Discover Ayushman Bharat Yojana in Rajasthan offering substantial health coverage. Find eligibility criteria and learn how to apply online and offline
Ayushman Bharat Yojana Rajasthan – Overview
The Ayushman Bharat Yojana in Rajasthan, launched on January 30, 2021, is a groundbreaking healthcare initiative led by Chief Minister Ashok Gehlot. This scheme is dedicated to providing comprehensive health coverage to the people of the state. What sets it apart is the substantial health cover it offers, which has been increased from ₹ 3,30,000 to an impressive ₹ 5,00,000. This expansion aims to offer greater financial protection and ensure access to high-quality healthcare.
The Ayushman Bharat Mahatma Gandhi Health Insurance Scheme targets a wide beneficiary base, encompassing around 1.1 crore families. It caters to both urban and rural populations, making quality healthcare accessible to a vast section of society. The scheme provides financial assistance for medical treatment, with beneficiaries eligible for up to ₹ 50,000 for common diseases and a generous ₹ 5,00,000 for severe illnesses.
A significant strength of the Ayushman Bharat Yojana is its inclusivity. Beneficiaries have the option to seek treatment in both private and government hospitals, offering choice and flexibility in healthcare delivery. This adaptability is vital to address the diverse healthcare needs of the population.
Details of Ayushman Bharat Yojana 2023
| Name of the Scheme | Ayushman Bharat Mahatma Gandhi Health Insurance |
| Who Launched | Rajasthan Government |
| Beneficiary | Citizens of Rajasthan |
| Objective | Providing insurance cover |
| Official Website | https://health.rajasthan.gov.in/ |
| Year | 2023 |
| Insurance Cover | ₹ 5,00,000 |
| Number of Beneficiaries | 1 Crore 10 Lakh |
Ayushman Bharat Scheme 2023 Premium
The Ayushman Bharat Yojana Scheme for 2023 offers comprehensive coverage, including medical expenses five days prior and fifteen days after hospitalisation. To access these benefits, beneficiaries must present their Aadhar Card or Jan Aadhar Card. The scheme’s total annual premium is set at ₹ 1,750 crore, with the state government covering approximately 80% (₹ 1,400 crore) of the costs. Notably, the number of available medical packages has increased from 1,401 to 1,576. In the near future, the scheme will also introduce state portability, allowing beneficiaries to receive free treatment in other states, further enhancing the accessibility and flexibility of healthcare services.
Scope of Ayushman Bharat Yojana
The scope of the Ayushman Bharat Mahatma Gandhi Health Insurance Scheme has significantly expanded in recent years. Initially known as the Bhamashah Health Insurance Scheme, it originally catered to the families of the National Food Security Scheme. However, a notable transformation has taken place. The scheme has now incorporated families eligible under the socio-economic census, greatly broadening its reach and inclusivity. It’s important to note that the Pradhan Mantri Ayushman Bharat Yojana is not active in Rajasthan, as it was exclusively available to families included in the Socio-Economic Survey of 2011. The 2023 version of the Ayushman Bharat Yojana now encompasses families eligible under both socio-economic census and the national food security criteria. This expansion ensures that a larger segment of the population can benefit from the scheme’s healthcare coverage.
Objective of Ayushman Bharat Yojana
The Ayushman Bharat Mahatma Gandhi Health Insurance Scheme carries a noble and vital objective at its core. It addresses the significant healthcare challenges faced by many people in Rajasthan, whose financial circumstances often hinder their access to medical treatment. Launched by the Rajasthan government, this scheme is a beacon of hope for these individuals. Its primary goal is to extend comprehensive insurance coverage to all eligible citizens of Rajasthan, ensuring that they can receive essential medical care in both government and private healthcare facilities.
This initiative relieves the burden of healthcare expenses and empowers the people of Rajasthan to access treatments up to ₹ 5,00,000 without the looming concern of financial constraints. Beyond offering financial relief, the Ayushman Bharat Yojana paves the way for enhanced health and well-being among the state’s citizens, ultimately contributing to an improved quality of life.
Benefits and Features of Ayushman Bharat Yojana
The Ayushman Bharat Mahatma Gandhi Health Insurance Scheme offers a plethora of benefits and features, making it a crucial healthcare initiative in Rajasthan:
- Comprehensive Health Cover: The scheme provides extensive health coverage of up to ₹500,000 for beneficiaries.
- Leadership: Launched by Rajasthan Chief Minister Ashok Gehlot on January 30, 2021, it’s a government-backed program.
- Broad Beneficiary Base: Over 1 crore 10 lakh families stand to benefit from this initiative.
- Enhanced Coverage: The health cover has been increased from ₹ 3,30,000 to ₹ 5,00,000, ensuring greater financial protection.
- Medical Treatment: Under the scheme, beneficiaries can avail of treatment up to ₹ 50,000 for common diseases and ₹ 5,00,000 for severe ailments.
- Choice of Hospitals: Treatment is available in both private and government hospitals, offering flexibility.
- Pre and Post-Hospitalisation Coverage: Medical expenses for five days before and fifteen days after hospitalisation are covered.
- Identification: Beneficiaries must show their Aadhar Card or Jan Aadhar Card to access the scheme’s benefits.
- Affordable Premium: The total annual premium is ₹1,750 crore, with the state government covering ₹1,400 crore (about 80%).
- Wider Medical Packages: The scheme now offers 1,576 packages, up from 1,401, to meet diverse healthcare needs.
- State Portability: Soon, beneficiaries will have the option of receiving free treatment in other states, enhancing access.
- Previously Known as Bhamashah Health Insurance: The scheme was formerly called the Bhamashah Health Insurance Scheme.
- Inclusive Criteria: Families eligible under Socio-Economic Survey 2011 and National Food Security are now included.
- Cashless Treatment: The scheme offers cashless treatment to beneficiaries.
- Family Floater Scheme: It operates as a family floater scheme, extending coverage to eligible family members.
What Are the Things Not Covered Under Ayushman Bharat Mahatma Gandhi Health Insurance Scheme?
- Expenses for excessive drug use are not covered.
- Congenital external conditions, anomalies, and similar issues are excluded.
- Conditions arising from suicide or suicide attempts are not eligible for coverage.
- Unwarranted plastic surgery is not included.
- Vaccinations are not part of the scheme’s coverage.
- Avoidable hospital stays are not covered.
- Procedures for gender reassignment, including hormone therapy, are not eligible.
- Unnecessary dental treatments are excluded.
- Superfluous use of vitamins and tonics is not covered.
Ayushman Bharat Yojana 2023 Claim Settlement
Under the Ayushman Bharat Yojana 2023, a streamlined process ensures that beneficiaries receive the healthcare they need promptly. To facilitate this, certain essential documents must be carried during treatment, allowing beneficiaries to access the required medical services.
When beneficiaries seek treatment, the hospital conducts a thorough document verification process. This process is crucial, as it paves the way for the subsequent claim settlement. The hospital will initiate contact with the insurance company after verifying the necessary documents.
The key documents that play a pivotal role in this process include the Bhamashah card, the enrollment slip, and the patient’s Aadhar card. For beneficiaries to access the scheme’s benefits, it’s imperative that the patient’s Bhamashah card is linked to their Aadhar card. Additionally, the family’s HH ID number may be required at the time of claim.
Once the verification is complete, beneficiaries can enjoy the convenience of cashless treatment, with coverage extending up to ₹ 5 lakh. This straightforward and efficient process ensures that beneficiaries can focus on their health, with the assurance that their medical expenses will be settled promptly and smoothly.
Eligibility for Ayushman Bharat Yojana
To access the comprehensive benefits of the Mahatma Gandhi Health Insurance Scheme, certain eligibility criteria must be met. Here’s what you need to qualify:
- Beneficiaries must be permanent residents of Rajasthan, ensuring the scheme primarily serves the state’s population.
- To be eligible, beneficiaries are required to possess both an Aadhar Card and a Jan Aadhar Card, providing essential identification.
- Beneficiaries should come from households identified as eligible for National Food Security based on the Socio-Economic Survey of 2011. This criterion aims to support economically disadvantaged families.
- The beneficiary should belong to an economically disadvantaged family, underlining the scheme’s commitment to providing healthcare coverage to those in need.
Ayushman Bharat Yojana Important Documents
-
Aadhar Card
- Jan Aadhar Card
- Ration Card
- Income Certificate
- Residence Verification
- Age Verification
- Passport-sized Photograph
- Mobile Contact Information
Process to Apply Online for Ayushman Bharat Mahatma Gandhi Health Insurance Scheme
- Step 1: Begin by visiting the official website of the Mahatma Gandhi Swasthya Bima Yojana.
- Step 2: Once on the website, the homepage will be displayed.
- Step 3: Navigate to the ‘Apply Online’ link on the homepage.
- Step 4: Click on the ‘Apply Online’ link, and an application form will appear on the screen.
- Step 5: Fill in all the necessary information as requested in the application form.
- Step 6: Attach all the required documents as specified in the form.
- Step 7: After completing the form and attaching the necessary documents, click the ‘Submit’ button.
- Step 8: Your application for the Ayushman Bharat Mahatma Gandhi Swasthya Bima Yojana will be successfully submitted.
Process to Apply Offline Under Ayushman Bharat Mahatma Gandhi Health Insurance
- Step 1: Initiate the application process by visiting the health department office in your respective district.
- Step 2: Upon arrival, request the application form for the Ayushman Bharat Mahatma Gandhi Health Insurance Scheme from the health department.
- Step 3: Complete the form by providing all the necessary information as indicated.
- Step 4: Attach all the essential documents as specified within the form.
- Step 5: Once the form is duly filled and accompanied by the required documents, submit it to the health department.
Step 6: Your application for the Ayushman Bharat Yojana will be successfully filed, enabling you to access the scheme’s healthcare benefits.
Frequently Asked Questions
How can I apply for an Ayushman card in Rajasthan?
Step 1: Begin by accessing the official website dedicated to this healthcare program. Step 2: Once on the homepage, select the option for online application. Step 3: Subsequently, an application form will be displayed for you. Step 4: Complete the form by providing all the requisite information as specified. Step 5: Attach all the necessary documents, and finalise your application by clicking the 'Submit' button.
Who is eligible to avail the benefits of the Ayushman Bharat yojana?
Households without any members aged 16 to 59 years. Households containing at least one person with a physical disability and lacking any able-bodied adult members. Landless families that sustain themselves through occasional manual labour.
Is the Ayushman Bharat Scheme applicable specifically in Rajasthan?
Individuals eligible for both the PMJAY and BSBY programs also meet the criteria for Ayushman Bharat Yojana Rajasthan. To apply for the AB-MGRSBY scheme online, follow these steps: Step 1: Access the official healthcare scheme website. Step 2: On the homepage, select the option for online application.
What is the application process for the Ayushman card?
Visit the PMJAY portal and choose 'Check Eligibility.' Provide your mobile number and the CAPTCHA code, then click 'Generate OTP.' Next, select your state and search using either your name, HHD number, ration card number, or mobile number. Review the search results to confirm if your family falls under the PMJAY coverage.
How can I apply for the Ayushman Card in 2023?
Access the authorised website and utilise the 'Am I Eligible' tool, entering your Aadhar Card Number for validation. If found eligible, proceed to fill out the Ayushman Bharat yojana Form 2023 and complete the registration process. Your application will undergo verification by relevant authorities, and upon approval, your name will be enlisted in the Ayushman Bharat 2023 roster.
Is it possible to apply for the Ayushman card online by myself?
Yes, prospective applicants can follow the steps below to apply for the Ayushman Bharat Card 2023 on pmjay.gov.in. Visit the provided portal and select 'Create ABHA Card.' Input your Aadhar Card Number and confirm with the OTP. Then, proceed to complete the application form by entering the requisite details.
What are the eligibility criteria for obtaining an Ayushman Card?
Individuals residing in households classified as scheduled caste or scheduled tribe. Beggars and individuals reliant on charitable contributions. Households without any members aged 16 to 59 years. Households containing at least one person with a physical disability and lacking any able-bodied adult members.
How can I check my eligibility for the Ayushman Card?
You can verify your eligibility on the official website by utilising the 'Am I Eligible' feature and then confirming your eligibility using your Aadhar Card Number. If you meet the criteria, proceed to complete the Ayushman Bharat Form 2023 and complete your registration.
Is there a deadline for obtaining an Ayushman card?
Provides coverage for pre-hospitalisation expenses, including medicines and diagnostics, for up to 3 days. Offers coverage for post-hospitalisation expenses, encompassing medicines and diagnostics, for a duration of up to 15 days. No limitations on family size, gender, or age are imposed.
Which diseases are covered under the Ayushman card, and how is the limit of 5 lakh determined?
Particular individuals and households at large can avail the ₹ 5 lakh insurance coverage offered by the Pradhan Mantri Jan Arogya scheme. This comprehensive sum is sufficient to address medical and surgical treatments in 25 specialised fields, including cardiology, neurosurgery, oncology, paediatrics, orthopaedics, and more.
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