Health is the biggest capital of humans. But when a disease comes, the most burden falls on money. Everyone does not have a hefty amount for treatment. To reduce this problem, the government has started the Ayushman Bharat scheme. Under this scheme, lakhs of people across the country can get free treatment up to Rs 5 lakh annually.

Ayushman card is issued for this. The cardholder gets the right to get treatment by admitted to any panel hospital. But the question comes in the mind of many people that after all, these 5 lakh rupees can be spent at a time or the facility to get treatment is given many times. Let us tell you the rules about what is there.

How many times can you get treatment?

Under the Ayushman Bharat Scheme, treatment of Rs 5 lakh is not only for once. This limit has been fixed for the whole year. That is, if the card holder wants, then you can spend 5 lakhs in a big operation or serious illness at a time. On the other hand, if small treatment is required, then the card can also be used many times.

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However, every time expenses will be seen and the total amount cannot be more than 5 lakh rupees. This card acts like a armor to protect the health of your family. No matter how many times the disease comes. The cardholder can take advantage of free treatment until the limit is over. This is its biggest feature.

What will happen then what will happen?

Many times there is a question in the minds of people about the Ayushman Bharat scheme that if the annual limit of Rs 5 lakh given in Ayushman card is completed. So who will bear the treatment expenses after that. Let me tell you that in such a situation, the patient or his family will have to bear their own expenses. That is, there will be no additional help from the government. The limit of the card is reset again every year at the beginning of the new year.

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And the family again gets coverage of up to Rs 5 lakh. Therefore, if there is a serious disease in which there is a possibility of spending more. So the cardholder should keep the limit of the scheme in mind. Take treatment under it only when needed. So that if a serious problem arises, it is not difficult.

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Health is the most important part of every human’s life. People spend a lot of money in diseases. That’s why people already carry health insurance. So that there is not much burden on the pocket. But many people do not have the money for health insurance. The government runs Ayushman Yojana for these poor needy people. Those who can relieve people from the concern of treatment.

The question arises in the minds of many people about the Ayushman Bharat Yojana whether every disease can be treated free of cost. Actually, people have many perceptions and misunderstandings about this scheme. Many times people have to face difficulty many times due to this. Let us tell you what is the rule regarding the scheme.

Will every disease be treated with Ayushman card?

Under the Ayushman Bharat Scheme, the eligible families of the country are given annual health insurance up to Rs 5 lakh. The biggest question in the minds of people about Ayushman Bharat card is whether it will be treated for free. Can cardholders treat all serious diseases and large operations for free.

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So let us tell you that this card does not cover the treatment of every small or major disease. Some special diseases and procedures have been included in the list. While some are excluded. In such a situation, it is important that people first know about its guidelines and diseases involved whether their treatment is under the scheme or not.

These diseases are treated

Under the Ayushman Bharat Scheme, treatment of many serious diseases can be made free free. This includes heart disease, cancer, neurological diseases, problems related to kidney and urinary, liver and stomach diseases, respiratory problems, bone and joint problems.

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Apart from this, gynecology and maternity services, children’s diseases, infectious diseases, hormones and metabolic diseases and mental health problems have also been covered in it. In this way, this scheme gives great relief to the patients and makes it easier by protecting the treatment of serious diseases from financial burden.

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Ayushman Bharat Scheme: GiveThe purpose of Ayushman Bharat, Pradhan Mantri Jan Arogya Yojana, the biggest health scheme of Sh, is that every needy person should get free treatment. But the figures that have come out recently are questioning the reliability and future of the plan. Every year a large number of hospitals used to join this scheme, but now the interest of private hospitals seems to be decreasing in it.

Connection of new hospitals decreased in 2024–25

In 2024–25, only 2,113 hospitals are associated with the Ayushman Bharat scheme, while in 2023–24 the number was 4,271 and 3,124 in 2022–23. That is, this time there has been a clear decline in the number of hospitals joining the scheme. This information has been given by Health Minister Prataprao Jadhav.

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How many hospitals are there in the scheme?

According to the information, a total of 31,466 hospitals across the country have been included under this scheme, out of which 14,194 are private hospitals. This means that the scope of the scheme has increased, but new participation is decreasing.

How many treatment is included in this scheme?

Health benefits package for treatment under this scheme has been updated five times. The new package brought in 2022 HBP 2022, 1,961 types of medical procedures, which are spread over 27 different specialty.

Why are private hospitals back back?

Experts and organizations of private hospitals say that their biggest problems are.

• Delay in claim payment – According to the rule, patients inside the states should be paid in 15 days and patients from other states should be paid in 30 days. But in reality this time limit breaks many times, especially in big hospitals and expensive treatment cases.
• Package Rate – Many private hospitals say that the money received in lieu of treatment is less than the cost. This causes them financial loss.

Challenge for manufacturers

• Keep the plan cheaper
• Private hospitals also get balanced economic benefits
• This plan may last long and the dream of universal health coverage may come true.

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Disclaimer: Some information given in the news is based on media reports. Before implementing any suggestion, you must consult the concerned expert.

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In the BJP -ruled state of Haryana, a crisis has arisen in front of millions of middle class and poor families. In Haryana, there is a crisis on the free health services provided to the card holders under the Ayushman Bharat Scheme. The Indian Medical Association (IMA) has announced that if the government did not make dues of private hospitals till August 7, then after this date, the treatment of Ayushman card holders will be closed in private hospitals.

What is the reason

Let us know that the Ayushman Bharat scheme in Haryana has proved to be a boon for millions of poor and needy people. Under this scheme, card holders get free treatment up to Rs 5 lakh in private and government hospitals. But now this plan is clouded by crisis. The Haryana unit of the Indian Medical Association (IMA) has warned that if the government has not completed the payment of dues of Rs 500 crore to private hospitals by August 7, they will stop serving under this scheme. IMA Haryana Secretary Dr. Kuldeep Mangla says that some payments were issued after our meeting with the government in January but nothing has come since March. 500 crore rupees are still pending how the hospital can continue work without payment.

Patients may increase in trouble

Around 650 private hospitals in Haryana are included in the panels under this scheme, providing health services to more than 5 lakh Ayushman card holders of the state. But due to the problem of outstanding payment, the hospitals are now pulling back from this scheme. Millions of poor patients may face trouble with this decision. Especially those patients who have to treat serious diseases like cancer, heart disease, and kidney problems in private hospitals.

IMA demand

IMA has also demanded that the government should increase the annual budget of Ayushman scheme from 800 crores to Rs 2000 crore, so that such problems can be avoided in future. At the same time, Haryana Health Minister Aarti Rao has intervened in this matter and assured that the government will soon pay the arrears.

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Health is a very important aspect of all people’s lives. All people are worried about their health. Because people spend a lot of money in diseases, so people like to be ready for such difficulties in advance. Many people carry health insurance for this so that they do not have to spend money suddenly in treatment.

But not all people have enough money to take health insurance. The Prime Minister of the Government of India Ayushman Bharat Yojana gives benefits to such people. Under which people get free treatment up to Rs 5 lakh through Ayushman card. But some rules have been set for this. Ayushman card is not made of these people. Know that even your name is not included in them.

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Which people do not make Ayushman card?

Not everyone can avail Ayushman Bharat scheme. This scheme is specially made for poor and weaker sections. People who pay income tax. Those who have pucca houses or two-wheelers, four-wheelers, tractors. He has been excluded from this scheme. Government jobs or who have large farming land.

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Those people also cannot make Ayushman card. Those who are taking advantage of a government pension. They also do not get Ayushman card. Let us tell you that the objective of this scheme of the government is to give the benefit of free treatment only. People who cannot afford their treatment.

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You can check your name like this

You can check your eligibility for making Ayushman card from home. For this, first you have to go to the scheme website PMJAY.GOV.IN. Going there, you have to click on the option of ‘Am I Eligible’. After that you have to enter some general information. After entering the correct information, the list will appear in front of you. If you have your name, then your Ayushman card will be made, if not, then your Ayushman card will not be made tax. Keep in mind that nothing is wrong to enter anything wrong.

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