Ayushman Bharat Pradhan Mantri Jan Arogya Yojana 2024-25 – Full Information

Ayushman Bharat PM-JAY 2024-25: Poori Jaankaari 

Abhi Apply Karein!

Bhumika: Sabke Liye Sehat ka Suraksha Kawach

Garib aur kamzor parivaron ke liye badi khushkhabri! Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) duniya ki sabse badi health insurance scheme hai, jo 23 September 2018 ko PM Narendra Modi ji ne launch ki thi. Is yojana ka maksad hai ki desh ke garib parivaron ko bina paison ki chinta ke quality healthcare mile. Har eligible parivar ko har saal ₹5 lakh tak ka cashless health cover milta hai, aur 2024-25 mein isme naye features jaise senior citizens ke liye extra cover bhi add hue hain.

Ayushman Bharat PM-JAY – Sampoorna Guide 2024-25
Scheme ka Naam	Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)
Department	Ministry of Health and Family Welfare, Government of India
Shuru Kab Hua	23 September 2018
Latest Update	Senior citizens (70+) cover, teleconsultation, 1500+ new hospitals (2024)
Official Website	https://pmjay.gov.in
Helpline	Phone: 14555 / 1800-111-565, Email: nha@gov.in
Scheme ka Uddeshya: Healthcare for all – garib parivaron ko ₹5 lakh tak ka cashless health cover dena. Financial emergency se bachaav, pre aur post hospitalisation kharchon ka cover, purani bimariyon ka ilaaj, senior citizens (70+) ke liye suraksha, aur healthcare system ko majboot karna.
Scheme ki Visheshtayein: Annual Benefit: ₹5 lakh per family per year. Cashless Treatment: Hospital mein koi paisa nahi dena padta. Pre/Post Hospitalisation: 3 din pehle aur 15 din baad ka kharcha cover. Funding Source: 60% Center, 40% State Government. Eligibility: SECC 2011 parivar, 70+ senior citizens, RSBY holders. Coverage: 1500+ procedures – cancer, heart surgery, transplants. Hospitals: 27,000+ empanelled hospitals (govt + private).
Scheme ke Labh: Arthik Sahayata: ₹5 lakh tak ka cover har saal. Cashless Treatment: Seedha hospital mein ilaaj, zero out-of-pocket. Purani Bimariyan: Sabhi pre-existing diseases day 1 se covered. Senior Citizens: 70+ ke liye income se bina fark ₹5 lakh cover. Major Procedures: Heart surgery, cancer, dialysis, accidents shamil. Economy Boost: Healthcare access se rural/urban economy ko fayda. Transparency: Online system se corruption ka scope kam.
Patrata Maapdand: SECC 2011: Kuccha ghar, manual labourer, SC/ST, landless, disabled parivar. Senior Citizens: 70+ saal ke sabhi log, income no bar. RSBY Holders: 28 Feb 2018 tak active RSBY card wale. Family Size: Koi limit nahi, sabhi sadasya covered. Exclusion: Sarkari naukri wale, income tax payers, professionals nahi eligible.
Zaroori Dastavej: Aadhaar Card: Optional, lekin DBT ke liye helpful. Ration Card: Family proof ke liye. Bank Passbook: IFSC code ke sath, Aadhaar-linked. Mobile Number: Aadhaar se registered ho toh best. Passport Size Photo: Latest, white background. Scanning Tips: Documents ko CamScanner app se scan karein, file size 2MB se kam rakhein, aur PDF/JPEG format mein upload karein. Clear scan se rejection ka risk kam hota hai. Warning: Fake documents dene par legal action ho sakta hai, isliye sab kuch verify karein!
Kaise Apply Karein: Official website: https://pmjay.gov.in. “Am I Eligible?” section mein mobile ya Aadhaar number daalo. OTP verify karo aur eligibility check karo. Form bharo: Naam, address, bank details, family details. Upload documents: Aadhaar, ration card, bank passbook, photo. Details review karke submit karein aur Ayushman card download karo. Offline: Najdeeki empanelled hospital ya CSC center mein “Ayushman Mitra” se help lo. Time Required: Broadband par 30-45 minute mein form bhar sakte hain. Status Check: Portal par login karke “Beneficiary Status” se dekhein. Pro Tip: Agar online nahi kar pa rahe, toh CSC center par jaakar ₹30-50 mein apply kar sakte hain.
Coverage Vivran: Amount: ₹5 lakh/year per family. Procedures: 1500+ treatments jaise cancer, heart surgery, transplants. Pre-Hospitalisation: 3 din ke tests aur medicines. Post-Hospitalisation: 15 din ke follow-up aur medicines. Transport Allowance: Hospitalisation ke liye travel kharcha. Payment Process: Cashless treatment, direct hospital ko DBT se payment.
Aksar Puche Jane Wale Sawal: Q1. Kya Aadhaar Card zaroori hai? Nahi, mandatory nahi hai, lekin DBT ke liye bank-Aadhaar link karna achha hai. Q2. Agar family mein ek member card use karle, toh baaki ka cover khatam? Nahi, ₹5 lakh poore parivar ke liye combined hai, ek baar mein khatam nahi hota. Q3. Private hospitals mein treatment milega? Haan, 27,000+ empanelled hospitals (govt + private) mein cashless treatment milta hai. Q4. Card khone par kya karein? Toll-free 14555 par call karein ya website se duplicate card download karein. Q5. Bina card ke treatment ho sakta hai? Haan, Aadhaar aur mobile verification se hospital mein help mil jayegi.
Safalta ki Kahaniyan: “UP ke Ram Prasad ji ne kaha – ‘Mere heart operation ka pura kharcha Ayushman card se cover hua, warna karz lena padta.’” “Bihar ki Sunita Devi ne bataya – ‘Cancer ka ilaaj free mein hua, ab hum tension-free hain.’” “Yeh scheme humare liye vardaan hai, ab hum apne parivar ki sehat ki chinta bina paise ke kar sakte hain.”
Disclaimer: Yeh jankari official notifications aur pmjay.gov.in se li gayi hai. Kisi bhi tarah ke changes ya updates ke liye pmjay.gov.in regular check karein. Scheme bilkul free hai, isliye koi bhi “application fee” mangta hai toh usse bachkar rahein.