By Admin 
- Ayushman Bharat scheme provides free treatment up to Rs 5 lakh.
- This plan covers critical illnesses, surgeries and heart, cancer, kidney treatment.
- Services like OPD, cosmetic surgery, IVF, vitamins are not included in the plan.
- The benefit will be available only in government empaneled hospitals and to eligible people.
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana: People’s savings of years are spent on medicines and treatment. In such a situation, the government has started Ayushman Bharat Pradhan Mantri Jan Arogya Yojana to provide relief to the poor and needy people from expensive treatment.
Under this, eligible families get free treatment up to Rs 5 lakh annually. This provides great financial relief to the needy people, but this free treatment up to Rs 5 lakh is not applicable to every disease and every treatment. Also, its benefit cannot be availed in every hospital. Some fixed rules and limitations have been kept under the scheme. Let us know about it in detail.
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When can you take advantage of this card?
If we talk about the benefits of this card, its benefits are mainly available only on hospitalization. The cost of treatment of common fever, cough, headache or minor illness is not included in this. That means you have to bear the expenses like doctor’s fees, OPD visit, general checkup, blood test or X-ray yourself.
Covered diseases
Treatment of many serious diseases and major surgeries is covered under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana. Let us know which diseases are treated in it.
- Heart diseases – Treatment of problems like heart attack, angioplasty, bypass surgery and high BP is covered.
- Cancer treatment – This includes chemotherapy, radiation and treatment of breast, lung, stomach and mouth cancer.
- Neurological diseases – Treatment of diseases like stroke, brain tumor, Parkinson’s and epilepsy are covered.
- Kidney and liver diseases – Includes treatment of dialysis, chronic kidney disease, cirrhosis and hepatitis BC.
- Bone and joint problems – Treatment of problems like fractures, hip and knee surgery, arthritis is covered.
- Treatment of women and children – Includes normal delivery, C-section, NICU care and treatment of serious illnesses of children.
Which treatments are not covered
Some treatments are not covered in this plan.
- OPD consultation
- Cosmetic and Plastic Surgery
- IVF and test tube baby
- General Dental Treatment
- Vitamins and Supplements
- drug or self-harm treatment
The benefit of this scheme is available only in those hospitals which are included in the government panel. Therefore, before admission, please find out whether the hospital accepts Ayushman Card or not.
Which people cannot take advantage?
People doing government jobs, paying income tax, deducting PF or availing ESIC facility generally cannot avail its benefits. It has been made only for economically weak people.
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Important things to keep in mind before starting treatment
- First take information from the Ayushman desk in the hospital.
- Be sure to find out which facility is free,
- There may be separate charges for private room or extra test.