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May 10, 2013
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How to Register for Ayushman Bharat (PM-JAY): A Complete Guide for Indian Families
Healthcare expenses can put a significant financial burden on families. The Government of India introduced the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) to ensure that citizens can get good medical care without fearing the high cost of the hospital bills. A flagship healthcare scheme offering up to ₹5 lakh hospitalisation coverage (per annum, on a cashless basis) to eligible families.
In this guide, you will learn all about the Ayushman Bharat registration process and how to avail an Ayushman Card.
What is Ayushman Bharat PM-JAY?
Ayushman Bharat PM-JAY is one of the biggest public healthcare schemes of India. It provides cover for secondary and tertiary care costs, and a panel of empanelled government and private hospitals throughout the country. Many medical treatments can be done with cashless treatment for beneficiaries who meet the requirements.
Key Benefits
- Health Coverage upto ₹5 lakhs per family per year.
- Treatment in empanelled hospitals covered by zero cash payment.
- Payment for existing illnesses
- Many categories of beneficiaries have no limit on family size.
- Thousands of treatment packages and procedures available to access at any time.
- Hospitalization, surgery, diagnostics and post-hospitalization care coverage.
Who is Eligible?
Government data bases such as Socio-Economic Caste Census (SECC) and other approved databases are generally used to determine eligibility. Qualifying families that are identified as economically vulnerable may receive benefits. Recent expansions also have seen the expansion of coverage in some states and for some groups of senior citizens.
It is important to check if your name is registered in the PM-JAY beneficiary database before applying.
Documents Required
Be sure to have the following documents available:
- Aadhaar Card
- Ration Card
- Mobile Number associated with Aadhaar
- Address Proof
The income proof or income proof form (where applicable)
- Family Identification Documents
Step-by-Step Registration Process
Step 1: Check Eligibility
Go to Ayushman Bharat official website:
Ayushman Bharat PM-JAY Portal
Verify details with the mobile number and OTP from the ‘Am I Eligible’ or beneficiary search option. You can search using:
- Name
- Ration Card Number
- Mobile Number
- Family details
Step 3: Process the application
Eligible individuals should make use of verification of identity by using Aadhaar based authentication and KYC procedures. This assists validate beneficiary information prior to the creation of cards.
Once the verification is successful, your Ayushman Card can be created online or at service centers. The card is a proof of eligibility and is accepted at the empanelled hospitals.
Step 4: Download the Card
After approval, the beneficiaries are able to download the Ayushman Card in electronic form and avail the benefits while getting treatment. The process has been made very easy with digital card generation.
Offline Registration Option
Anyone who has trouble accessing the Internet can go to:
- Common Service Centres (CSCs)
- Empanelled Hospitals
- PM-JAY Help Desks
The officials will help with the verification of eligibility, Aadhaar verification and generation of the card.
How to Use the Ayushman Card
Once you have been given the card:
- Go to one of the empanelled hospitals.
- Present your Ayushman Card and Aadhaar.
- Complete beneficiary verification.
- Access free cashless treatment under PM-JAY scheme.
Common Errors – How to Avoid Them
- Entering the wrong Aadhaar linked mobile number.
- Not checking eligibility before starting registration.
- Entering unmatched personal information.
Failure To Bring Identification to Verification
- Delaying KYC completion.
Conclusion
Ayushman Bharat PM-JAY is a revolutionary health care scheme designed to ensure that eligible families can receive quality health care without having to shell out massive hospital bills. The beneficiaries can avail cashless healthcare benefits up to ₹5 lakh per year after verification of eligibility, Aadhaar verification and generation of Ayushman Card. The registration process is both simple and accessible, be it online or offline, using a Common Service Centre, to make healthcare more accessible for millions of Indians.
