Ayushman Bharat PM-JAY Rajasthan

How PM-JAY works in Rajasthan ( Mukhyamantri Ayushman Arogya Yojana )

In Rajasthan, the Central Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) operated through an integrated state national framework known as Mukhyamantri Ayushman Arogya Yojana (MAAY). It was launched on 1 May 2021 with the purpose of providing health cover for all Rajasthan citizens. Unlike standard government health programs such as the Central Government Health Scheme (CGHS), Ayushman Bharat PM-JAY, and Rashtriya Swasthya Bima Yojana (RSBY), which are restricted solely to BPL or SECC-listed households, MAAY is accessible to every family in the state.

The scheme is administered through a unified digital network, the Rajasthan State Health Assurance Agency (RSHAA), including Operations, beneficiary verification, and claims processing. While central PM-JAY provides ₹5 Lakh per family, Rajasthan supplements the program to offer up to ₹25 Lakh per family annually for cashless secondary and tertiary hospitalisation, along with ₹10 Lakh in accidental insurance.

Key Highlights - Mukhyamantri Ayushman Arogya Yojana Rajasthan

Who is Eligible for Mukhyamantri Ayushman Arogya Yojana

• General Eligibility: Must be a resident of Rajasthan having a Jan Aadhaar Card (family Card).

• Eligible for Free Coverage (100% Govt. Sponsored):

  • Those families who are enrolled in the National Food Security Act (NFSA).
  • Those families who fall in the Socio-Economic and Caste Census (SECC) survey conducted in 2011.
  • Small and marginal farmers.Contractual employees of various state governments. agencies.
  • Helpless and destitute families are getting financial support during the COVID-19 period.
  • Families of the Economically Weaker Section.
  • Senior citizens more than 70 years old.

• Eligible for Paid Category (Subsidised Enrollment): All other families of Rajasthan, other than those mentioned above, are eligible to take the policy with a premium of Rs 850 per family per year.

Benefits and Coverage under Mukhyamantri Ayushman Arogya Yojana

1. Financial Coverage

   • ₹25 Lakh Health Insurance: Cashless In-patient cover for each family & each policy year for secondary & tertiary care.
   • Linked Accident Cover (MADBY)of ₹10 Lakh: is an accidental insurance scheme linked with Rajasthan's health scheme that provides financial assistance up to ₹10 Lakh to enrolled families in the event of accidental death or permanent disability.

2. Medical & Inpatient Benefits

   • Healthcare and Inpatient Benefits Cashless Admission: Complete elimination of all expenses regarding room fees, ICU treatment, nursing charges, surgery, physician's consultation fees, oxygen, blood, medicines, etc., at authorised hospitals.
   • Specialities and Medical Packages: Includes major procedures such as oncology (cancer care), cardiology, CTVS, organ transplant, neurosurgery, orthopaedics, and trauma care services.
   • Pre- and Post-Hospitalisation Benefits: All tests, diagnostics, and medication related to the illness up to 5 days prior to admission and 15 days after discharge from the hospital.
   • Pre-existing Condition on Day 1: No waiting period for any pre-existing health condition or chronic illness.
   • No Limitation on Age and Size of Family: All persons listed under the Jan Aadhaar card will be eligible, irrespective of age and size of family.
   • Newborn Infants are Automatically Covered: Newborn babies are automatically covered under Despite the fact that their names are not listed on the card.

Documents Required to Apply for Mukhyamantri Ayushman Arogya Yojana

• Jan Aadhaar Card / Jan Aadhaar Application Acknowledgement: The main document for identifying and verifying the family in Rajasthan.
• Aadhaar Card
• Ration Card: Mandatory for verification of eligibility under NFSA, if eligible.
• Proof of Category / Proof of Eligibility: Mandatory for eligible categories mentioned below:
• Contractual Worker (Samvida Karmi): Official departmental identity proof or engagement letter.
• Small and Marginal Farmer: Proof of land ownership through Jamabandi / Khasra.
• COVID-19 Ex-Gratia Beneficiary: Official relief/compensation document provided by the state government.
• Income Certificate
• Valid Mobile Number

How to Apply Step by Step for Mukhyamantri Ayushman Arogya Yojana (PM-JAY Rajasthan)

You can apply for Mukhytamantri Ayushman Arogya Yojana via two methods

1. Method 1: Online Application

   Step 1: Access the SSO Portal

   • Go to the official portal of Rajasthan SSO atsso.rajasthan.gov.in and log in with your SSO ID and Password.
   • In case you don’t have an account, then click on Register and create an account using your Aadhaar/Jan Aadhaar details. Navigate to the Scheme Application. Upon logging in, you will find the MAA-YOJANA (Chiranjeevi) icon on the dashboard.

   Step 2: Open the Scheme Application

   Once logged in, search for and click on the MAA-YOJANA icon from the dashboard and open the application form.

   Step 3: Verify your Jan Aadhaar and e-KYC

   • Confirm Jan Aadhaar and e-KYC
   • Enter your Jan Aadhaar Card Number or Enrollment Number to pull up your family details. Perform Aadhaar e-KYC using the OTP sent to the registered mobile number.

   Step 4: Select the Registration Category

   • Free Category: Automatically selected for your family if you belong to NFSA, SECC 2011, small/marginal farmers, and contractual workers.
   • Paid Category: In case you don’t qualify for the above-mentioned free category, go for paid enrollment. You will have to pay the annual subsidised premium of ₹850 per family through online payments.

   Step 5: Submit and Download the Policy

   Check your information, submit the application, and print out your official MAAY (Ayushman Card) Policy Document for any hospitalisations in the future.

2. Method 2: Offline Application(Via e-Mitra Centre )

   When arriving at a private hospital, go straight to the dedicated TPA/Ayushman Desk before starting admission formalities to avoid delay in pre-authorisation

   • Go to the nearest e-Mitra kiosk or Common Service Centre (CSC) in Rajasthan.
   • Provide your Jan Aadhaar card and Aadhaar card details to the CSC operator.
   • Authenticate yourself via fingerprint biometric or OTP.
   • If registering in the paid category, you have to make an annual payment of ₹850 to the operator.
   • The operator will then submit your application and give you the Ayushman card in printed form.

How to Check Application Status for the Mukhyamantri Ayushman Arogya Yojana (MAAY)

1. Method 1: Check Online via Jan Soochna Portal

   • Access Jan Soochna Portal. Go to Mukhyamantri Ayushman Arogya Yojana in the health scheme category. Click on the beneficiary status option.
   • Enter your Jan Aadhaar Card number/Aadhaar number.
   • Click on submit to check your status and eligibility.

2. Method 2:Check Online via Rajasthan SSO Portal

   • e-Mitra Kiosk: Go to your nearest e-Mitra facilitator and show your Jan Aadhaar Card for verification of your enrollment status within the scheme.
   • Hospital Help Desk: Go to the Ayushman Desk of any empanelled hospital with your Jan Aadhaar Card, and they will confirm your enrollment status on the spot.

Other Government Schemes

• Ayushman Bharat( PM-JAY): Provides eligible family members with cashless treatment for secondary and tertiary hospitalisation. Eligible families can get health cover of up to ₹5 lakh per family per year.
• Central Government Health Scheme: Acentral healthcare program which provides a comprehensive medical treatment.
• Employees' State Insurance (ESI) Scheme: Provides comprehensive medical care to eligible insured workers and their dependents. It does not have a fixed annual amount.
• Pradhan Mantri Suraksha Bima Yojana: India's government-backed accident insurance scheme, providing coverage for accidental death and disability at a low annual premium.