Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana
Scheme Scope: All India (Central Scheme)
Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana National Health Authority (NHA) dwara chalayi ja rahi duniya ki sabse badi health insurance scheme hai. Isme har saal ek parivar ko ₹5 Lakh tak ka muft (cashless) hospital ilaj milta hai.
About This Scheme
Ayushman Bharat PM-JAY Bharat sarkar ki ek flagship scheme hai jiska maqsad gareeb aur kam-aamdani wale logo ko muft health coverage dena hai.
Ye duniya ki sabse badi "Government-funded health insurance scheme" hai, jo har saal ek parivar ko ₹5 Lakh ka health cover deti hai.
Ye scheme September 2018 mein Ranchi, Jharkhand se launch ki gayi thi. Iska main aim "Universal Health Coverage" ko achieve karna hai.
Is scheme mein secondary aur tertiary care ke liye hospitals mein admit hone ka kharcha cover kiya jata hai.
Public and Private: Iske tahat sarkari aur panel se jude private hospitals dono mein ilaj karwaya ja sakta hai.
Total Beneficiaries: Iska lakshya lagbhag 12 crore se zyada parivaron (yaani 50 crore se zyada logon) tak pahunchna hai.
Funding: Iska kharcha Kendra (Central) aur Rajya (State) sarkarein milkar uthati hain (zyadatar states mein 60:40 ka ratio hota hai).
Who Can Apply?
Official portals ke mutabiq, iska selection SECC 2011 data aur Ration Card ke aadhar par hota hai:
Rural: Kachhe makaan, bhumihin mazdoor, aur SC/ST parivar.
Urban: 11 types ke occupational workers (jaise ragpickers, construction workers, domestic help).
Senior Citizens (70+): 2024 ke baad se, 70 saal se upar ke sabhi nagrik iske liye patra hain (Ayushman Vay Vandana Card).
Exclusions: Sarkari naukri wale ya Income Tax bharne wale parivar isme shamil nahi hain
Benefits
₹5 Lakh Coverage: Secondary aur Tertiary care (badi bimariyon) ke liye har saal ₹5 lakh ka cover.
Cashless Treatment: Hospital mein koi cash nahi dena padta.
Pre-existing Diseases: Purani bimariyan pehle din se hi cover hoti hain.
Pre & Post Hospitalization: Hospital mein admit hone se 3 din pehle aur discharge ke 15 din baad tak ka kharcha cover hota hai.
Portability: Pure India mein kisi bhi "Empanelled Hospital" mein card chalta hai
Application process
Check Status: Sabse pehle beneficiary.nha.gov.in portal par ya 'Ayushman App' par apna mobile/Aadhaar dalkar check karein ki aapka naam list mein hai ya nahi.
e-KYC: Agar naam hai, toh Aadhaar OTP ya Face scan se online e-KYC karein.
Physical Visit: Aap apne paas ke Common Service Centre (CSC) ya hospital mein Ayushman Mitra se milkar bhi card banwa sakte hain.
Documents: Aadhaar Card aur Ration Card (Family ID) ki zaroorat hoti hai.
Official Helpline: 14555 (24x7 available)
How to Apply
Click the button below to apply directly on the official Portal.
Apply