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Ayushman Card: Transforming Healthcare in India

The Ayushman Card, part of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY), is a key initiative by the Government of India to provide free health insurance to economically vulnerable citizens. This card enables access to quality healthcare services without financial burden. With this card, beneficiaries can avail of cashless treatment at empaneled hospitals across India.

What is Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?

Launched in 2018, PM-JAY is the world’s largest government-funded health insurance scheme. It provides coverage of up to ₹5 lakh per family per year for secondary and tertiary care hospitalization. The scheme covers over 10 crore families, targeting the poor and vulnerable sections of society.

Key Features of the Ayushman Card

  1. Coverage Amount: ₹5 lakh per family per year for hospitalization.
  2. Cashless and Paperless Treatment: Beneficiaries can get treatment without upfront payment at empaneled hospitals.
  3. Wide Network of Hospitals: Access to thousands of government and private hospitals across India.
  4. All Pre-Existing Conditions Covered: No exclusions based on pre-existing diseases.
  5. Portability: Beneficiaries can use the card in any empaneled hospital in India.

Benefits of the Ayushman Card

  1. Financial Protection: Reduces out-of-pocket healthcare expenses for economically weaker sections.
  2. Quality Healthcare: Provides access to some of the best hospitals and medical services.
  3. Covers a Wide Range of Treatments: Includes surgeries, diagnostics, medicines, and post-hospitalization expenses.
  4. Promotes Preventive Healthcare: Encourages early diagnosis and treatment of chronic diseases.
  5.  

Eligibility for Ayushman Card

  1. The Ayushman Card is provided to families identified based on the Socio-Economic and Caste Census (SECC) 2011 data. Eligibility criteria include:

    • Families listed under deprivation categories in rural areas (D1 to D7)
    • Urban workers in 11 defined occupational categories (e.g., ragpickers, domestic workers, rickshaw pullers)

    To check eligibility, visit the Ayushman Bharat portal and enter your mobile number or ration card details.

How to Apply for Ayushman Card

  1. ou can apply for the Ayushman Card through the following methods:

    1. Online Registration

    • Visit the PM-JAY website.
    • Enter your details to check eligibility.
    • If eligible, visit the nearest Common Service Center (CSC) for registration.

    2. Common Service Centers (CSCs)

    • Go to your nearest CSC with the required documents.
    • The operator will verify your details and complete the application process.
    • You will receive your Ayushman Card after verification.

Documents Required for Ayushman Card

    • Aadhaar Card
    • Ration Card
    • Age and Identity Proof (Voter ID, Driving License, etc.)
    • Mobile Number

How to Use the Ayushman Card

    • Visit any empaneled hospital for treatment.
    • Show your Ayushman Card at the hospital help desk.
    • The hospital will verify your identity and check your eligibility.
    • Receive cashless treatment for covered services.

Diseases Covered Under Ayushman Bharat

The scheme covers over 1,500 medical procedures, including:

  • Cardiology: Bypass surgery, stent placement
  • Orthopedics: Joint replacement, fracture repair
  • Oncology: Chemotherapy, radiotherapy
  • Neurosurgery: Brain tumor removal, spinal surgery
  • Maternity Care: Normal delivery, cesarean section
  •  

Exclusions

While the Ayushman Card covers a wide range of treatments, it does not include:

  • OPD services
  • Cosmetic surgeries
  • Drug rehabilitation
  • Fertility treatments
  •  

FAQs

  • 1. What is the Ayushman Card?

    The Ayushman Card is a health card issued under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY). It enables eligible beneficiaries to avail cashless treatment for up to ₹5 lakh per family per year at empaneled hospitals across India.

    2. Who can apply for the Ayushman Card?

    Families identified under the Socio-Economic and Caste Census (SECC) 2011 are eligible. This includes deprived rural families and urban workers from specific occupational categories such as domestic workers, rickshaw pullers, street vendors, and construction workers.

    3. What are the benefits of the Ayushman Card?

    • Free treatment up to ₹5 lakh per family per year
    • Access to both public and private empaneled hospitals
    • Cashless and paperless hospitalization
    • Coverage for pre-existing diseases

4. How do I check my eligibility for the Ayushman Card?

You can check your eligibility on the PM-JAY website by entering your mobile number or ration card details.

5. How can I apply for the Ayushman Card?

You can apply through:

  • Common Service Centers (CSCs) located across India
  • Online registration on the PM-JAY website, followed by a visit to a CSC for verification

6. What documents are required for the Ayushman Card?

  • Aadhaar Card
  • Ration Card
  • Mobile Number
  • Identity Proof (Voter ID, Driving License, etc.)

7. How do I use the Ayushman Card at a hospital?

  1. Visit an empaneled hospital.
  2. Show your Ayushman Card at the hospital’s help desk.
  3. Your eligibility will be verified, and you can receive cashless treatment for covered procedures.

8. What types of treatments are covered under Ayushman Bharat?

The scheme covers more than 1,500 medical procedures, including:

  • Cardiac surgeries
  • Cancer treatment (chemotherapy, radiotherapy)
  • Joint replacement surgeries
  • Maternity care (delivery and cesarean section)
  • Neurological surgeries

9. Is the Ayushman Card valid nationwide?

Yes, the Ayushman Card is valid across all states in India at empaneled hospitals.

10. Can I use the Ayushman Card for OPD services?

No, outpatient department (OPD) services are not covered under the Ayushman Bharat scheme. It is mainly for hospitalization and tertiary care.

11. Can I apply for multiple Ayushman Cards for each family member?

No, a single Ayushman Card covers the entire family, and only one card is issued per family.

12. How can I check the status of my Ayushman Card application?

You can track your application status on the PM-JAY portal using your reference ID or mobile number.

13. What should I do if I lose my Ayushman Card?

You can get a duplicate card by visiting the nearest CSC and providing your details for reissue.

14. Are pre-existing conditions covered under the Ayushman Bharat scheme?

Yes, all pre-existing diseases are covered from day one.

15. Can I use the Ayushman Card at private hospitals?

Yes, you can use it at any empaneled private hospital that is part of the Ayushman Bharat network.

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