In a country as vast and diverse as India, access to affordable healthcare is a fundamental right that every citizen should enjoy. However, the reality is that millions of Indians still struggle to afford quality medical treatment when they need it the most. Recognizing this pressing need, the Government of India launched the Ayushman Bharat Yojana, a revolutionary healthcare scheme aimed at providing financial protection and access to healthcare services for all eligible citizens. In this blog post, we will explore what Ayushman Bharat Yojana entails and how you can take advantage of its benefits.

Understanding Ayushman Bharat Yojana

Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a flagship healthcare scheme launched by the Government of India in September 2018. The scheme has two main components:

  1. Pradhan Mantri Jan Arogya Yojana (PMJAY): Under this component, eligible beneficiaries are provided with health insurance coverage of up to ₹5 lakh per family per year for secondary and tertiary care hospitalization. The coverage includes medical treatment for a wide range of illnesses and procedures, including surgical interventions and critical care.
  2. Health and Wellness Centers (HWCs): The second component of Ayushman Bharat Yojana focuses on strengthening primary healthcare services through the establishment of Health and Wellness Centers (HWCs). These centers provide comprehensive healthcare services, including preventive, promotive, and primary care, closer to the community.

Who Can Benefit from Ayushman Bharat Yojana?

Ayushman Bharat Yojana is designed to benefit economically vulnerable families across India. The following groups are eligible to avail of the scheme’s benefits:

  1. Economically Weaker Sections (EWS): Families identified as economically weaker sections based on the Socio-Economic Caste Census (SECC) database are eligible for Ayushman Bharat Yojana.
  2. Scheduled Castes (SC) and Scheduled Tribes (ST): Families belonging to Scheduled Castes and Scheduled Tribes are automatically eligible for the scheme’s benefits, irrespective of their income level.
  3. Other Eligible Categories: Additionally, certain other vulnerable groups, such as manual scavengers, street vendors, domestic workers, and construction laborers, are also eligible to benefit from Ayushman Bharat Yojana.

How to Avail the Benefits of Ayushman Bharat Yojana

Taking advantage of Ayushman Bharat Yojana is a straightforward process. Here’s how you can avail of its benefits:

  1. Check Eligibility: The first step is to check whether you are eligible for Ayushman Bharat Yojana. You can do this by visiting the official website of PMJAY or by contacting the nearest Common Service Center (CSC) or Ayushman Mitra.
  2. Identification and Enrollment: If you are eligible, you will need to provide necessary identification documents, such as Aadhaar card, ration card, or any other relevant documents, to enroll in the scheme. You can visit your nearest CSC or Ayushman Mitra center for assistance with the enrollment process.
  3. Receive Ayushman Bharat Card: Once enrolled, you will receive an Ayushman Bharat card containing your unique identification number. This card will serve as proof of your enrollment in the scheme and will be required when availing healthcare services under Ayushman Bharat Yojana.
  4. Seek Treatment at Empaneled Hospitals: Ayushman Bharat Yojana has a network of empaneled public and private hospitals where beneficiaries can avail of healthcare services. You can visit any of these empaneled hospitals for medical treatment.
  5. Present Ayushman Bharat Card: When seeking treatment at an empaneled hospital, make sure to present your Ayushman Bharat card to avail of cashless treatment. The hospital will verify your eligibility and provide the necessary medical care as per the scheme’s guidelines.
  6. Receive Treatment: Once your eligibility is verified, you can receive the required medical treatment without having to worry about the financial burden. Ayushman Bharat Yojana covers a wide range of medical procedures, including hospitalization, surgeries, diagnostic tests, and medications.


Please note:

  • GrowWise is not registered with the Securities and Exchange Board of India (SEBI) as an investment advisor, research analyst, or portfolio manager.
  • The information published on this blog is presented for educational purposes only and should not be construed as financial advice.
  • We strongly recommend that you seek the advice of a qualified financial advisor before making any investment decisions.