Ayushman Bharat PM-JAY Chandigarh

How PM-JAY Works in Chandigarh

As a Union Territory, Chandigarh’s PM-JAY implementation is 100% funded by the Central Government , unlike other states, which share costs on a 60:40 basis. The scheme is administered by the Chandigarh Administration’s Department of Health in accordance with the national framework established by the National Health Authority (NHA).

As Chandigarh is a single-district Union Territory, checking the empanelled hospital list becomes more convenient as beneficiaries can simply select "Chandigarh" on the national hospital portal without filtering further.

Key Highlights: PM-JAY Chandigarh

Who is Eligible for PM-JAY Chandigarh

1. Urban Occupational Groups:

   Informal and low-income occupational groups including domestic workers, street vendors/hawkers, construction workers/masons, sanitation workers/sweepers, home-based artisans/tailors, transport workers (drivers, conductors, rickshaw pullers), shop assistants/delivery boys, mechanics/electricians, and washermen.

2. Rural Groups:

   Families including single-room kucha house-holders, female-headed households without any male member above the age of 18, disabled-member households without any able-bodied member, SC/ST households, and landless casual labourers.

3. National Food Security Act (NFSA) Card Holders:

   those who are from low-income households and have valid Priority Household (PHH) or Antyodaya Anna Yojana (AAY) ration cards are eligible for PM-JAY Chandigarh.

4. Senior Citizens of 70 Years or More:

   Under the Ayushman Vaya Vandana Card, all seniors aged 70+ receive coverage regardless of family income.

   • If the family is already enrolled in PM-JAY, the senior Citizen gets a separate, dedicated ₹5 lakh annual top-up.
   • If the family is not covered, the senior citizen receives an individual ₹5 lakh annual health cover.

5. Healthcare and Anganwadi Workers:

   All active ASHA, AWW, and AWH in Chandigarh, along with their families.

Benefits and Coverage Under PM-JAY Chandigarh

• ₹5 Lakh Annual Cover: Families in Chandigarh get a maximum of ₹5 lakh cover per family per year towards hospitalisation for secondary and tertiary levels.
• Family Floater Plan: The benefit plan operates on the family floater principle, whereby one or many members of the family can use the amount till the total limit of ₹5 lakh. There is no restriction on the size of the family, gender, or age of the family members.
• Medical and Surgical Package: 1,950 medical and surgical packages were covered under this scheme.
• Pre-Existing Diseases Coverage: All pre-existing diseases are covered right from the first day of coverage without any waiting period.
• Day-Care Facilities: Covers procedures involving surgery or medicine without requiring a full 24-hour stay in the hospital.
• Pre-hospitalisation: Deals with tests, consultations and medication up to 3 days prior to admission.
• Post-hospitalisation: Deals with follow-up consultation, test and discharge medicines for 15 days after discharge.
• In-hospital care: Deals with room rent (entitlement of General Ward), nursing charges, ICU charges, surgeon or consultant’s fees, implant, blood, oxygen and investigations.

How to Apply Step by Step for PM-JAY Chandigarh

Method : Through E-KYC via the NHA Beneficiary Portal Website

This process allows you, as a resident of Chandigarh, to perform e-KYC and get the Ayushman Card online:

Step 1 : Visit the Beneficiary Portal

Visit the official NHA beneficiary portal at beneficiary.nha.gov.in

Step 2: Log in as Beneficiary

To log in to the portal, select the "Beneficiary" button located at the top right side of the homepage.

• When logging in to complete or view your PM-JAY e-KYC status, select "Create/Link ABHA Number".
• Enter your Aadhaar number to auto-generate and link your 14-digit ABHA ID directly to your Ayushman Card.

Step 3: Enter a valid 10-digit mobile number and click on "Verify".

Enter the OTP sent to your mobile number, enter the CAPTCHA code, and click on "Login".

Step 4: Search for Beneficiary Details

• Select the State: Chandigarh.
• Select the scheme: PMJAY (or Ayushman Vaya Vandana for citizens aged 70 and above).
• Select search by: Enter your choice identification documents (Aadhaar Number, Family ID/Ration Card Number, or PM-JAY ID).

Enter the details and click on the magnifying glass icon on the screen. This will show you your family information and individual beneficiary details.

Step 5: Perform e-KYC

• Select your name from the list of beneficiaries. You will have to click the yellow "Do e-KYC" button beside you if your status shows "Unverified" or "Action Required".
• Authenticate access using the Aadhaar OTP generated for the mobile number linked to your Aadhaar number.

Step 6: Verification and Photo Capturing

• Choose from among the modes of e-KYC available to you - Aadhaar OTP, Fingerprint, or Iris scan.
• Enter the OTP received in your mobile phone registered against your Aadhaar.
• Take or upload a new photograph of yourself in the passport-size format.
• If you lack some details, such as your current mobile number, pin code, and relation with the head of your family, complete those fields and click "Submit".

Step 7: Download Ayushman Card:

• Once you submit your data, the system will match it against your government data.
• Once approved (normally instantly if details match), your status will become "Approved".
• Click on the "Download Card" button and use your Aadhaar OTP for verification.

Documents Required for PMA-JAY Chandigarh

Aadhaar Card (Mandatory): Serves as primary proof of identity, age, and address for biometric/OTP e-KYC process.

Proof of Household Eligibility (Any One):

• NFSA Ration Card: Valid Priority Household (PHH) or Antyodaya Anna Yojana (AAY) Ration Card issued by Chandigarh Administration.
• SECC Record: Official PM-JAY inclusion letter or Household ID (HHID).

Category-Specific Documents (If Applicable):

• Senior Citizens (70+ Years): provide Aadhaar Card only (for age verification).
• Healthcare & Anganwadi Workers: Official Worker ID Card issued by the Chandigarh Health or Social Welfare Department.
• Construction Workers: Valid BoCW Welfare Board Labour Card registered in Chandigarh.

Helpline and Support

Other Government Schemes

State Government Schemes

• Nirogi Haryana: a healthcare program that offers health screening and medical treatment to the residents of Haryana.
• Mukhyamantri Nidan Yojana: State health insurance scheme that offers diagnostic and laboratory testing services to the residents of Haryana.
• Deen Dayal Upadhyay Antyodaya Parivar Suraksha Yojana (DAYALU): state health insurance that offers financial assistance between ₹1 lakh and ₹5 lakh for death or disability.
• Chirayu Haryana: a cashless state health Insurance scheme that offers coverage of up to ₹5 lakh per family per year on a floater basis.
• Sehat Sarbat Yojana: coverage up to ₹5 lakh per family per year offered on a family floater basis for secondary and tertiary hospitalisations for the residents of Punjab.

Central Government Schemes

• Ayushman Bharat Scheme: centrally sponsored Health insurance that offers coverage of ₹5 lakh per family per year on a family floater basis for secondary and tertiary Hospitalization.
• Central Government Health Scheme: a central government Health Insurance scheme that offers medical coverage to central government employees, freedom fighters and pensioners.
• Pradhan Mantri Suraksha Bima Yojana: A health insurance scheme that offers coverage of accidental death and disability.
• Employee State Insurance Scheme: offers a health insurance scheme for Indian workers whose monthly income is up to 21,000 and extended up to 25,00 for persons with disabilities.