*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Health emergencies and resultant medical treatment expenses can pose a major financial burden. The cost of healthcare services has grown manifold over the last decade putting a greater emphasis on the need for health insurance. Nevertheless, a major population of the country, especially people living in rural areas or those belonging to the lower-income groups do not have a health insurance policy. The most obvious reason is the lack of financial means to afford a health policy apart from lack of insurance awareness and poor internet services. That’s not all. Even the Central Armed Police Force (CAPF) personnel often complained about the lack of a comprehensive health cover.
In September 2018, the government of India launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) with an aim to provide comprehensive health insurance benefits to the poor and the rural population. Recently, Home Minister Amit Shah has also launched the Ayushman CAPF scheme to cover the health needs of Central Armed Police Force under the PMJAY scheme. Before understanding the Ayushman CAPF benefits and how to obtain an ‘Ayushman CAPF’ card, let’s understand everything about the PMJAY scheme.
On 23 January 2021, the Ayushman Bharat Yojana has been launched for Central Armed Police Force across the country. The health insurance scheme referred to as ‘Ayushman CAPF’ offers cashless and paperless treatment facilities to about 28 lakh personnel of CAPF as well as their families. The beneficiaries of the Ayushman CAPF scheme can avail medical treatment facilities at about 24,000 hospitals across the country.
Ayushman CAPH is a joint initiative between the National Health Authority and the Ministry of Home Affairs of India to provide cashless medical treatment facilities to the beneficiaries. It was launched by Home Minister Amit Shah on the 125th birth anniversary of freedom fighter Netaji Subhash Chandra Bose. The idea was to extend the benefits of this flagship health initiative to the brave CAPF personnel, who protect the border of our country. The coverage offered under the Ayushman CAPF scheme are similar to the PMJAY scheme for the poor and the people living in rural areas.
Just like the regular PMJAY scheme, the CAPF personnel also need an ‘Ayushman CAPF’ card to avail cashless services at network/ empanelled hospitals. In fact, Mr Shah distributed a few Ayushman CAPF card to some of the force personnel. The government plans to complete the process of offering the Ayushman CAPF card to all personnel of CAPF by 1st May 2021.
Under the Ayushman CAPF scheme, the beneficiary can avail cashless treatment at CAPF, government-owned facilities as well as network private hospitals. To avail cashless treatment at a network private hospital, the beneficiary needs to be referred by the CAPF or government-owned facilities to a network private hospital. The beneficiary will need to register at the network hospital with the help of their activated Ayushman CAPF card.
However, the beneficiaries can also be reimbursed for any self-paid medical treatment. The reimbursement claim can be made in case self-paid services were availed at CAPF, government-owned facilities or a non-network hospital during an emergency. Reimbursement claims can be filed at PMJAY’s official website by login in with the help of the Ayushman CAPF ID and submitting necessary documents, such as referral slip, prescription, invoices, etc. The claim amount will be paid in the bank account of the CAPF personnel after claim approval.
Here are some of the Ayushman CAPF benefits:
The Ayushman CAPF benefits can be availed by the personnel of seven forces under the Central Armed Police Force along with their families/ dependents. Take a look at the list of seven CAPF who can avail the Ayushman CAPF benefits:
The personnel of all seven forces under the Central Armed Police Force can obtain the Ayushman CAPF card from their respective forces. However, the Ayushman CAPF card needs to be activated at a network private hospital. An authentication process will be conducted at the time of activating the card. For the purpose of authentication, the beneficiary will have to submit a copy of their force ID along with their Aadhaar card or any other government photo ID.
The CAPF personnel can also obtain their Ayushman CAPF card from the Pradhan Mantri Aarogya Mitra (PMAM). The PMAM can be found at a network private hospital after presenting the required documents.
Summing It Up
The Ayushman CAPF scheme is a convergence scheme between the Central Armed Police Force and Ayushman Bharat that has been implemented by the IT platform of PMJAY. The Ayushman CAPF benefits the serving personnel of all seven forces along with their family members. It will enable them to get comprehensive cashless health coverage at network public and private hospitals. Make sure to activate your Ayushman CAPF card to avail the services at the network hospitals once you receive them.