Tuesday, May 18, 2021

PM Jan Arogya Yojana Health Scheme under Ayushman Bharat Features Benefits Register Online @pmjay.gov.in

 Pradhan Manthri Jan Arogya Yojana / Ayushman Bharat is Prestigious Programme initiated by Shree Narendra Modi for the sake of vulnerable people in India. Many states in the country have joined in the Scheme as it is well designed for the targeted people. TS Government also joined in the Ayushman Bharat Health Scheme which i s lead by the Union Govt of India. Here we should know the details of PM Jan Arogya Yojana such as Eligibility, Benefits and How to Register / Apply Online at its  official website, https://pmjay.gov.in/. Ayushman Bharat, a flagship scheme of Government of India, was launched as recommended by the National Health Policy 2017, to achieve the vision of Universal Health Coverage (UHC). This initiative has been designed to meet Sustainable Development Goals (SDGs) and its underlining commitment, which is to "leave no one behind."

About PMJAY Ayushman Bharat Scheme

The second component under Ayushman Bharat is the Pradhan Mantri Jan Arogya Yojna or PM-JAY as it is popularly known. This scheme was launched on 23rd September, 2018 in Ranchi, Jharkhand by the Hon’ble Prime Minister of India, Shri Narendra Modi.

Ayushman Bharat PM-JAY is the largest health assurance scheme in the world which aims at providing a health cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization to over 10.74 crores poor and vulnerable families (approximately 50 crore beneficiaries) that form the bottom 40% of the Indian population. The households included are based on the deprivation and occupational criteria of Socio-Economic Caste Census 2011 (SECC 2011) for rural and urban areas respectively. PM-JAY was earlier known as the National Health Protection Scheme (NHPS) before being rechristened. It subsumed the then existing Rashtriya Swasthya Bima Yojana (RSBY) which had been launched in 2008. The coverage mentioned under PM-JAY, therefore, also includes families that were covered in RSBY but are not present in the SECC 2011 database. PM-JAY is fully funded by the Government and cost of implementation is shared between the Central and State Governments.

Key Features of PM JAY Ayushman Bharat

  1. PM-JAY is the world’s largest health insurance/ assurance scheme fully financed by the government.
  2. It provides a cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization across public and private empanelled hospitals in India.
  3. Over 10.74 crore poor and vulnerable entitled families (approximately 50 crore beneficiaries) are eligible for these benefits.
  4. PM-JAY provides cashless access to health care services for the beneficiary at the point of service, that is, the hospital.
  5. PM-JAY envisions to help mitigate catastrophic expenditure on medical treatment which pushes nearly 6 crore Indians into poverty each year.
  6. It covers up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses such as diagnostics and medicines.
  7. There is no restriction on the family size, age or gender.
  8. All pre–existing conditions are covered from day one.
  9. Benefits of the scheme are portable across the country i.e. a beneficiary can visit any empanelled public or private hospital in India to avail cashless treatment.
  10. Services include approximately 1,393 procedures covering all the costs related to treatment, including but not limited to drugs, supplies, diagnostic services, physician's fees, room charges, surgeon charges, OT and ICU charges etc.
  11. Public hospitals are reimbursed for the healthcare services at par with the private hospitals.

PMJAY Ayushman Bharat Scheme Benefits
Benefit cover under various Government-funded health insurance schemes in India have always been structured on an upper ceiling limit ranging from an annual cover of INR30,000 to INR3,00,000 per family across various States which created a fragmented system. PM-JAY provides cashless cover of up to INR5,00,000 to each eligible family per annum for listed secondary and tertiary care conditions. The cover under the scheme includes all expenses incurred on the following components of the treatment.

  • Medical examination, treatment and consultation
  • Pre-hospitalization
  • Medicine and medical consumables
  • Non-intensive and intensive care services
  • Diagnostic and laboratory investigations
  • Medical implantation services (where necessary)
  • Accommodation benefits
  • Food services
  • Complications arising during treatment
  • Post-hospitalization follow-up care up to 15 days

How to Register Online for PM JAY Ayushman Bharat

Here are the steps to Register/ Apply Online for the Pradhan Manthri Jan Arogya Yojana Ayushman Bharat Health Scheme
  1. Visit the Official website www.mera.pmjay.gov.in
  2. Here you have to Logon to the Government website
  3. Enter Your Mobile number
  4. Enter the Captcha Code
  5. Click on Generate OTP
  6. Enter the OTP and Verify

So, these were some initial steps you need to follow for Ayushman Bharat Yojana (PM-JAY) registration.

After PM Ayushman Bharat Yojana registration you do not need to enrol anywhere to claim benefits under PMJAY Ayushman Bharat Yojana. You just need to get yourself identified at the nearest empanelled hospital or Community Service Centre (CSC).