PMJAY: Top 10 Benefits of Ayushman Bharat Yojana

Ayushman Bharat Yojana, or Pradhan Mantri Jan Arogya Yojana (PMJAY), was launched by Prime Minister Shri Narendra Modi in 2018. This government-funded scheme provides annual health coverage of up to ₹5 lakh to economically weaker and vulnerable families across India. By covering a broad spectrum of medical procedures and treatments, PMJAY ensures access to quality healthcare without any financial burden.

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      What are the Benefits of Ayushman Bharat Yojana?

      The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is a major government healthcare initiative aimed at providing accessible health services to the poor and lower-income sections of society across India. Here are the 10 key benefits of Ayushman Bharat Yojana:

      1. Free Health Coverage

        Under the Pradhan Mantri Jan Arogya Yojana, each eligible family receives free health insurance coverage of up to ₹5 lakh every year. This enables families to access necessary medical treatments without worrying about the high costs associated with medicare.

      2. Coverage for the Whole Family

        The AB-PMJAY comes with a family floater benefit, which allows all eligible family members to use this health insurance cover. This means that the ₹5 lakh coverage amount is not limited to a single individual; instead, it can be shared among all eligible members of the family.

      3. No Restrictions on Family Size, Age & Gender

        The Ayushman Bharat PMJAY scheme imposes no restrictions on family size, age, or gender. This flexibility allows each member of the eligible families to benefit from this government health insurance scheme.

      4. Pre-Existing Diseases (PED) Coverage from Day 1

        One of the standout features of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is its coverage of pre-existing diseases from day 1. This means people with ongoing health issues can seek treatment immediately after enrolling in this scheme without serving any waiting period.

      5. Coverage for Pre and Post-Hospitalisation Expenses

        PMJAY not only covers hospitalisation costs but also the expenses incurred before and after a hospital stay. This government health scheme covers up to 3 days of pre-hospitalisation and 15 days of post-hospitalisation expenses. Thus, it enables beneficiaries to manage their entire medical care journey, from doctor consultations and diagnostic tests to post-hospitalisation follow-up care, without facing any unexpected financial burdens.

      6. Extensive Coverage of Medical Procedures

        The Ayushman Bharat Yojana provides comprehensive coverage, covering approximately 1,949 medical procedures, including secondary and tertiary care treatments. From essential surgeries to complex medical interventions, medicines, diagnostics, hospital stays, and food charges, most medical expenses are fully covered by this scheme.

      7. Universal Coverage for All Senior Citizens

        The scope of Pradhan Mantri Jan Arogya Yojana has been expanded to provide health insurance coverage to all senior citizens aged 70 years and above, regardless of their income. This Ayushman Bharat 2.0 provides financial support to around 6 crore senior citizens across India.

      8. Nationwide Access to Healthcare Benefits

        Another key advantage of the Ayushman Bharat PMJAY scheme is its portability. Beneficiaries can avail cashless treatment at any empanelled hospital across the country, regardless of their location. This ensures that healthcare services are accessible to beneficiaries whenever needed.

      9. Cashless Hospitalisation

        Beneficiaries of Pradhan Mantri Jan Arogya Yojana or PMJAY can enjoy cashless hospitalisation at both public and private empanelled hospitals across India. This means they do not need to pay upfront when receiving medical treatment. Instead, the scheme will pay the bills of the Ayushman hospital nearby up to the sum insured limit of ₹5 lakh. Thus, it will reduce the stress and hassle of making payments during a medical emergency.

      10. Reducing Financial Burden

        The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana aims to alleviate the financial burden of around 12 crore vulnerable families, or 55 crore beneficiaries, who represent the bottom 40% of the Indian population. By offering substantial mediclaim insurance coverage, the scheme helps to protect these families from falling deeper into poverty due to rising medicare costs.

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