PMJAY: How to Apply Ayushman Bharat Golden Card

Health insurance is a financial necessity for everyone. It helps people to get financial assistance from an insurance company in case they suffer from an unforeseen medical emergency. Nonetheless, people from lower economic groups and rural areas skip buying a health policy due to monetary issues, lack of awareness or the internet. To ensure the benefits of health insurance to such people, the Government of India introduced the PMJAY or Ayushman Bharat Yojana. Let’s read more to know about its benefits and how to apply for an Ayushman Bharat Golden card.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*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

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you take any daily medication? Apart from vitamins & supplements
    Get updates on WhatsApp

    What is PMJAY or Ayushman Bharat Yojana?

    PMJAY or Ayushman Bharat Yojana

    PMJAY or Pradhan Mantri Jan Arogya Yojana is a flagship health insurance scheme by the Government of India. Also known as Ayushman Bharat Yojana, it provides financial security to the beneficiaries against hospitalization expenses in case of a medical emergency. It has been designed to cover the poor, vulnerable and the economically  weaker sections of the society. 

    The Ayushman Bharat Yojana was launched in September 2015 after it was announced by Prime Minister Narendra Modi in his Independence Day speech. The scheme aims to cover more than 50 crore citizens of India. Amongst these, there would be about 10 crore underprivileged families irrespective of any limitations to the age of the family members and the family size.

    The PMJAY scheme comes with a maximum sum insured of Rs 5 lakh per family. Besides the hospital treatment cost, the scheme also covers the cost of diagnostic tests, medicines, pre-hospitalization expenses, COVID-19 treatment and post-hospitalization cost for almost all secondary and tertiary healthcare procedures. It also includes nearly 1400 expensive treatments, such as knee replacements, skull surgery, etc. The follow-up treatment expenses will also be covered under this scheme.

    Moreover, the PMJAY scheme also offers cashless hospitalization treatment at network hospitals across the country. To be eligible for cashless treatment, the beneficiaries will be issued an Ayushman Bharat Golden card. The PMJAY or Ayushman Golden card is an e-card that needs to be shown at the network hospital to avail cashless treatment.

    Who Can Apply for Ayushman Bharat Yojana?

    Not everyone is eligible for the Ayushman Bharat Yojana. Only people whose names are listed in the data provided under the Socio-Economic Caste Census (SECC) of the year 2011 and have the Rashtriya Swasthya Bima Yojana card are eligible for the PMJAY scheme. Thus, before applying for the Ayushman Bharat Yojana, people should check their names in the SECC database first. 

    Moreover, there are different eligibility criteria for people living in rural and urban areas to apply for Ayushman Bharat Yojana. The following people from the rural areas are eligible for the Ayushman Bharat Yojana:

    • Households without any members between the age group of 16 to 59 years
    • Families without any male/ adult/ earning member within the age group of 16 to 59 years
    • Households living in one room kuccha house with walls and roof
    • Families with one disabled member and no healthy adult member
    • Households of manual scavenger
    • Families without a house who major part of the income comes from manual labour

    The following people from the urban areas are eligible for the PMJAY scheme:

    • Domestic workers
    • Home-based tailors/ handicraft workers/ gardeners/ sweepers/ artisans/ sanitation workers
    • Hawkers/ street vendors/ cobblers
    • Security guards/ construction workers/ welders/ coolies/ painters/ labourers
    • Ragpickers
    • Washermen/ masons/ plumbers
    • Cobblers
    • Mechanics/ repair workers/ electricians/ assemblers
    • Beggars
    • Waiters/ peons/ shop workers/ delivery assistants
    • Transport workers/ cart pullers/ conductors/ rickshaw pullers

    Benefits of Applying for Ayushman Bharat Yojana 

    The PMJAY scheme is beneficial for poor and economically weaker sections of the society in a number of ways. Take a look at some of the benefits of applying for Ayushman Bharat Yojana:

    • The PMJAY scheme is a family floater scheme, which means the entire family can be enrolled under the same policy.
    • It enables people belonging to lower economic groups without access to the internet to avail online health insurance plans.
    • The scheme enables the beneficiary from across the country to get healthcare treatment and facilities for free of cost.
    • It provides coverage for 25 speciality categories and about 1354 medical and surgical packages, such as cardiology, neurology, etc.
    • It provides coverage for the treatment cost of about 50 types of cancers along with the cost of chemotherapy.
    • If someone is having multiple surgeries, the PMJAY scheme will cover the cost of the highest package. However, the cost of the second surgery will be covered for up to 50 per cent and the third surgery cost will be covered for up to 25 per cent of the total expenses.
    • It also provides coverage for day care expenses.
    • It covers pre-hospitalization as well as post-hospitalization expenses along with the transportation cost incurred during the period.
    • It enables the beneficiaries to avail coverage for follow-up treatment.
    • It also provides coverage for certain pre-existing diseases.
    • The scheme allows people to avail cashless treatment facilities at public and private network hospitals. All they need is an Ayushman Bharat Golden card.

    How to Apply for Ayushman Bharat Golden Card? 

    To obtain the cashless treatment facility under PMJAY, you need to obtain an Ayushman Golden card. Following are the steps to apply for an Ayushman Bharat Golden card:

    • Visit the official website of PMJAY
    • Go to the option of login to the website
    • Enter your ‘mobile number’ and the captcha code
    • Generate the OTP and enter it to log in to your website
    • Opt for HHD code and provide the code to the Common Service Centre (CSC). The CSC would check the HHD code as well as other details
    • The Ayushman Mitra or the CSC representatives will complete the remaining process
    • A fee of Rs 30 will have to be paid to obtain the Ayushman Golden card
    • Your Ayushman Bharat Golden card will be issued

    In a Nutshell 

    Ayushman Bharat Yojana or PMJAY is considered one of the biggest health insurance scheme across the world. It covers the hospitalization expenses incurred by people belonging to the poor, vulnerable and economically weaker sections. They can also avail cashless treatment facility under network hospitals, provided they have the Ayushman Bharat Golden card. Make sure to follow the steps given above to apply for an Ayushman Golden card.

    Written By: PolicyBazaar - Updated: 29 June 2021
    Search
    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    You May Also Want to Know About

    Top Maternity Insurance Plans

    Top Maternity Insurance Plans

    Top Maternity Insurance Plans Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood. Though rearing a child is an expensive affair and may require good financial backup to meet the requiremen...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance

    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance

    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain i.e. it will settle the claim or not. A customer spends premium annually which will cover his medical expenses but there’s always ...
    Best Health Insurance Plans for Senior Citizens in 2021

    Best Health Insurance Plans for Senior Citizens in 2021

    Best Health Insurance Plans for Senior Citizens in 2021 Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy adequate health insurance for your loved ones. And if they are your elderly pare...
    Covaxin vs. Covishield vs. Sputnik vs. Pfizer: Which one should you get?

    Covaxin vs. Covishield vs. Sputnik vs. Pfizer: Which one should you get?

    Covaxin vs. Covishield vs. Sputnik vs. Pfizer: Which one should you get? Covaxin vs. Covishield vs. Sputnik vs. Pfizer, the speculation continues regarding the difference between the efficacies of these COVID-19 Vaccines against the Coronavirus. If...
    Here’s the Difference between Health Insurance and Mediclaim

    Here’s the Difference between Health Insurance and Mediclaim

    Here’s the Difference between Health Insurance and Mediclaim Imagine you’re looking for a job change. You get an interview call for a job. What will be your plan of action? Will you get your resume ready and prepare for the interview or you wi...
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL