Ayushman Bharat Yojana, jise Pradhan Mantri Jan Arogya Yojana (PM-JAY) bhi kehte hain, kendra sarkar ki sabse badi health insurance scheme hai. Is yojana ke tahat har yogya parivaar ko saal me ₹5 lakh tak ka muft aur cashless ilaj milta hai — hospital me bharti hone par aapko apni jeb se paisa nahi dena padta. 2018 me shuru hui ye scheme ab desh bhar me laagu hai aur iske tahat 55 crore se zyada labharthi cover kiye gaye hain.
Ayushman Bharat Yojana Kya Hai?
Ye ek sarkari health beema yojana hai jiska premium sarkar khud deti hai — labharthi ko koi premium, koi registration fees nahi deni padti. Yojana ka sanchalan National Health Authority (NHA) karta hai. Ilaj sirf unhi hospitalon me hota hai jo scheme ke tahat empanelled (panjikrit) hain — inme sarkari ke saath-saath bahut se private hospital bhi shaamil hain, aur inki sankhya 29,000 se zyada hai.
Cover poore desh me portable hai — matlab aap kisi bhi rajya ke empanelled hospital me apna card istemal kar sakte hain.
Ayushman Bharat Yojana Me Kya-Kya Milta Hai?
- ₹5 lakh tak ka saalana cover — har yogya parivaar ko saal me ₹5 lakh tak ke ilaj ka kharcha
- Cashless ilaj — bharti ke samay hospital me advance ya bill nahi dena padta; hospital seedha scheme se settlement karta hai
- Dawaiyaan, jaanch aur operation — package rates ke tahat ilaj se judi dawaiyaan aur zaroori jaanch cover hoti hain
- 70 saal se upar ke sabhi senior citizens — October 2024 se 70+ umr ke sabhi nagrik, aamdani ya pehle se beema ho ya na ho, isme shaamil hain. Unhe alag Vay Vandana card milta hai; agar parivaar pehle se PM-JAY me hai to 70+ sadasyon ko ₹5 lakh ka atirikt top-up cover milta hai
Ayushman Bharat Yojana Ke Liye Kaun Eligible Hai?
Yojana ki pehchaan shuru me 2011 ki Socio-Economic Caste Census (SECC) ke aadhaar par hui thi. Aam taur par ye parivaar cover hote hain:
- Gramin kshetra: aarthik roop se pichhde parivaar — jinke paas pakka makaan nahi, aadiwasi samudaay, bandhua mazdoor aur anya vanchit shreniyaan
- Shahri kshetra: ragpicker, gharelu kaamgar, rehdi-patry wale, construction mazdoor, security guard, transport mazdoor jaise anaupchaarik kshetra ke kaamgar
- 70 saal ya usse zyada umr ke sabhi nagrik — aamdani ki koi seema nahi; sirf Aadhaar se e-KYC par card banta hai
Asha aur Anganwadi karyakarta bhi is dayre me aate hain. Aapki eligibility aapke parivaar ke naam SECC database me hone par nirbhar karti hai.
Ayushman Card Kaise Banwayein?
Ayushman Card (Golden Card) banwana muft hai. Teen aasaan tareeke hain:
1. Online — official portal se
Official website pmjay.gov.in ya Ayushman App par jaakar apna mobile number aur Aadhaar details daal kar eligibility check karein. Agar aapka parivaar database me hai aur card “Not Generated” dikhe, to “Apply Now” par click karke Aadhaar-based e-KYC poori karein. e-KYC anivarya hai.
2. Common Service Centre (CSC)
Najdeeki CSC par Aadhaar card lekar jaayein — wahan eligibility check aur e-KYC dono ho jaate hain. Smartphone na hone par ye sabse vyavhaarik tareeka hai.
3. Empanelled hospital ya health camp
Empanelled hospitalon me Ayushman Mitra help desk par card ban sakta hai. Gram panchayat ya sarkari health camp me bhi card banane ki suvidha milti hai.
70+ umr ke senior citizens ke liye prakriya sabse saral hai — NHA ke mutabik is shreni me sirf Aadhaar hi ekmatra document hai, aur card banne ke pehle din se hi ilaj shuru ho sakta hai, koi waiting period nahi hai.
Hospital Me Card Kaise Istemal Karein?
Bharti ke samay hospital ke help desk par Ayushman Card dikhaayein. Hospital PM-JAY portal par aapki eligibility verify karta hai, phir insurer ya TPA se pre-authorization milta hai. Uske baad ilaj cashless hota hai — bill hospital seedha scheme se settle karta hai.
Yaad rakhein: card sirf empanelled hospitalon me kaam karta hai. Ilaj se pehle hospital ka empanelment status official portal par zaroor check kar lein.
Kuch Zaroori Baatein
- Card banwana aur ilaj dono poori tarah muft hain — koi bhi paise maange to shikayat karein
- Agar aapka naam eligible hone ke baawajood database me nahi dikhta, to district PM-JAY cell ya hospital ke Arogya Mitra desk se sampark karein
- Private health insurance se alag, ye yojana sarkari sahayata hai — isliye agar aap health insurance kya hai samajhna chahte hain, to dono ke antar ko dhyaan me rakhein
- Bade kharchon ke liye kuch log super top-up health insurance bhi lete hain — PM-JAY ke saath ye vikalp alag se socha ja sakta hai
Adhik jaankari aur eligibility check ke liye official portal dekhein: pmjay.gov.in
Yeh sirf jaankari hai, financial advice nahi hai.