Ayushman Golden card: You can get Free treatment up to Rs 5 lakh, here is How To Apply

Pradhan Mantri Jan Arogya Yojana(PM-JAY) is a pioneering initiative of Prime Minister Modi to ensure that poor and vulnerable population is provided health cover. This initiative is part of the Government’s vision to ensure that its citizens – especially the poor and vulnerable groups have universal access to good quality hospital services without anyone having to face financial hardship as a consequence of using health services.

Healthcare cover of Rs. 5 lakh per family

Launched in September 2018 by the Prime Minister, the Ayushman Bharat Yojana aims to cater to 50 crore beneficiaries. It provides a health cover of Rs. 5 lakh to families living below the poverty line. The health cover is free, as the central and state governments pay the annual premiums in a 60:40 ratio.

Cashless and paperless registration and administration

Removing the burden of out-of-pocket expenses, PMJAY aims to make the entire process of paying for healthcare cashless. Additionally, PMJAY beneficiaries can seek treatment across India.

What benefits are available under PM-JAY?

PM-JAY provides an insurance cover upto Rs 5 lakh per family, per year for secondary and tertiary hospitalization. All pre-existing conditions are covered from day 1 of implementation of PM-JAY in respective States/UTs.

What health services are available under PM-JAY?

The health services covered under the programme include hospitalization expenses, day care surgeries, follow-up care, pre and post hospitalization expense benefits and new born child/children services. The comprehensive list of services is available on the website.

Who is eligible to avail benefits under PM-JAY?

PM-JAY covers more than 10 crore poor and vulnerable families across the country, identified as deprived rural families and occupational categories of urban workers’ families as per the latest Socio-Economic Caste Census (SECC) data. A list of eligible families has been shared with the respective state government as well as ANMs/BMO/BDOs of relevant area. Only families whose name is on the list are entitled for the benefits of PM-JAY. Additionally, any family that has an active RSBY card as of 28 February 2018 is covered. There is no capping on family size and age of members, which will ensure that all family members specifically girl child and senior citizens will get coverage.

Here is the guide to make Golden Card

Ayushman Bharat Golden Card Yojana can be made in the following two ways

  • By Jan Seva Kendra – If you want to get this card made by going to Jan Seva Kendra, then the agent will check your name in the beneficiary list. If you are eligible then you can get your Ayushman Golden Card by submitting the required documents there and paying a fee of Rs 30.
  • In government or private (listed) hospitals – for this you will have to go to government or private hospitals, if you will be eligible for this scheme, then you can get your Ayushman by submitting the necessary documents.

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