Ayushman Bharat Yojana / Ayushman Bharat Scheme

Ayushman Bharat Yojana / Ayushman Bharat Scheme Prime Minister Narendra Modi in his Independence Day speech in 2018 announced the launch of Ayushman Bharat National Health Protection Scheme (AB-NHPS).

The Central Government of India has declared a project a called Ayushman Bharat Yojana / Ayushman Bharat Scheme Details with this purpose in mind and the primary objective of this program is to revolutionize the healthcare system in India.Under this scheme, poor people in India become eligible for cashless treatment worth 5 lakh in all government hospitals also selected private hospitals in India. Moreover, 150,000 new health and wellness centers will start for free health treatment and low-cost medicines for the poor and needy people.Making Ayushman Bharat scheme the representative of all the healthcare initiatives in Budget 2019-20.

Since its launch, the scheme has been renamed as PM Jan Arogya Yojana (PMJAY). It offers insurance cover of Rs 5 lakh per family. About 50 crore citizens stand to benefit, and it covers only the poor and economically backward segment.

Who does the scheme cover?

The scheme is aimed at providing insurance cover to economically backward people in rural and urban areas who will be identified on the basis of data from the Socio-Economic Caste Census (SECC) 2011. The cover will be Rs 5 lakh per family per year.The entire process is paperless and cashless in public hospitals and empanelled private hospitals. Also, to include more women and children in the scheme, there’s no limit on the age and size of the families.

Ayushman Bharat Yojna Eligibility-

To avail the benefit of this scheme, it is compulsory for all the people to check their names in the Socio-Economic Caste Census (SECC)-2011 data. By this they can confirm whether their family is listed under the scheme i.e. eligible or not. Only those families are entitled to avail the benefits whose names are listed in the SECC database. In addition to this, families having an active RSBY card as on 28th February are also eligible.Women, girl child and senior citizens will be given priority under this scheme. Applicants have to pay only Rs 1000 to 1200 annual premium for this program. It explains the very nominal amount compared to the benefits available. Cashless treatment becomes reality with this Ayushman Bharat Scheme Details you can approach the government selected hospitals for the treatment. The applicant should have an Aadhar card because of this service linked to the Aadhar card. You have to submit the application online with address proof, bank details also other related details asked by the government.

For rural areas:

• Families with no adult members aged between 16 and 59
• Families having at least one disabled member and no able-bodied adult member
• SC/ST households
• Landless households deriving a major part of their income from manual casual labour
• Families living in only one room with kachcha walls and kachcha roof
• Tribal groups
• Legally-released bonded labourers

For urban areas:

• Beggar
• Domestic worker
• Sweeper/ sanitation worker/ gardener
• Home-based worker/ artisan/ handicrafts worker / tailor
• Transport worker/ driver/ conductor/ helper to drivers and conductors/ cart-puller/ rickshaw puller
• Construction worker/ plumber/ mason/ labour/ painter/ welder/ security guard/ coolie and other head-load workers
• Shop worker/ assistant/ peon in small establishment/ helper/ delivery assistant / attendant/ waiter
• Electrician/ mechanic/ assembler/ repair worker
• Washerman/ chowkidar
• Street vendor/cobbler/hawker/ other service providers working on the streets.

How does the scheme work?

The scheme covers medical expenses for secondary care and most tertiary care procedures. No premium needs to be paid by the beneficiaries for the insurance cover. The insurance includes pre- and post-hospitalisation expenses.

All the empanelled hospitals will have ‘Ayushman Mitra’, a person recruited to coordinate with the beneficiaries of the scheme and provide assistance to patients. A helpdesk will also be provided at all the empanelled hospitals to identify eligibility, authenticate documents, and assist in the enrolment process.

50 Crore people will get covered under Ayushman Bharat Scheme DetailsThese would go a long way in helping people in rural areas take full advantage of the Ayushman Bharat health insurance scheme and set India on track towards a better standard of living.

What about the Scheme premium?Under Ayushman Bharat scheme, Government of India offers health insurance for 50 crore people belonging to 10 crore families. It is the biggest government health care program in the world and Rs 5 lack will provide under this scheme to families. There is no restriction on the number of family members and you can add as much as you want.you have to pay only a premium between Rs 1000 and 1200 on a yearly basis. You just have to save Rs 100 per month to pay this premium and any number of family members.Indian government hospitals also private hospitals come under the Ayushman Bharat Yojana / Ayushman Bharat Scheme Details. You can visit one of those government hospitals for cashless treatment.

Features and benefits of this scheme-

• The benefits cover provided is of rupees 5 lakh per year for families enrolled.
• The treatment is available all across the nation except for the states that opted out from Ayushman Bharat Yojna.
• The treatment under this scheme does not require a single rupee and is absolutely free of cost.
• The coverage provided that is of 5 lakhs, is for the entire family regardless of the family size.
• Under Ayushman Bharat Yojna, more than 1.5 health and wellness centers will be established according to the latest SECC or Socio-Economic Caste Census data.

 Documents to apply for Ayushman Bharat card -

• Age proof document: It is required as proof to ensure whether the person is responsible enough to enroll his or her family in this scheme or not. However, everyone can be a part of this scheme but the enrolment can only be done by adults member who is the bread earner of the family.
• Identification Details: To be enrolled in this scheme, applicants are required to produce their identification details as well. They can use their Aadhar card and PAN card as a source for identification.
• Contact information: to contact a person, their contact information such as mobile number, address, and email are also needed.
• Family Structure: the Family structure is to be mentioned while enrolling for this scheme. By family structure, it means whether the family is joint or nuclear.
• Income Certificate: by income certificate, it means the annual income of a person. People will be getting the benefits as per the prescribed annual income criteria i.e. maximum income being 5 lakh per year.
• Caste certificate: people belonging to the reserved category will need their caste certificate as to enjoy other benefits introduced for them under this scheme.
• Under this scheme, a person is not required to pay any premium, charges, or fees for the expenses incurred during or after hospitalization. This scheme not only covers the expenses arising before or during hospitalization but also the post-hospitalization expenses.

Process of hospitalization Under Ayushman Bharat yojana:

• The hospitals, which have been impanelled under Ayushman Bharat Yojna, will have “Ayushman Mitra” to assist patients who will coordinate with the hospital’s beneficiary so as to cut the expenses. These “ayushman Mitra” will have a help desk and will be verifying documents, eligibility and the enrolment scheme for you. Beneficiaries will be given letters with QR codes.
• Further, the scanning and authentication of this QR code are conducted for identification and verification of the eligibility of people for this scheme so that they can avail the benefits.