Pradhan Mantri Jan Arogya Yojana(PM-JAY) also known as Ayushman Bharat Yojana is a pioneering initiative of Prime Minister Modi to ensure that poor and vulnerable populations are provided health cover. This initiative is part of the Government’s vision to ensure that its citizens – especially the poor and vulnerable groups have universal access to good quality hospital services without anyone having to face financial hardship as a consequence of using health services.

How does it work?

The Ayushman Bharat Yojana scheme offers health insurance cover to beneficiaries without any premium cost, treatment cost during and after the hospitalization. Ayushman Bharat scheme covers both pre and post-hospitalization expenses in addition to the in-patient charges.

And all the impaneled hospitals under PMJAY Scheme would have appointed Ayushman Mitra's, who will aid the patient by coordinating with the hospital’s beneficiary in order to cut the expenses. You will find these Ayushman Mitra at their help desk where they will be verifying the eligibility criteria, documents, and the enrolment process. They provide letters to all the beneficiaries with respective QR codes.

Furthermore, this QR code is scanned and verified for authentication to check the eligibility for people to avail Ayushman Bharat Yojana benefits.

And the best part about the Ayushman Bharat scheme is that it offers coverage across PAN India and offers cashless hospitalization benefits to the enrolled families in both public and private hospitals.

What is Covered under Pradhan Mantri Jan Arogya Yojana?

PMJAY covers the following expenses during the treatment:

• Provides coverage for medical examination, treatment, and consultation fee
• Pre-hospitalization expenses are covered 
• Post-hospitalization expenses are covered for 15 days
• The policy also covers the cost of medicine and medical consumables
• Hospital accommodation charges are also covered
• Non-intensive and ICU services
• The expenses incurred on the Diagnostic procedures are also covered
• Medical implantation services are covered where required
• Expenses incurred on complications arising during the medical treatment
• Food services

List of Critical Diseases covered under PM Jan Arogya Yojana (PMJAY)

PMJAY offers nearly 1,350 medical packages at any of the private network hospitals and all the public hospitals. Below are some of the critical illnesses that Pradhan Mantri Jan Arogya Yojana covers:

• Carotid angioplasty with stent
• Prostate cancer
• Coronary artery bypass grafting
• Skull base surgery
• Pulmonary valve surgery
• Double valve replacement surgery
• Anterior spine fixation
• Tissue expander for disfigurement following burns

How to apply online?

Here is a step by step guide on how you can apply for Pradhan Mantri Jan Arogya Yojana

Step 1: Visit the official website, mera.pmjay.gov.in.

Step 2: Now you have to log on to the government website.

Step 3: On the homepage enter your mobile number.

Step 4: Just below that you will see the captcha, enter the captcha in the empty box.

Step 5: After that click on Generate OTP option.

Step 6: An OTP number will be sent to your mobile, by which you can go to the website and verify.

Complete the necessary details to get the most benefits out of this scheme. So, these were some initial steps you need to follow for Pradhan Mantri Jan Arogya Yojana registration.

Documents Required to Apply For Ayushman Bharat Yojana Scheme

• Age & Identity Proof (Aadhaar Card/PAN Card)
• Contact details (mobile, address, email)
• Caste certificate
• Income certificate (maximum annual income to be only up to Rs. 5 lakh a year)
• Document proof of the current status of the family to be covered (Joint or nuclear)

Note: After your name is registered on the Pradhan Mantri Jan Arogya Yojana(PM-JAY) website, with the help of your ration card or mobile number, you can know that you are not getting the benefit of this scheme.

How to Check your Name in Ayushman Bharat Yojana Scheme List?

There are various methods to check your name in the PM Jan Arogya Yojana -PMJAY beneficiary list. Listed below are some of the ways that you can try:

• Online Method- Ayushman Bharat online list can be checked by the beneficiaries. All you need to do is visit the official online site of the National Health Authority for Ayushman Bharat Yojana.
• Common Service Centres (CSC)- If you are a beneficiary of Ayushman Yojna you can also visit the nearest Common Service Centres. If it is not possible to do so you can also visit any of the impaneled hospitals to collect the information form. You can check the Ayushman Bharat hospital list on their site or in your policy documents.
• Contact their Helpline No.- You can call on any of the government of India provided helpline numbers (e.g. 1800111565) to contact their customer care and seek the information about PMJAY Scheme, Ayushman card/e-card, Ayushman card apply, Ayushman card download, and even Ayushman Bharat Scheme registration.

If your name is there on the list, then only you will get the Ayushman Bharat Card.

How to Download your Pradhan Mantri Jan Arogya Yojana Card Online?

It is important to apply for the Ayushman card as it consists of a dedicated family identification number. AB-NHPM is provided to every beneficiary household. Below are the steps that you can follow to apply or download your Ayushman card online-

• Firstly, visit Ayushman Bharat Yojana official website - https://pmjay.gov.in/
• Now login with your email id and generate a password
• Enter your Aadhaar number to proceed further
• Click on the approved beneficiary option
• It will be redirected to their help center
• Now enter your password in CSC and the pin number
• It will be redirected to the home page
• You will see the download option form where you can download your Ayushman Bharat golden card

Wealth Cafe Advice

It is good to stay updated about this scheme where you or your family are eligible and could be a part of the scheme. As per the terms, you cannot apply for it on your own. Let's wait and see how it works out and soon most of the people would get covered under it. Until then apply for the other government schemes that are available to you. 

1. Atal Pension Yojana
2. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
3. Sukanya Samriddhi Yojana
4. Pradhan Mantri Shram Yogi Maan-Dhan

 

A large portion of India’s population (80%) is without insurance of any kind i.e health, accident, or life. Therefore in the year 2015, the Finance Minister announced PMJJBY along with 2 other schemes in his budget speech.

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a life insurance scheme in India backed by the Government. The life insurance scheme is valid for one year and is renewable from year to year, offering coverage in case of sudden death.

How does the scheme work?

The scheme is applicable for a period of one year. The scheme will be offered by the LIC and all insurers who are willing to join the scheme. Bank will be the master policyholder and will execute the claim and issue the scheme on the insurance company’s behalf.

This cover is only for death and hence the benefit will accrue to the nominee on death of the policyholder. Therefore, it covers morality and no investment component. 

The current risk period is from the 1st of June to the 31st of May. . The same will be renewable yearly.  Delayed enrolment for prospective cover is possible with payment of pro-rata premium as described below;

Simply put the premium amount that you have to pay will depend upon in which quarter you enroll for the scheme. Where you enroll in:

• June, July & August: Annual Premium of INR 330 is payable
• September, October & November: Annual Premium of INR 258 is payable
• December, January & February: Annual Premium of INR 172 is payable
• March, April & May: Annual Premium of INR 86 is payable

A Lien period of 45 days shall be applicable from the date of enrolment. However, deaths due to accidents will be exempt from the lien clause, the Reserve Bank of India said in a note.

The cover shall be for a one-year period stretching from 1st June to 31st May for which the option to join/pay by auto-debit from the designated individual bank / Post office account on the prescribed forms will be required to be given by 31st May of every year. Delayed enrollment for prospective cover is possible with payment of a pro-rata premium as laid down in the above parameter. 

There is a waiting period of 30 days in the insurance policy when you first apply for it, which means, If you are enrolling for the first time on or after 1st June 2021, the insurance cover shall not be available for death (other than due to an accident) occurring during the first 30 days from the date of enrolment into the scheme (lien period) and in case of death (other than due to accident) during lien period, no claim would be admissible. 

If you exit the scheme at any point you may rejoin the scheme in future years. 

In future years, new entrants into the eligible category or currently eligible individuals who did not join earlier or discontinued their subscription shall be able to join while the scheme is continuing, subject to the 30 days lien period described above.

Coverage

The total death benefit provided is INR 2 Lakhs. In case of death of the insured, the nominee can claim the amount, which would be tax-free. The claim process is also simple and hassle-free. 

Eligibility

To avail of benefits, you must fulfill the below requirements:

1. Must be a citizen of India.
2. Must be between the age of 18-50
3. Must have a bank account/post office account linked with your Aadhar
4. Must have a valid mobile number

Note: The PMJJBY may be terminated if:

• An insured person crosses the age of 55 years
• Closure of accounts with the Bank/ Post office or insufficiency of balance to keep the insurance in force.

 

Pradhan Mantri Suraksha Bima Yojan (PMSBY)

Pradhan Mantri Suraksha Bima Yojana offers a renewable one-year accidental death and disability cover of Rs 2 lakh at Rs 12 premium every year. You will get Rs 1 lakh in case of partial permanent disability.

The entry age of the scheme ranges from a minimum of 18 to a maximum of 70 years old.

How to apply?

You can get PMJJBY as well as PMSBY via LIC or any other life insurance company in India. Also, many banks have the facility for PMJJBY & PMSBY at their branches. 

The enrollment process is quite simple:

1. Download the application form from jansuraksha.gov.in/FORMS.aspx 
2. Submit the duly filled form with your bank
3. Submit the necessary documents
4. Upon verification, you will be successfully registered

Most banks also offer an SMS-based enrollment process.  Check with your banks for the details on the same and proceed with the application. You can also apply for it from your bank's official website.

How to get the benefit? 

1. Nominee to approach the bank where the subscriber opened the scheme with a 'savings bank account' along with the death certificate of the member.
2. Nominee to collect claim form, and discharge receipt from the bank or any designated source like insurance company branch, hospital, etc. including from designated website
3. After that, the nominee will have to submit the filled claim form and the discharge receipt, along with the death certificate with a photocopy (Xerox copy) of the canceled cheque of the nominee's bank account or the subscriber's PMJJBY linked bank account. 

Then the bank will start the procedure of insurance claim. The bank is expected to process it within 30 days to forward the completed claim form to the insurance company. 

The union government has incorporated all the insurance-related information on this website - www.jansuraksha.gov.in. 

Wealth Cafe Advice:

Let us take an example of a regular life insurance scheme vs PMJJY and understand its benefits in a better way:

	Regular	PMJJY
Current Age	27	27
Years of contribution until age  55	28	28
Cover	INR 5,00,000	INR 2,00,000
Annual Contribution	INR 5000	INR 330
Total contribution	INR 1,40,000	INR 9,240
Annualized Return	5%	12%

 

Please note that this to give you an idea that INR 2 lakhs may not seem enough for your insurance needs but the scheme is a very good scheme in perspective of the benefits it is providing to a larger section of the society who do not have any access to any insurance currently.  It is a great option to cover yourself and your loved ones, you must apply for it, in fact, ask your team member, help and other people around you to also apply for this scheme. 

Having a government-backed scheme to financially protect your loved ones in case anything were to happen to you is a wise decision, especially if you belong to the low-income category. 

You can also check for other 2 benefits provided by the government:

1. Atal Pension Yojana
2. Pradhan Mantri Jan Arogya Yojana (PMJAY)
3. Sukanya Samriddhi Yojana
4. Pradhan Mantri Shram Yogi Maan-Dhan