Ayushman Bharat PM-JAY Assam

How PM-JAY Works in Assam

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) in Assam is administered through the Ayushman Asom Mukhya Mantri Jan Arogya Yojana (AA-MMJAY) scheme. It was launched on 10th May 2023,the scheme was introduced to expand healthcare coverage to low-income and vulnerable households across the state. 

The scheme is administered by only one state entity called Atal Amrit Abhiyan Society (AAAS), with a centralised IT system for beneficiary verification and claims management.

Contrary to the conventional central health schemes which depend solely upon the Socio-Economic Caste Census of 2011 (SECC), the government of Assam included all NFSA Ration Card holders into the Assam Ayushman Manipur Mega Mission Jeevan Suraksha Yojana (AA-MMJAY). Whereas the central PM-JAY scheme caters to around 30 lakh SECC registered families, the AA-MMJAY scheme offers coverage for another 26+ lakh NFSA families by providing them with annual cashless cover of ₹5 Lakh.

Key Highlights: PMJAY Assam

Who is Eligible for PM-JAY Assam

• NFSA Beneficiaries: All families registered and validated through the National Food Security Act (ration cardholders) in Assam automatically become eligible.
• SECC 2011 Data: Households registered as deprived in socio-economic groups through the Socio-Economic Caste Census (SECC 2011).
• RSBY Cardholders: Families with active coverage from the Rashtriya Swasthya Bima Yojana (RSBY).
• Casual and Poor Occupational Workers: including Domestic Workers, Street Vendors, Construction Workers, Rag Pickers, Transport Workers, and Sanitation Workers.
• Rural Households: Eligibility includes families living in single-room kuchha houses and people living in Vulnerable conditions.

Benefits and Coverage under PM-JAY Assam

• Financial Protection: Covers up to ₹5 lakh per beneficiary family annually for tertiary and secondary medical treatments.
• Cashless and Paperless Medical Services: The beneficiaries are able to access cashless medical services in all empanelled public and private hospitals.
• Specialities & Procedures covered: Provides coverage for 1,949 medical procedures under 27 specialities, which include oncology, cardiology, neurosurgery, burns and transplantation surgeries, etc.
• Eligible Beneficiaries: All families registered in the NFSA database, as per certain criteria.
• Comprehensive Care: This includes medical checkups, consultation fees, tests, medicines, ICU expenses, accommodation, and food expenses during the hospitalisation period.
• Pre and Post-Hospitalisation: This plan will cover the cost incurred for 3 days before hospitalisation and 15 days after hospitalisation.
• Pre-Existing Diseases: All pre-existing diseases are covered on day one of the policy without any waiting period.

Documents Necessary for PM-JAY (Assam)

In order to get the Ayushman card or to get treated through a cashless mode in a hospital, the beneficiaries should produce the following documents:

• Proof of Identity and Age: Aadhaar Card (mandatory) or any government-issued photo identity proof (like PAN Card, Voter ID, Driving license).
• Proof of Family/Beneficiary: NFSA Ration Card or PM-JAY/RSBY letter.
• Active Mobile No.: Needed for Aadhaar OTP verification in case of e-KYC

Finding PM-JAY Empanelled Hospitals in Assam

1. Method 1: Using the Web Portal Method

   • Go to the PM-JAY National Hospital Portal or the Assam State Portal.
   • Choose the state "Assam" from the State drop-down list. Choose your district like "Kamrup Metro," "Dibrugarh," or "Cachar."
   • Choose the "Hospital type" as Public/Private and "Speciality" such as Cardiology, Oncology.
   • Click on "Search."

2. Method 2: Offline/Manual Support Ayushman Mitra

   • Visit any empanelled hospital, either public like Medical Colleges, Civil Hospitals or private hospitals and talk to Ayushman Mitra.
   • Helpdesk Toll Free No: Dial 14555 or 1800-111-565 for information about nearby empanelled hospitals in Assam.

How to Apply Step by Step to PM-JAY Assam

Step 1: Verify Eligibility Online

• Visit theOfficial NHA Beneficiary Portal or download the Ayushman App from the Google Play Store.
• Log in using your mobile number and authenticate via OTP.
• Select Assam as the State and choose your Scheme
• Search for your family record using your Ration Card Number, Aadhaar Number, or Family ID.

Step 2: Initiate the e-KYC Process

• Once your family name appears, locate the individual member's status.
• Click on e-KYC next to the unverified family member's name.
• Choose your preferred authentication method:
  • Aadhaar OTP (Requires mobile number linked to Aadhaar)
  • Fingerprint / Iris Scan
  • Face Authentication (via the Ayushman App)

Step 3: Upload Documents & Details

• Provide a recent live photograph of the beneficiary if prompted.
• Confirm personal details (Name, DOB, Address) matching your Aadhaar card.
• Submit the e-KYC application.

Step 4: Alternative Offline Application / Verification If you cannot complete this online:

• Visit the nearest Kiosk / CSC (Common Service Centre), local ASHA worker / Bima Sakhi, or the Ayushman Mitra Helpdesk at any empanelled hospital in Assam.
• Carry your Aadhaar Card and NFSA Ration Card for physical e-KYC verification.

Step 5: Download the Ayushman Card

• Once approved by state authorities (usually within 24 to 48 hours), re-log in to the NHA Beneficiary Portal (https://beneficiary.nha.gov.in/) or app.
• Click Download Card next to the approved beneficiary name.
• Print or save the digital card to present at empanelled public or private hospitals for cashless treatment up to ₹5 lakh per year.

Other Government Schemes

• Assam Arogya Nidhi (AAN): a state scheme that offers financial assistance of ₹3 Lakh per beneficiary for BPL families and individuals with an annual family income below ₹5 Lakh.
• Atal Amrit Abhiyan (AAA): flagship health scheme that offers treatment of up to ₹2 Lakh per individual per year for major critical diseases.
• Sneha Sparsha (Snehasparsh): State health scheme that offers financial assistance for specialised treatment and organ transplant.
• Susrusha (Sushrusha): A welfare scheme of the Government of Assam providing monetary help in the form of a one- time-relief of ₹1 Lakh to individuals having undergone a kidney transplant surgery.
• Adarani Drop Back Service: offers transportation service to pregnant women and newborn babies to their home after delivery from public health Hospitals.