How to Apply for Ayushman Bharat Scheme – A Simple Guide

Ayushman Bharat health insurance is a flagship scheme launched by the Government of India, as per the recommendations by the National Health Policy 2017. This scheme aims to offer Universal Health Coverage (UHC) to the deprived and to meet the Sustainable Development Goals (SDGs). So far, the government has issued nearly 12 Crore e-cards under PMJAY.

Currently, the health service delivery is segmented and sector, therefore the government has attempted to make it a comprehensive health care service. It adopts a holistic approach to address the healthcare system including prevention, promotion and ambulatory care at the primary, secondary and tertiary level. The two inter-related components under Ayushman Bharat scheme are

• Pradhan Mantri Jan Arogya Yojana (PM-JAY)
• Health and Wellness Centres (HWCs)

Who is the Ayushman Bharat Scheme Aimed at?

The scheme is targeted towards the rural, poor, and deprived families as well some specific occupational category of urban workers' families. Going by the Socio-Economic Caste Census (SECC) 2011 data, at scheme aims to cover 8.03 crore rural families and 2.33 crore urban families i.e. nearly 50 Crore Indians.

AB-NHPS offers a health cover of Rs 5 lakh per year on family floater basis to each eligible family. It will subsume the present Rashtriya Swasthya Bima Yojana  that was commenced in by the then government in 2008.

How to Apply for Ayushman Bharat Yojana?

PMJAY applies to all beneficiaries as identified by the SECC 2011 and those who are already part of the RSBY scheme. Here is how you can check your eligibility for the scheme through the National Health Authority portal and apply for the same:

• Log in to their official website: mera.pmjay.gov.in
• Now enter your mobile number and the captcha code given on the screen.
• Enter the OTP that is sent to your registered mobile number, it will then take you to the PMJAY login screen
• Now select the state from where you are applying for this scheme
• Select how you want to check for your eligibility criteria: Mobile number, Name, Ration card number, or RSBY URN number
• Your name will reflect on the right-hand side of the page (if you are eligible)
• You can also check the beneficiary details by clicking on the 'Family Members' tab

In addition to this, you can also check if you are eligible for PMJAY by approaching any Empanelled Health Care Provider (EHCP) or dial the Ayushman Bharat Yojana call centre number: 1800-111-565 or 14555

How to add my name in Ayushman Bharat Yojana?

• Click on 'Add Family Details' if the beneficiary wishes to add family members
• Enter the Ration Card no. and then click on 'Check Document Details'.
• If the ration card has already been attached to the family, the following message will appear

How is entitlement under PMJAY decided?

Ayushman Bharat scheme is an entitlement-based scheme that decides based on deprivation criteria as per the SECC database.

• For rural areas, the beneficiaries are categorized based on deprivation as D1, D2, D3, D4, D5, and D7, as per the SECC database
• And for urban applicants, the entitlement is determined based on 11 occupational criteria
• Moreover, in the states, it also includes the beneficiaries of Rashtriya Swasthya Bima Yojna (RSBY)

With this article hope you can check for your eligibility under the PMJAY and can apply in a hassle-free manner.