The Pradhan Mantri Ayushman Bharat Yojana (PMJAY) is a transformative health insurance scheme introduced by the Government of India in 2018. It aims to provide free health insurance coverage to economically weaker sections, ensuring that medical treatment does not become a financial burden for them. However, not everyone is eligible for this scheme. Here’s a guide to help you check your eligibility and apply for the Ayushman card from the comfort of your home.
What is the Ayushman Bharat Yojana?
The Ayushman Bharat Yojana offers free health insurance coverage of up to ₹5 lakh per family per year for secondary and tertiary care hospitalization. It is especially designed to support underprivileged families who cannot afford expensive treatments. Beneficiaries can avail of cashless treatment at both public and private empaneled hospitals.
How to Check Ayushman Card Eligibility?
1. Visit the Official Website
To check if you’re eligible for the Ayushman Bharat scheme, start by visiting the official PMJAY website: pmjay.gov.in.
2. Click on “Am I Eligible?”
On the homepage, you’ll find an option titled “Am I Eligible?” Click on it to proceed.
3. Enter Details for Verification
- Click on the “Beneficiary” option.
- Enter the captcha code displayed on the screen.
- Provide your mobile number.
4. Verify Using OTP
An OTP will be sent to your registered mobile number. Enter the OTP and captcha to log in.
5. Provide Your Location
After logging in, you’ll need to select your state and district. This ensures accurate results based on your residential area.
6. Use Aadhaar for Search
Choose the Aadhaar option under “Search By” and enter your Aadhaar number. Then, enter the captcha code and click on “Search.”
7. Check Eligibility Status
Once all the details are submitted, the website will display whether you’re eligible for the Ayushman card.
How to Apply for an Ayushman Card Online?
If you’re eligible for the scheme, follow these steps to apply for your Ayushman card without visiting any physical office:
Step 1: Download the Ayushman Bharat App
- Go to the Google Play Store and search for the Ayushman Bharat App.
- Download and install the app on your smartphone.
Step 2: Search for Your Name
Open the app and look for your name in the beneficiary list.
Step 3: Complete e-KYC
- Verify your identity by completing the e-KYC process using your Aadhaar card.
- Ensure your Aadhaar-linked mobile number is active for OTP verification.
Step 4: Download the Ayushman Card
Once the e-KYC process is completed, your Ayushman card will appear on the screen. Download it and get it printed for use.
Benefits of Having an Ayushman Card
- Free Health Insurance: Covers up to ₹5 lakh per family annually.
- Cashless Treatment: Beneficiaries can avail of cashless treatment at empaneled hospitals.
- Wide Coverage: Includes expenses for pre-existing conditions, diagnostics, and post-hospitalization.
- Nationwide Network: Over 25,000 hospitals across India accept Ayushman Bharat cards.
- No Premium Costs: Eligible families do not need to pay any premium to access benefits.
Key Points to Remember While Applying
- Ensure your Aadhaar card details are up to date, especially the mobile number linked to it.
- Use only the official website or app for applying to avoid fraud.
- Keep your address proof and identification documents ready for verification.
- Regularly check the beneficiary list to confirm your name and details.
Common Questions About Ayushman Bharat
1. Can I Apply for the Ayushman Card Offline?
Yes, you can visit your nearest Common Service Center (CSC) to apply for the card offline.
2. What If I Don’t Have Aadhaar?
While Aadhaar is a preferred document for verification, other government-issued ID proofs may also work.
3. How Long Does It Take to Get the Card?
The Ayushman card can be downloaded instantly after completing e-KYC verification.
4. Can I Use the Card in Any State?
Yes, the Ayushman Bharat scheme provides nationwide coverage, allowing beneficiaries to avail of services across India.
With these steps, accessing free health insurance under Ayushman Bharat has never been easier. Start today and secure your family’s health!
