What is the Limit of the Ayushman Card?

Ayushman Card Limit, Eligibility & Benefits Explained

The Ayushman Card is issued under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), which the government launched in 2018. This scheme allows economically disadvantaged families to seek affordable healthcare services.

AB-PMJAY is one of the largest health insurance schemes, allowing for cashless treatment at empanelled hospitals nationwide. However, it is necessary to learn about the card's limit and who is eligible to apply for it.

Read ahead to learn more about the Ayushman Card's maximum limit, eligibility criteria, and registration process.

What is the maximum coverage limit of the Ayushman card?

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is a national health insurance scheme that aims at providing a coverage limit of up to ₹5 lakh per family per year of coverage. But it is crucial to learn about the eligibility criteria before you apply for this scheme.

However, even if you’re not eligible, Star Health offers a wide range of health insurance plans specially tailored for your needs. We provide hassle-free claim settlements and have over 14,000 hospitals across India.

What is the eligibility for the Ayushman Card?

Ayushman Card is targeted towards those people and families who are financially weak. Eligibility criteria include:

1. Rural Beneficiaries:

• Families living in one-room houses with mud walls and roofs.
• Households without adult male members aged between 16 and 59
• Families of scheduled castes or scheduled tribes (SC/ST) and disabled members.
• Households that are landless and depend on manual work.
   

2. Urban Beneficiaries:

• Informal employment sectors include domestic help, daily wage earners, and street vendors.
• Families led by widows or single women, orphaned children, and disabled people.
   

Eligibility is mostly based on the Socio-Economic Caste Census (SECC) data. Recent improvements have extended coverage to migrant workers, rural artisans, and senior citizens with larger medical bills.

What is the registration procedure for the Ayushman card?

By creating an Ayushman Bharat Health Account (ABHA) ID, one can avail oneself of the benefits of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana and access digital health records. Follow these steps to apply:

• Step 1:Visit the official platform, or download the ABHA mobile app (Android/iOS).
• Step 2:Select ‘Create ABHA ID’ and click ‘Generate ABHA ID’ or ‘Apply for ABHA Card’ to start the process.
• Step 3:Enter personal information, such as your name, date of birth, sex, phone number, and address.
• Step 4:You can link your Aadhaar number for quicker verification. This step is optional but recommended.
• Step 5. Verify your identity by completing the OTP verification sent to your mobile or email.
• Step 6.Create login credentials with a username and password to secure access to your health records.
• Step 7: Fill out the form to get your unique ABHA ID for digital health services.
• Step 8.Save or download your digital ABHA card, which can be used at hospitals covered under PMJAY. In certain areas, a physical card may be available.
   

Keep it safe and handy. An ABHA ID will enable you to access amenities across the entire network.

What are the benefits of the Ayushman Card?

The Ayushman Card offers various benefits, such as:

• Health Insurance Limit: It covers up to ₹5 lakh in a year for a family for surgeries, chronic illnesses, and critical care treatments. It covers pre- and post-hospitalisation expenses and diagnostic tests and medicines during hospitalisation.
• Cashless Treatment: This functionality provides free treatment in empanelled hospitals nationwide without needing advance payment. It is extremely advantageous to families that do not have the means to pay for medical services up front.
• Comprehensive Coverage: It covers various medical procedures, including heart surgeries and cancer treatments. The scheme provides free medical treatment through secondary and tertiary care.
• Portability: The card is useful in all states and union territories of India, giving uninterrupted access to healthcare, even while travelling. That can especially benefit migrant workers who might require medical care outside their home state.
• No Age Restriction: This scheme is valid for everyone, from younger kids to seniors, so families can partake. Medical care will be provided to each household member without being denied due to age.
   

Access to affordable healthcare remains critical for financially unstable families who sacrifice quality treatment and nutrition. With a coverage of up to ₹5 lakh in a year, the Ayushman Card is a key milestone towards providing universal healthcare in India. It enables millions of at-risk families to have financial protection against medical emergencies.

Also Read:

→ Awaz Health Insurance Scheme

→ Who is Eligible for the Chiranjeevi Yojana

→ How to Apply for Aarogyasri in Telangana

→ Who is Eligible for Karunya Insurance

→ What is the Maximum limit of Aarogyasri