Considering the situation where economically weak and needy families in the country cannot afford treatment for serious illnesses, the central government has taken an important step. Under the Pradhan Mantri Jan Arogya Yojana (PM-JAY), a provision has been made for such families to receive free treatment up to 5 lakh rupees annually. To avail the benefits of this scheme, the concerned beneficiaries need to prepare an 'Ayushman Bharat' card (Ayushman Card).
As healthcare services become more expensive, the Ayushman Bharat scheme is proving to be a promising facility for those in need. This scheme includes expenses before and after hospital admission. It also covers diagnosis, medicines, surgeries, post-treatment accommodation, and care.
This scheme includes beneficiaries who do not fall under any other health plan. Citizens over the age of 70, regardless of income limits, are eligible for this scheme. However, taxpayers, financially strong citizens, and those benefiting from schemes like PF or ESIC will not be eligible for this scheme.
To check whether you are eligible for this scheme, visit the official website beneficiary.nha.gov.in and click on the 'Am I Eligible?' option to verify using your mobile number and OTP. This scheme includes many serious and complex diseases, primarily heart disease, cancer, neurological disorders, kidney and liver diseases, lung diseases, bone disorders, maternity and gynecological surgeries, mental illnesses, neonatal care, burn injuries, and bone marrow transplantation.
Heart disease includes coronary artery disease, heart attack, heart failure, angioplasty, and bypass surgery. In the case of cancer, chemotherapy and radiation therapy are provided for breast, cervical, oral, digestive system, and lung cancers.
Treatment for neurological disorders such as brain tumor, stroke, paralysis, epilepsy, and Parkinson's is also provided free of charge. Additionally, the government covers the cost of treatment for various diseases like kidney transplant, dialysis, liver cirrhosis, hepatitis B-C, appendicitis, hernia, asthma, TB, COPD, ILD.
Hip and knee replacement, bone fractures, and arthritis are also included. All types of surgeries related to childbirth, hysterectomy, and comprehensive care for newborn health services are provided. The aim of this scheme is to provide high-quality healthcare to the poor and underprivileged without financial burden. So far, millions of beneficiaries have availed of this scheme, and it is proving to be a health safety net for many more families. Therefore, if you are eligible, create your Ayushman card today and take advantage of this scheme.