Ayushman Bharat Yojana: How to Get Free Treatment up to ₹5 Lakh in Emergency? Know Here

Ayushman Bharat Yojana: How to Get Free Treatment up to ₹5 Lakh in Emergency? Know Here Health emergencies can happen anytime, and the cost of hospital treatment can be very high. To help poor and low-income families in India, the Government of India has launched the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY). Under this scheme, eligible families can get free treatment up to ₹5 lakh every year in selected hospitals. The best part is that it covers both government and private hospitals.

In this article, we will explain what this scheme is, who can get it, and how you can use it in an emergency.

What is Ayushman Bharat Yojana?

Ayushman Bharat Yojana is a health insurance scheme started in 2018 by the Government of India. The aim is to provide free healthcare to poor and economically weak families. Under this scheme:

• Treatment up to ₹5 lakh per family per year is provided free of cost.
  
• Both cashless and paperless treatment is available in empanelled hospitals.
  
• Covers over 1,500 diseases, including surgeries, medical treatments, and follow-up care.
  
• More than 12 crore families are covered under this scheme.
  

Who Can Get Benefits?

Not everyone is eligible for Ayushman Bharat. The scheme mainly covers poor and low-income families identified in the Socio-Economic Caste Census (SECC) 2011 data.

Eligibility for Rural Families:

• Families without any adult male member between 16–59 years.
  
• Families living in one-room houses with kuccha walls and roof.
  
• Families without proper land or livelihood.
  
• Manual scavenger families.
  

Eligibility for Urban Families:

• Families of daily wage laborers, street vendors, domestic workers, rickshaw pullers, sanitation workers, etc.
  

Note: You can check your eligibility online on the official PM-JAY website or at the nearest Common Service Center (CSC).

Diseases and Treatments Covered

Ayushman Bharat covers almost all major health problems, such as:

• Heart surgery
  
• Kidney transplant
  
• Cancer treatment
  
• Bone fracture operations
  
• Maternity and child health services
  
• Accident and trauma care
  
• Burns treatment
  

It includes pre-hospitalization, hospitalization, and post-hospitalization costs.

How to Check if You Are Eligible

You can check your name in the Ayushman Bharat list in three simple ways:

1. Online
   
   • Visit the official PM-JAY website (https://pmjay.gov.in).
     
   • Click on “Am I Eligible?”
     
   • Enter your mobile number and OTP to log in.
     
   • Search by your name, ration card, or family ID.
     
2. By Calling Helpline
   
   • Dial the Ayushman Bharat Helpline number 14555 or 1800-111-565.
     
3. At CSC or Hospital Help Desk
   
   • Visit the nearest Common Service Center or empanelled hospital.
     
   • Give your ration card or Aadhaar card for verification.
     

How to Get Free Treatment in Emergency

If you have an emergency like an accident, heart attack, or serious illness, follow these steps:

1. Go to the Nearest Empanelled Hospital
   
   • You can choose a government or private hospital that is registered under Ayushman Bharat.
     
   • In an emergency, you do not need prior approval; treatment starts immediately.
     
2. Show Your ID Proof
   
   • Give your Ayushman Bharat Card or Aadhaar card.
     
   • If you don’t have a card, the hospital can check your eligibility online.
     
3. Hospital Confirms Eligibility
   
   • The Ayushman Mitra (help desk staff) in the hospital will confirm your details.
     
4. Cashless Treatment Begins
   
   • You don’t need to pay anything. The hospital directly gets payment from the government.
     

How to Get Ayushman Bharat Card

If you are eligible, you can get your Ayushman Bharat Golden Card by:

• Visiting the nearest CSC center.
  
• Giving your Aadhaar and ration card.
  
• They will print your card after verification.
  

Important Points to Remember

• The ₹5 lakh limit is per family, not per person.
  
• Only empanelled hospitals will give cashless treatment.
  
• Keep your Ayushman card safe for quick emergency use.
  
• Both planned and emergency treatments are covered.
  

Benefits of Ayushman Bharat Yojana

• Financial protection for poor families.
  
• Access to quality healthcare in private hospitals.
  
• No restriction on family size – all members are covered.
  
• Nationwide coverage – can be used anywhere in India.
  

Conclusion

Ayushman Bharat Yojana is a big step towards making healthcare affordable for everyone. If you are eligible, you must get your Ayushman Bharat card and keep it ready for emergencies. In case of sudden illness or accident, you can go to the nearest empanelled hospital and get treatment without worrying about money. With up to ₹5 lakh coverage, it can save lives and reduce the burden of medical expenses.

• Business Idea: Make 22 Lakh Paper Cups a Year and Earn Huge Profit