Pradhan Mantri Jan Arogya Yojana (PMJAY) Free Health Insurance

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a health related flagship programme initiated by Prime Minister Modi to ensure that the lower section of the society, the poor and vulnerable population get proper health cover. You can directly apply for this Ayushman Bharat Yojana scheme online. But before going to the registration lets see the primary benefits under this scheme.

Benefits you can available under PM-JAY:

• Pradhan Mantri Jan Arogya Yojana (PM-JAY) provides an insurance cover up to Rs 5 lakh per family, other than that it also covers for secondary and tertiary hospitalization
• All pre-existing conditions are covered from day 1, of activation of your plan. So identify your empaneled hospitals according to Pradhan Mantri Jan Arogya Yojana in respective States/UTs, and visit them to get treatments upto 5 Lakh
• If found eligible the 5 Lakhs is availed as a floater coverage for all the members mentioned in your Ration Card

How to apply online for Ayushman Bharat Yojana?

Here is a step by step guide how you can apply for Ayushman Bharat Yojana. 

Step 1: Visit Ayushman Bharat Pradhan Mantri Jan Arogya Yojana official website, mera.pmjay.gov.in.

Step 2: Now you have to log on to the government website.

Step 3: On the home page enter your mobile number.

Step 4: Just below that you will see the captcha, enter the captcha in the empty box.

Step 5: After that click on Generate OTP option.

Step 6: An OTP number will be sent to your mobile, by which you can go to the website and verify.Complete the necessary detail to get the most benefits out of this scheme.

Note: After your name is registered on the Pradhan Mantri Jan Arogya Yojana(PM-JAY) website, with the help of your ration card or mobile number, you can know that you are not getting the benefit of this scheme. 

So, these were some initial steps you need to follow for Ayushman Bharat Yojana (PM-JAY) registration.After PM Ayushman Bharat Yojana registration you do not need to enrol anywhere to claim benefits under PMJAY Ayushman Bharat Yojana. You just need to get yourself identified at the nearest empanelled hospital or Community Service Centre (CSC).

How to increase your coverage above 5 Lakh ? 

Today's medical expenses are way beyond the reach for 90% of our population. There are reported cases of families who became bankrupt over treatment bills. You can prevent this from happening, by getting a decent health insurance coverage with any private insurers out there. 

If you are eligible for 5 Lakh PMJAY Insurance, use it for your parents coverage or your primary needs. Because unlike PMJAY, with private insurers you will gain a no-claim-bonus, that adds to your coverage each claim free year.

For a free personalized consultation, reach out to the author :
Abhijith Vijay
(Insurance Consultant, Kerala)
Mob. 9846233161