The Ayushman Bharat Yojana, also known as Pradhan Mantri Jan Arogya Yojana (PM-JAY), has become a lifeline for millions of Indians by offering free health insurance of up to ₹5 lakh per family per year. The scheme provides beneficiaries with an Ayushman Card, enabling them to access cashless treatment for a wide range of medical procedures. However, there is often confusion about where this card can be used and the specific rules governing its use. Let’s dive into the details to understand how the Ayushman Card works and the guidelines you need to follow for availing treatment.
What is the Ayushman Card?
The Ayushman Card is an identification document provided to eligible beneficiaries under the Ayushman Bharat Yojana. It serves as proof of enrollment in the scheme and allows individuals to access free medical treatment at empaneled hospitals. With this card, families from economically weaker sections can receive cashless healthcare for both minor and major illnesses.
Where Can You Use the Ayushman Card?
One of the most frequently asked questions is whether the Ayushman Card can be used at all hospitals in India. The answer is no—the card is only valid at hospitals that are empaneled under the Ayushman Bharat Yojana. These hospitals include both public and private healthcare facilities that meet the program’s criteria for quality and services.
Types of Empaneled Hospitals:
- Government Hospitals: All government hospitals across the country participating in the scheme accept the Ayushman Card for eligible treatments.
- Private Hospitals: Many private healthcare facilities are also empaneled, providing access to specialized care and advanced medical procedures.
- Specialty Hospitals: Certain specialty hospitals, such as cancer care centers or orthopedic institutes, are also part of the network.
It is important to check the list of empaneled hospitals in your area to know where you can avail of services under the scheme.
How to Check Empaneled Hospitals?
The National Health Authority (NHA), which manages Ayushman Bharat Yojana, has made it easy for beneficiaries to check the list of empaneled hospitals. Here’s how you can do it:
- Official Website: Visit the official Ayushman Bharat website (pmjay.gov.in) and use the “Find Hospital” feature to search for empaneled hospitals near you.
- Ayushman App: Download the Ayushman Bharat app, where you can find a comprehensive list of hospitals participating in the scheme.
- Helpline Number: You can also call the Ayushman Bharat helpline at 14555 to inquire about empaneled hospitals.
By using these tools, beneficiaries can ensure they visit the correct hospitals to avail of cashless treatment under the scheme.
Rules for Using the Ayushman Card
While the Ayushman Card provides access to free treatment, there are specific rules and guidelines that beneficiaries must follow:
1. Eligibility Verification
Before availing treatment, your eligibility will be verified using the Ayushman Card. Beneficiaries need to present the card at the hospital’s helpdesk, where their details will be cross-checked in the PM-JAY database.
2. Treatment Coverage
The scheme covers a wide range of medical treatments, including surgeries, diagnostics, and post-hospitalization care. However, not all medical conditions are covered. For example, cosmetic surgeries and fertility treatments are excluded.
3. Hospital Admission
To use the card, the hospital must admit you as an inpatient. The scheme does not cover outpatient consultations or minor treatments.
4. No Additional Charges
Hospitals cannot charge beneficiaries any additional fees for services covered under the scheme. All costs are borne by the government.
5. Pre-Authorization for Expensive Procedures
For high-cost treatments, hospitals need prior approval from the scheme administrators. This ensures that the treatment falls under the coverage of Ayushman Bharat.
Common Misconceptions About the Ayushman Card
Despite the widespread popularity of the Ayushman Card, there are several misconceptions about its use:
1. Can It Be Used at All Hospitals?
No, it is only valid at empaneled hospitals. Not every private hospital in India participates in the scheme.
2. Is It Limited to the State of Issue?
No, the Ayushman Card is valid across the country. Beneficiaries can avail of treatment at any empaneled hospital, regardless of the state in which the card was issued.
3. Do All Medical Conditions Qualify?
No, only specific treatments listed under the scheme are covered. It is advisable to check the coverage details before seeking treatment.
Benefits of the Ayushman Card
The Ayushman Card offers several benefits, making it a game-changer for healthcare in India:
- Cashless Treatment: No upfront payments are required for covered treatments, reducing financial stress on families.
- Nationwide Coverage: Beneficiaries can use the card at empaneled hospitals across India, ensuring access to healthcare even when traveling.
- Quality Healthcare: The empanelment process ensures that only hospitals meeting specific quality standards are included in the scheme.
- Wide Range of Services: From critical surgeries to diagnostic tests, the card covers a variety of medical needs.
How to Get an Ayushman Card?
If you’re eligible for Ayushman Bharat, follow these steps to get your Ayushman Card:
- Check Eligibility: Use the official website or app to check if your family qualifies for the scheme.
- Visit the Enrollment Center: Head to the nearest Ayushman Bharat kiosk with your identification documents.
- Complete the Verification: Once your details are verified, you will receive your Ayushman Card.
