The Government of India comes up with schemes for the welfare of the Indian citizens especially those in the lower-income brackets. The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) is one of the celebrated schemes launched by the current Prime Minister Narendra Modi.
The scheme is targeted toward covering healthcare benefits of 50 crores plus Indians. PMJAY offers insurance cover with a hospitalization cover of up to INR 5 lakh per family per year. The scheme is targeted toward underprivileged families and thus, has specific eligibility criteria for urban and rural populations. Let’s dive more into what is PMJAY scheme and how you can apply for it to get hospitalization cover worth up to 5 lakhs.
Features & Benefits of Ayushman Bharat PMJAY Scheme
The PMJAY is focused on the underprivileged population in India. It has both private and public sector hospitals included for the beneficiary to avail of cashless services. It also covers any existing diseases which is a great thing.
Talking about the benefits, the PMJAY scheme gives you treatment and healthcare free of cost with a hospitalization cover of up to 5 lakhs per family per year. It packs in 25 specialty categories, and 1354 medical and surgical packages that are included with the scheme. There’s follow-up treatment coverage with it as well.
Ayushman Bharat Eligibility Criteria
The Pradhan Mantri Jan Arogya Yojna is one of the best healthcare-related schemes from the Government of India available for rural and urban people in the country. However, you need to be eligible to avail of PMJAY to reap the benefits. Read along to know about the eligibility criteria for the same.
PMJAY Scheme: Eligibility Criteria for Rural
- Families living in one room with kuccha walls and roof
- Household with no adult, male, or earning member within 16-59 years of age
- Manual scavenger families
- Families where no members fall between the age range of 16-59 years
- Households that are landless with earning members doing manual labor for income.
PMJAY Scheme: Eligibility Criteria for Urban
- Ragpicker
- Domestic workder
- Beggar
Stress vendors / cobblers / hawkers - Washer/Mason/Plumber
- Construction worker / coolie / security guard / welder / painter / labor
- Cart puller / conductor / rickshaw puller / transport worker
- Home-based artisans / mali / sanitation worker / handicrafts worker / tailor sweeper
- Shop worker / waiter / peon / delivery assistant / assistant
This is a list of people who are eligible for the PMJAY scheme across both rural and urban populations in India.
What Are The Documents Required To Apply For PMJAY?
As with any products or services from the government, you need specific documents to apply for PMJAY, and here’s the list of documents you can refer to.
- Certificate of cast
- Age and identity verification (via Aadhaar or PAN card)
- Phone, email, and address contact information
- Income certification verifying the maximum income of not more than 5 Lakhs per year
- Documents showcasing the joint or nuclear status of the family
How To Apply For PMJAY Scheme?
Let’s see how you can apply for PMJAY Scheme to reap the benefits.
- First up, go to the Ayushman Bharat PMJAY website → https://mera.pmjay.gov.in/search/login.
- Enter your mobile number, the captcha, and hit the “Generate OTP” button.
- Enter the OTP that would’ve been generated on your phone by now to proceed.
- Next up, enter your name, ration card number, state, mobile number, and all other details as asked to the best of your knowledge.
- Based on the eligibility criteria, if your family is eligible, check out if your and your family’s name in the list that you can check online.
