Ayushman Bharat PM-JAY Andaman Nicobar Island

How PM-JAY works in the Andaman and Nicobar Islands

In the Union Territory of Andaman and Nicobar Islands, Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) was launched to serve as the primary health insurance scheme. The scheme was run directly by the State Health Agency (SHA) from the Directorate of Health Services (DHS), A&N Administration. It operates via a Trust/Direct Implementation model without private insurance intermediaries.

This programme provides a cashless health cover of ₹5 lakhs per annum per family for secondary and tertiary level hospitalisation for both SECC as well as non-SECC population (island pensioners, BPL cardholders, and households having an income of less than ₹3 lakhs per year). All the operational processes of this programme have been managed by the State Health Agency, including e-KYC, Ayushman Card issuance, etc.

Key Highlight: PM-JAY Andaman Nicobar Island

Who is eligible to apply for PM-JAY in the Andaman and Nicobar Islands

Beneficiaries Under SECC:

• SECC Households: Poor households living in rural as well as urban areas who have been auto-identified using the criteria of the Socio-Economic and Caste Census (SECC 2011).
• Targeted Frontline & Worker Categories: Appointed frontline and welfare workers, including VVS Workers, ASHA, AWW, AWH, and registered BoCW.

Non SECC Beneficiaries:

• Poor Households: Permanent residents of the islands with a local Below Poverty Line (BPL) ration card or having a family annual income less than ₹3 Lakhs.
• UT Pensioners & Dependents: Pensioners of the Andaman & Nicobar Administration and their dependents residing in the islands.
• Universal Senior Citizens (70+ years): Residents above the age of 70 years are eligible for an Ayushman Vay Vandana Card irrespective of their economic status, and would receive an extra ₹5 Lakh annual coverage top-up if they come from an existing PM-JAY family.

Benefits and Coverage under PM-JAY Andaman Nicobar Island

• Financial Coverage: Each eligible family is entitled to a cover of up to ₹5 lakh per family per annum for all hospitalisation (secondary and tertiary care). There is immediate cover for all pre-existing health conditions, irrespective of family size and age.
• Cashless & Paperless Treatment: Patients can receive free treatment at empanelled hospitals without paying upfront cash or dealing with complicated paperwork.
• Expanded Local Eligibility: Coverage is extended to central SECC families, local workers (ASHA, Anganwadi, VVS, Construction Workers), local government pensioners, BPL cardholders, and permanent island families earning less than ₹3 Lakh annually.
• Extra ₹5 Lakh Cover for Seniors (Aged 70+): Senior citizens aged 70 and above receive a separate, additional ₹5 Lakh annual health cover via the Ayushman Vay Vandana Card, regardless of income.
• Nationwide Hospital Access: The Ayushman Card works at empanelled public and private hospitals across the islands and anywhere in mainland India.
• Travel Expense Reimbursement (For Mainland Referrals):
  • Air/Ship Travel: Provides reimbursement up to ₹40,000 per referral for the patient and one attendant travelling from GB Pant Hospital (Sri Vijaya Puram) to empanelled mainland hospitals .
  • Transit Allowance: Up to ₹3,000 is provided for cab or ambulance travel between the mainland airport/harbour and the hospital.
  • Stretcher Cases: Travel arrangement and cost for critical stretcher cases are fully covered with no upper cap.
• Daily Wage Loss Allowance: Patients receive ₹1,000 per day (up to 20 days / maximum ₹20,000 per illness) to cover lost income during hospital stays or active outpatient care on the mainland.

Documents Required for PM-JAY Andaman Nicobar Island

• Aadhar Card (Mandatory): Mandatory for all members of the family to complete electronic Know Your Customer (KYC) using OTP or fingerprint scan.
• Mobile Number: A functional: mobile number that is associated with your Aadhar card for receiving security OTP.

Document List for Special Category:

• Ration Card Holders: Local Below Poverty Line (BPL) Ration Card.
• Pension Holders: Pension Payment Order (PPO) or Pension Holder ID card issued by the A&N Administration.
• Worker Groups: Valid Worker ID or registration for ASHA, Anganwadi Worker/Helper, Village Volunteer Scheme (VVS) or Construction Worker (BoCW).
• Senior Citizens (Above 70 Years): Aadhaar Card is enough for verifying age and identity for getting Ayushman Vay Vandana Card.
• Necessary for all family members to complete the electronic Know Your Customer (KYC) through OTP or fingerprint scanning.

How to Apply Step by Step for PM-JAY Andaman Nicobar Island

Step 1: Access the Official PM-JAY Portal/App

Visit the official National Health Authority Beneficiary Portal through your internet browser or install the official Ayushman App available on the Google Play Store of your smartphone.

Step 2: Log In and Set the State as Andaman and Nicobar Islands

• Go to Beneficiary Mode and enter your 10-digit mobile number.
• Enter the OTP sent to your mobile phone and the captcha.
• After login, choose Andaman and Nicobar Islands as your State/UT and select the Scheme as PMJAY.

Step 3: Find Your Family/Household Details

Enter the details of your family by selecting your district, and then enter your details such as Aadhar Number, Mobile Number or Ration Card Number to search. Click on the Search option to see all the details of family members.

Step 4: Complete your e-KYC

Find out your name in the list and click on the e-KYC option.

Select any of the following options for authentication:

• Aadhaar OTP (OTP sent to the mobile number registered with your Aadhaar)
• Facial recognition (through the Ayushman App)
• Iris/Fingerprint Scanning (At CSC or Hospital Helpdesks)
• Submit your live photo and details.

Step 5: Approve and Download your Ayushman Card

• You will receive a confirmation text message on your registered mobile number once approved.
• Log back into the NHA Beneficiary Portal (beneficiary.nha.gov.in) or visit your local CSC to download and print your official Ayushman Card.

Helpline and Support

Other Government Schemes

• Ayushman Bharat Yojana: Central government-funded health insurance scheme providing cover up to ₹5 lakh per family annually in the form of a family floater cover for secondary and tertiary hospitalisation.
• Employees' State Insurance (ESI) Scheme: a health insurance scheme that offers medical care without cash payment, sickness allowances, maternity benefits, and disability pension to employees.
• Rashtrya Arogya Nidhi: Central scheme that offers coverage of up to ₹15 lakh for general critical conditions (e.g., heart, liver, kidney disorders) and up to ₹20 lakh for specified rare diseases
• Central Government Health Scheme: is a central scheme that offers financial aid to central Government Employees, pensioners and their dependents.
• Pradhan Mantri Suraksha Bima Yojana: personal accident insurance that offers financial coverage against accidental death and disability.