Pradhan Mantri Jan Arogya Yojana (PM-JAY) 2024, Features, Benefits and Eligibility

Pradhan Mantri Jan Arogya Yojana 2024

Pradhan Mantri Jan Arogya Yojana: India has taken a big step forward in providing affordable healthcare to everyone with the launch of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) by Prime Minister Narendra Modi on September 23, 2018, in Ranchi, Jharkhand. This program aims to ensure that every citizen gets the healthcare they need. It’s the world’s largest government-funded healthcare program, benefiting over 50 crore people.

Overview Table Of Pradhan Mantri Jan Arogya Yojana

Aspects	Details
Scheme Name	Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
Launch Date	September 23, 2018
Launched By	Prime Minister Narendra Modi
Objective	Provide affordable healthcare to all citizens
Coverage	Cashless healthcare coverage up to INR 5,00,000 per year
Beneficiaries	Over 10.74 crore impoverished families
Eligibility	Families listed in Socio-Economic Caste Census (SECC) 2011
Components	– Comprehensive Primary Health Care (CPHC) – Health coverage for secondary and tertiary care
Achievements (as of May 8, 2024)	– Over 34 crore Ayushman cards created – 20 lakh cards issued in the last month – Facilitated over 6.8 crore hospital admissions overall – Wide network of over 30,000 hospitals
Documents Required	– Proof of age and identity – Contact information – Caste certificate – Income certificate – Documentation verifying family status
Critical Diseases Covered	Carotid angioplasty with stent Prostate cancer treatment Coronary artery bypass grafting Skull base surgery Pulmonary valve surgery Double valve replacement surgery Anterior spine fixation Tissue expander for disfigurement resulting from burns

What Is Pradhan Mantri Jan Arogya Scheme?

Ayushman Bharat introduced the Pradhan Mantri Jan Arogya Scheme, launched nationwide on September 23, 2018, by Prime Minister Narendra Modi. It aims to offer free, accessible, and quality healthcare to the underprivileged. Without any family size restrictions, this program provides cashless healthcare coverage of up to INR 5,00,000 per family per year for over 10.74 crore impoverished families. Families listed in the Socio-Economic Caste Census (SECC) 2011 are eligible. State health agencies (SHAs) have been set up by states to implement this scheme.

Once fully implemented, AB PMJAY will become the world’s largest government-funded healthcare program, aiming to accelerate India’s progress towards achieving Universal Health Coverage (UHC) and Sustainable Development Goal 3 (SDG 3).

आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना

“आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना” एक महत्वपूर्ण स्वास्थ्य योजना है जो भारत सरकार द्वारा शुरू की गई है। यह योजना 23 सितंबर, 2018 को श्री नरेंद्र मोदी द्वारा लॉन्च की गई थी। इसका मुख्य उद्देश्य सभी नागरिकों को मुफ्त और सुलभ स्वास्थ्य सेवाओं की पहुंच प्रदान करना है।

आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना के तहत, सभी गरीब और कमजोर वर्गों को उच्च गुणवत्ता वाले चिकित्सा सुविधाएं मुहैया कराई जाती हैं। परिवार की आकार की कोई सीमा नहीं है, और प्रति परिवार प्रति वर्ष तक कैशलेस स्वास्थ्य लाभ कवरेज उपलब्ध है। इस योजना के तहत अस्पताल में चिकित्सा उपचार के लिए INR 5,00,000 तक की खर्च कवरेज होती है।

आयुष्मान भारत प्रधानमंत्री जन आरोग्य योजना के अंतर्गत, सामाजिक आर्थिक जाति जनगणना (एसईसीसी) 2011 की सूची में शामिल गरीब परिवारों को योजना का लाभ मिलता है। यह योजना भारत की जनता के स्वास्थ्य को सुधारने में महत्वपूर्ण भूमिका निभा रही है और उन्हें सस्ते और उच्च गुणवत्ता वाले चिकित्सा सेवाओं का पहुंच प्रदान कर रही है।

Pradhan Mantri Jan Arogya Yojana Progress Highlights

Ayushman Bharat is making healthcare accessible to millions in India. With over 34 crore Ayushman cards created so far, and 20 lakh cards issued in the last month alone, the program is expanding rapidly as on 8th May, 2024.

It has facilitated over 6.8 crore hospital admissions overall, with nearly 19 lakh admissions in the last month and around 28,000 yesterday. The initiative has a wide network of hospitals, totaling over 30,000, including both public and private facilities.

This shows Ayushman Bharat’s dedication to providing quality healthcare to everyone, no matter their background.

Pradhan Mantri Jan Arogya Yojana Features

• Ayushman Bharat aims to enhance Universal Healthcare through Health and Wellness Centers (HWCs) at the primary level and financial protection for secondary and tertiary care.
• It consists of two main components:

1. Establishment of 1,50,000 HWCs offering Comprehensive Primary Health Care (CPHC), including maternal and child health services and non-communicable disease management.
2. Implementation of Pradhan Mantri Jan Arogya Yojana (PMJAY) providing health coverage for secondary and tertiary care to poor and vulnerable families.

• The first HWC was inaugurated by the Prime Minister in Jangla, Bijapur, Chhatisgarh, on April 14, 2018.
• HWCs will also serve to raise awareness about PMJAY, conduct screenings for non-communicable diseases, and ensure follow-up care for hospitalized individuals, among other services.

Pradhan Mantri Jan Arogya Yojana Benefits

• Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) will cover up to Rs. 5 lakhs per family annually for hospitalization at secondary and tertiary care levels.
• Over 10.74 crore vulnerable families (about 50 crore people) will qualify for these benefits.
• PMJAY ensures beneficiaries can access services without needing cash or paperwork.
• It aims to reduce the financial strain of hospitalizations, preventing families from falling into poverty due to medical bills.
• Eligible families can get the healthcare they need without financial worries.
• When fully implemented, PMJAY will be the world’s largest government-funded health protection scheme, a big step towards Universal Health Coverage (UHC).

Pradhan Mantri Jan Arogya Yojana Eligibility

To benefit from the Ayushman Bharat Yojana health insurance scheme, it’s crucial for everyone to verify their inclusion in the Socio Economic and Caste Census-2011 data. This step helps ensure whether their family qualifies for coverage under the Ayushman Bharat Yojana. Below are the eligibility criteria for both rural and urban households under the Pradhan Mantri Jan Arogya Yojana:

Pradhan Mantri Jan Arogya Yojana enables eligible members to access healthcare services nationwide.

Eligibility Criteria for Rural Households:

PMJAY Scheme considers the following rural households eligible based on six deprivation criteria:

1. Families living in one room with kucha walls and roof (D1)
2. Households with no adult member aged 16-59 years (D2)
3. Families with no adult male member aged 16-59 years (D3)
4. Households without an able-bodied adult member or with a disabled member (D4)
5. SC/ST households (D5)
6. Landless households earning a significant part of their income from manual casual labor (D6)

Eligibility Criteria for Urban Households:

PMJAY Scheme recognizes the following urban households as eligible based on 11 occupational categories:

1. Domestic workers
2. Beggars
3. Ragpickers
4. Home-based workers/artisans/tailors/handicrafts workers
5. Sanitation workers/sweepers/malis
6. Construction workers/laborers/painters/welders/security guards/plumbers/coolies/masons and other head-load workers
7. Chowkidars/washer-men
8. Electricians/mechanics/assemblers/repair workers
9. Transport workers/rickshaw pullers/conductors/cart pullers/drivers/helpers to drivers and conductors
10. Waiters/shop workers/assistants/attendants/helpers/peons in small establishments/delivery assistants
11. Street vendors/hawkers/cobblers/other service providers on the street

Pradhan Mantri Jan Arogya Yojana Apply Online

• Go to the official government website dedicated to the PMJAY scheme at https://pmjay.gov.in/.
• Look for the ‘Am I Eligible’ tab located on the right-hand side of the page and click on it.

• Provide your mobile number, and CAPTCHA code.
• If your name is on the beneficiary list, you will receive an OTP on the mobile number linked to your account. Enter the OTP to confirm your identity.
• Enter your state and personal details such as your name, ration card number, household number, or mobile number.
• Upon verification, if your family is covered under the Ayushman Bharat Yojana, your name will appear in the results.
• Once your identity is confirmed, you will be redirected to a new page where you can download the Ayushman Bharat card (PMJAY card).
• Click on the “Download Card” option provided on the screen.
• Your Ayushman Bharat card will be downloaded in PDF format.

Pradhan Mantri Jan Arogya Yojana Documents Required

To apply for the Ayushman Bharat PMJAY scheme, you’ll need the following documents:

• Proof of age and identity (Aadhaar Card or PAN Card)
• Contact information (mobile number, address, email)
• Caste certificate
• Income certificate
• Documentation verifying the current family status to be covered (Joint or nuclear)

List of Critical Diseases Covered by PMJAY

PMJAY provides coverage for 1,949 procedures across both private network hospitals and public hospitals. Here are some of the critical illnesses covered under the Ayushman Yojana:

• Carotid angioplasty with stent
• Prostate cancer treatment
• Coronary artery bypass grafting
• Skull base surgery
• Pulmonary valve surgery
• Double valve replacement surgery
• Anterior spine fixation
• Tissue expander for disfigurement resulting from burns

Ayushman Bharat Health Accounts (ABHA)

Ayushman Bharat Health Accounts (ABHA) are an essential part of India’s flagship national health protection scheme, the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). ABHA helps manage cashless transactions and finances for healthcare services under Ayushman Bharat. Here’s a simple explanation of Ayushman Bharat Health Accounts:

Introduction:

Ayushman Bharat Health Account (ABHA) is like a digital record that collects all your health information in one place. It’s part of a plan to make healthcare more digital. Anyone can sign up for a Health ID or ABHA through the Ayushman Bharat Digital Mission (ABDM), and it’s free.

Objective:

The main goal of Ayushman Bharat Health Accounts is to create a smooth financial system for Ayushman Bharat. It makes sure that the money allocated for healthcare is used transparently, responsibly, and is easily accessible.

Creating/Linking ABHA Number with CGHS (Central Government Health Scheme) Beneficiary ID:

Ensure that your mobile number is linked to the CGHS card. Ensure that your Aadhaar card is linked to the aforementioned phone number.

Step 01: Visit the CGHS website www.cghs.nic.in and Log in using Beneficiary Log-in.

Step 02: Go to the ‘Update’ Tab and Click on ‘Create/Link ABHA ID’.

Step 03: Under “Beneficiary Name”, you’ll see the option ‘Create/Link ABHA ID’. Click on it.

Step 04: If you don’t have an ABHA number, click on ‘I don’t have an ABHA number’, then:

• Enter your Aadhaar number.
• Accept the Consent Message.
• Click on Get Aadhaar OTP.
• Enter Aadhaar OTP.
• Click on ‘Verify OTP’.

If the data matches successfully, your ABHA number is created and linked with the CGHS beneficiary ID.

*If you already have an ABHA number, in step 04, instead of clicking on ‘I don’t have an ABHA number’, enter your 14-digit ABHA number and proceed by verifying OTP.

Conclusion

In conclusion, Ayushman Bharat’s Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) marks a significant milestone in India’s healthcare journey. Through AB-PMJAY and the establishment of Health and Wellness Centers (HWCs), India is advancing towards Universal Health Coverage (UHC) and Sustainable Development Goal 3 (SDG 3), ensuring equitable access to quality healthcare nationwide.

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