Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana
State: Central
Ministry: Ministry Of Health & Family Welfare
Department: Department of Health and Family Welfare
Category: Health & Wellness
Beneficiary Type: Family

AB PM-JAY is a health insurance scheme for low-income families in rural and urban areas. The scheme aims to provide affordable healthcare facilities to the Poor. It is the largest health assurance scheme in the world which aims at providing a health cover of ₹5,00,000/- per family per year.

Benefits:
> **Financial Health Insurance Cover:**

- **Annual Hospitalization Coverage:** Cashless coverage up to ₹5,00,000/- per family per year.- **Comprehensive Treatment Costs:** Covers consultation, medicines, diagnostics, surgery, ICU, implants, accommodation, and food.- **Pre and Post Hospitalization Support:** Covers 3 days pre-hospitalization and 15 days post-hospitalization expenses.- **Treatment Complication Coverage:** Covers complications arising during treatment.
> **Coverage Features:**

- **Pre-Existing Disease Coverage:** Covers all pre-existing diseases from day one.- **No Family Size Limit:** No restriction on age, gender, or family size.- **Nationwide Portability:** Benefits available across India in empanelled hospitals.- **Wide Procedure Coverage:** Covers approximately 1,929 medical procedures.
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Eligibility:
> **Rural Beneficiaries**

Out of the total seven deprivation criteria for rural areas, PM-JAY covered all such families who fall into at least one of the following six deprivation criteria and automatic inclusion(Destitute/ living on alms, manual scavenger households, primitive tribal group, legally released bonded labour) criteria:

1. Only one room with kucha walls and kucha roof
1. No adult member between ages 16 to 59
1. Households with no adult male member between ages 16 to 59
1. Disabled member and no able-bodied adult member
1. SC/ST households
1. Landless households deriving a major part of their income from manual casual labour

- Automatically includedHouseholds without shelter

1. Destitute/ living on alms,
1. Manual scavenger families,
1. Primitive tribal groups,
1. Legally released bonded labour.

> **Urban Beneficiaries**

For urban areas, the following 11 occupational categories of workers are eligible for the scheme:

1. Ragpicker
1. Beggar
1. Domestic worker
1. Street vendor/ Cobbler/hawker / other service provider working on streets
1. Construction worker/ Plumber/ Mason/ Labour/ Painter/ Welder/ Security guard/ Coolie and other head-load worker
1. Sweeper/ Sanitation worker/ Mali
1. Home-based worker/ Artisan/ Handicrafts worker/ Tailor
1. Transport worker/ Driver/ Conductor/ Helper to drivers and conductors/ Cart puller/ Rickshaw puller
1. Shop worker/ Assistant/ Peon in small establishment/ Helper/Delivery assistant / Attendant/ Waiter
1. Electrician/ Mechanic/ Assembler/ Repair worker
1. Washer-man/ Chowkidar

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Application Process:
[Offline]
The Arogya Mitra searches the available list of beneficiaries using details such as name, location, ration card number, mobile number, or the RSBY URN of the beneficiary. After this, the beneficiary is searched for in the BIS. The individual is identified and the scanned valid ID documents are then uploaded.
To get a PMJAY e-card for themselves and their family, a potential beneficiary needs to visit either a hospital or a Community Service Centre (CSC) for identification and follow the steps mentioned below:
Step 1: Potential AB-PMJAY beneficiaries are to submit the PM letter/ RSBY URN/ RC Number/ Mobile Number - The operator (commonly known as the Arogya Mitra) searches the available list of beneficiaries. The operator does this by entering details such as name, location, Ration Card number, mobile number, or even RSBY URN of the beneficiary.
Step 2: Search in the BIS Application - The operator searches for the potential beneficiary in the entitled SECC, RSBY, State Health Scheme, Additional Data Collection Drive databases.
Step 3: Individual Identification - The identification process is carried out if the name is found in the list. For this, documents like Aadhaar or any government ID and a Ration Card or an alternative family ID are required to validate against the details available in the system. Scanned documents are then uploaded.
Step 4: Family Identification - The Arogya Mitra then identifies the family records through the ration card and the scanned documents are then uploaded. The Arogya Mitra then submits the individual and family records to the trust/insurance company for approval.
Step 5: Approval or Rejection - The Health insurance company or trust may then approve or recommend rejection for the submitted beneficiaries. The cases that are recommended for rejection will be finally verified for approval or rejection by the State Health Agency (SHA).
Step 6: E-card Issuance - On approval by SHA/insurance company/trust, an e-card will be issued to the beneficiary.

[Online]
Step 1: Register on the UMANG Portal- Visit the official website of UMANG. In the top right corner of the landing page, click "Register." You will be taken to the Registration Page.
Step 2: Mobile Number Verification and MPIN Creation- You will be redirected to the mobile number verification page. Enter your mobile number and get it verified via OTP. Create an MPIN to complete the registration process. You will be taken to the UMANG homepage. Login using your Mobile Number and MPIN.
Step 3: Accessing Services on UMANG- In the tabs provided at the bottom of the page, click on the "All Services" tab. Select the service you want to apply for. You will be taken to the Online Application Form.
Step 5: Completing the Application- In the application form, fill in all the mandatory fields and upload all the required documents in the specified format and size.
Step 6: Review and Confirmation- Carefully review all the information provided and the documents uploaded. Make any necessary corrections, if required. Acknowledge and agree to the terms and conditions, declaration, and privacy policy, if any.
Step 7: Submitting the Application- Click the "Submit" or "Apply" button to submit your application. You'll receive a confirmation message upon successful submission of the application.

Documents Required:
1.	Age & Identity Proof (Aadhaar Card / PAN Card).
2.	Proof of Address.
3.	Contact details (Mobile, e-mail).
4.	Caste Certificate.
5.	Income Certificate.
6.	Document Proof of the Current Status of the Family (Joint or Nuclear).
7. Aadhaar Card.