Ayushman Bharat Yojana-All About Ayushman Bharat Yojana

Ayushman Bharat Yojana

Ayushman Bharat Yojana: Ayushman Bharat Pradhan (Ayushman Bharat Pradhan) is a government- Mantri Jan Arogya Yojana (abbreviated as AB PM-JAY; also known as Ayushman Bharat National Health Protection Scheme abbreviated as NHPS) is a national public health insurance fund of the Government of India that intends to give free access to health insurance coverage to low-income earners in the country. This program benefits around half of the country’s population. People who participate in the program have access to primary care services from a family doctor. PM-JAY provides free secondary health care for people who require expert therapy and tertiary health care for those who require the most advanced treatment.

The program is part of the Indian government’s National Health Policy. The Ministry of Health and Family Welfare introduced it in September 2018. The National Health Authority was eventually established by that ministry to handle the program. It is a federally sponsored program that is supported equally by the federal government and the states. It is the world’s largest government-sponsored healthcare program, serving 50 crores (500 million) people. Because the program’s customers are low-income Indians, it is a means-tested program.

PM-JAY has the following features: providing health coverage for 10 crore households or 50 crores Indians providing a cover of 5 lakh per family per year for medical treatment in empaneled hospitals, both public and private; offering cashless payment and paperless recordkeeping through the hospital or doctor’s office determining eligibility for benefits using criteria from 2011 Socio-Economic and Caste Census. There are no restrictions on family size, age, or gender.

It covers 3 days of pre-hospitalization and 15 days of post-hospitalization, including diagnostic care and medication costs; it is portable, so a beneficiary can receive medical treatment at any PM-JAY impaneled hospital outside their state and anywhere in the country, and it provides free COVID-19 testing.

The Ayushman Bharat Yojana is divided into two parts:

  • Health and Wellness Centres
  • Pradhan Mantri Jan Arogya Yojana (PMJAY)

Centers for Health and Wellness:

In February of 2018, the Indian government converted existing sub-centers and primary health centers into Health and Wellness Centres. The main goal is to make healthcare more accessible and affordable to the poor. The providing of maternal and childcare services, as well as free diagnostic tests and critical medications, is the main focus of these centers.

PMJAY (Pradhan Mantri Jan Arogya Yojana):

Shri Narendra Modi Pradhan Mantri Jan Arogya Yojana or PMJAY, which was launched on September 23rd by our Honourable Prime Minister, is the second component of the Ayushman Bharat scheme.

What are the advantages of the PMJAY scheme?

The PMJAY program covers up to 3 days of pre-hospitalization fees and up to 15 days of post-hospitalization expenses, including diagnostics and pharmaceutical costs.

There are no limitations based on family size, age, or gender.

From the start, you’ll be covered for any pre-existing conditions. There is no waiting period.

There is also support for daycare costs.

Those who enlist in the scheme will have access to cashless health insurance as well as a paperless option.

The PMJAY facilities are accessible throughout the country.

Ayushman Bharat Yojana Eligibility in Rural Areas

Families have no male members between the ages of 16 and 59.

Families without any adult in the age range of 16 to 59 years.

No able-bodied adult members in a family with a disabled member.

Households from Scheduled Caste and Scheduled Tribe communities.

Landless families rely on physical labor for the majority of their income.

Families crammed into a single room with makeshift walls and roofs.

Working as manual scavengers as a family.

Families who do not have a home.

Ayushman Bharat Yojana Eligibility in the City

The Ayushman Bharat scheme will assist the following categories of persons in urban areas, with a 5 lakh insurance cover per family:

Pickers of Rags


Domestic Employees

On the pavements, there are street merchants, cobblers, hawkers, and other people who provide services.

Workers in the construction industry, plumbers, laborers, painters, welders, and security guards

Cleaners and sweeping crews

Drivers, conductors, helpers, cart or rickshaw pullers, and head load employees are examples of those that provide transportation services.

Artisans, such as tailors and handcraft makers, operate from home.

Shop employees, small-business helpers or peons, delivery guys, and waiters.

Chowkidars or washermen.

Who is exempt from the Ayushman Bharat Yojana under the PMJAY?

PMJAY is not applicable to the following persons or households:
Any household that falls into this bracket and is required to pay income taxes or professional taxes.
Those families have a member who works for the government.
Those who work in non-agricultural businesses must register with the government.
Any family member who earns more than Rs 10,000 per month.
Those holding Kisan Cards with a credit limit of 50,000 rupees.
Individuals that own a two-wheeler, three-wheeler, or four-wheeler, as well as a motorized fishing boat.
Refrigerators and landline phones are found in households.
Those who have irrigation equipment and possess more than 2.5 acres of land.

How can I register for the Ayushman Bharat Scheme?

Go to the Pradhan Mantri’s official website. Jan Arogya Yojana (Jan Arogya Yojana) is a government-sponsored

Select ‘Am I Eligible?’ from the drop-down menu.

After that, click ‘Generate OTP’ and enter your mobile number and security captcha.

Select your state and then search by name, HHD number, ration card number, or mobile number.

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