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.

Full PF money will come to your account, know the 3 easiest ways to avoid deducting TDS on withdrawal.

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.

Budget friendly market of Delhi! Get trendy summer outfits at low prices, know top 4 places

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.

The central government is running many schemes to provide better and cheaper treatment to the common people in the country. One of these is Ayushman Bharat Yojana which is also known as PM Jan Arogya Yojana. Under this scheme, economically weaker families are provided free treatment up to Rs 5 lakh every year. Lakhs of people across the country are taking advantage of this scheme. However, people often have a question as to how many times in a year treatment can be done through Ayushman card and is there any limit for this. So today let us tell you how many times you can get treatment through Ayushman card in a year and what are the rules for it.

How many times can treatment be done in a year?

There is no limit on the number of treatments under Ayushman Bharat Scheme, that is, if needed, the beneficiary can get the treatment done multiple times in a year. However, the condition remains that the total expenditure of the entire family should not exceed Rs 5 lakh. Even if there are four members in a family, this limit of Rs 5 lakh is for the entire family. Apart from this, when you go to the hospital for treatment, tell that you want to get treatment under the Ayushman card. After identity verification, the hospital admits you and the treatment process starts. In such a situation, the entire expense is covered under the scheme.

Keep these things in mind before treatment

To get treatment through Ayushman card, it is necessary for your Ayushman card to be active. The hospital where you are getting treatment should be registered under Ayushman Yojana. Apart from this, the disease to be treated should be included in the package of the scheme. Also, for more information you can take help of Ayushman Mitra or official website. Apart from this, the government has recently tightened the rules related to Ayushman card. In fact, now without Aadhaar based e-KYC, neither a new card will be made nor treatment will be guaranteed. This step has been taken to prevent fraud and to provide the facility to the right beneficiaries.

In which hospitals is treatment available?

With Ayushman card, treatment can be done in government and many private hospitals. For this go to the official website of PMJAY. Then click on Find Hospital option. After this select the state, district and hospital category. Then you will get the complete list of registered hospitals. You can get treatment under Ayushman card in the hospitals whose names are included in this list.

Also read-Delhi government gives Rs 20,000 help in times of distress, know when and who can avail the benefit?