checking your eligibility for PMJAY is straightforward:
- Visit the PMJAY Portal: Go to the official PMJAY website.
- Check Eligibility: Click on “Am I Eligible?”
- Enter Your Mobile Number: Fill in your mobile number and CAPTCHA, then generate an OTP.
- Verify Your Eligibility: Check your status using your mobile number, ration card number, or HHD number.
For offline verification, visit any empanelLed healthcare provider or call the PM-JAY helpline at 14555 or 1800-111-565.
Hospitalization Process Under PM-JAY
When you need hospitalization, the PMJAY process remains seamless:
- Cashless Treatment: You won’t need to pay anything upfront at empaneled hospitals.
- Cost-Sharing: The scheme operates on a 60:40 cost-sharing model between the central and state governments.
- Medical Specialties: Covers various specialties, including neurosurgery, pediatrics, orthopedics, and cardiology.
- Surgical Expenses: If you require multiple surgeries, the highest cost is covered, with discounts for subsequent procedures.
Exclusions Under PMJAY
While PMJAY offers extensive coverage, some treatments are not included:
- Individual Diagnostics: For evaluation purposes only.
- Organ Transplants: Not covered under the scheme.
- Fertility and Cosmetic Procedures: Excluded from coverage.
- Drug Rehabilitation: Not included.
- OPD Services: Outpatient department services are not covered.
How to Download Your PM-JAY Card
The PMJAY Golden Card is essential for accessing services under the scheme. Here’s how to obtain it:
- Visit the PM-JAY Website: Go to the PMJAY Portal.
- Login: Use your registered mobile number.
- Generate OTP: Enter the CAPTCHA and your mobile number.
- Complete the Process: Provide your HHD code to the Common Service Centre (CSC).
- Payment: Pay ₹30 to receive your PMJAY card.
Get Started Today
Take advantage of PM-JAY to secure comprehensive healthcare coverage for you and your family. Check your eligibility, obtain your e-card, and enjoy cashless treatment at a wide network of hospitals.
Contact us today !
