Dukan chalate hue ek badi bimari ya operation ka kharcha pura saal ki kamai hila sakta hai. Isiliye ayushman card eligibility samajhna har dukandar aur uske ghar ke bade-buzurgon ke liye zaroori hai. Sarkar ki Ayushman Bharat PM-JAY yojana mein hospital mein bharti hone par ₹5 lakh tak ka cashless ilaaj milta hai, aur ab 70 saal ya usse upar ke har nagrik ko bina income dekhe ye cover milta hai.
Is post mein hum saaf bhasha mein dekhenge ki kaun eligible hai, card kaise banta hai, kaun se documents lagte hain aur dukandar ko isse kya fayda hai.
Ayushman Bharat PM-JAY kya hai?
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) sarkar ki health assurance yojana hai. Ye hospital mein bharti (secondary aur tertiary care) ke kharche par cashless cover deti hai. Cover aam taur par ₹5 lakh per family per year hota hai, aur ise empanelled sarkari tatha nijee hospitals mein use kiya ja sakta hai.
Dhyan rahe: ye yojana sirf hospital mein bharti ke liye hai, OPD ya sirf dawai ke kharche ke liye nahi.
Ayushman card eligibility: kaun kaun eligible hai?
Eligibility do tarah se banti hai:
1. Garib aur vulnerable parivar (SECC aur sarkari list ke aadhar par)
Ye yojana mool roop se un parivaron ke liye bani thi jo sarkari deprivation list mein aate hain. Aapka parivar list mein hai ya nahi, ye beneficiary portal par naam, Aadhaar ya ration card se search karke dekha ja sakta hai. Rajya ke hisab se niyam thode alag ho sakte hain, isliye apne rajya ki official site ya helpline 14555 se confirm zaroor karein.
2. 70 saal ya usse upar ke sabhi nagrik (Ayushman Vay Vandana)
29 October 2024 se sarkar ne yojana ko badhakar 70 saal ya usse upar ke har nagrik ke liye khol di, chahe unki aarthik sthiti kuch bhi ho. PIB ke anusaar iska matlab hai ki income ya amiri-garibi ka koi test nahi, sirf umar Aadhaar se verify hoti hai.
- Jo parivar pehle se PM-JAY mein hai, unke 70+ sadasyon ko apne liye alag se ₹5 lakh tak ka top-up cover milta hai.
- Jo parivar PM-JAY mein nahi hai, unke 70+ sadasyon ko ₹5 lakh tak ka cover milta hai, jo parivar ke 70+ sadasyon mein baanta jata hai.
- 70+ nagrikon ko alag Vay Vandana card diya jata hai.
Kinhe sochkar chunna padta hai?
PIB ke anusaar jo senior citizen CGHS, ECHS ya Ayushman CAPF jaisi sarkari yojana ka fayda le rahe hain, unhe apni maujooda yojana ya AB PM-JAY mein se ek chunna hota hai. Wahin jinke paas private health insurance hai ya jo ESI ke member hain, ve bhi PM-JAY ka fayda le sakte hain.
Quick table: kaun kya paata hai
| Situation | Kya milta hai |
|---|---|
| Parivar sarkari list mein hai, umar 70 se kam | Parivar ke liye ₹5 lakh tak/saal |
| Parivar list mein hai, ghar mein 70+ sadasya | Parivar cover + 70+ ke liye alag top-up (₹5 lakh tak/saal) |
| Parivar list mein nahi, sadasya 70+ | ₹5 lakh tak/saal, 70+ sadasyon mein shared |
| Parivar list mein nahi, umar 70 se kam | PM-JAY nahi; private health insurance dekhein |
Ye sirf samajhne ke liye saar hai. Final shartein hamesha beneficiary.nha.gov.in aur rajya ki official site par check karein.
Ayushman card kaise banayein: step by step
Card free mein banta hai. Kisi agent ko paisa dene ki zaroorat nahi.
Zaroori documents
- Aadhaar card (eKYC aur umar ke liye)
- Aadhaar se linked mobile number (OTP ke liye)
- Ration card ya family ID (naam search mein madad karta hai)
Online process
- Mobile par Ayushman App download karein ya beneficiary.nha.gov.in kholein.
- Beneficiary ke roop mein apna mobile number, captcha aur OTP se login karein.
- Scheme mein PM-JAY chunein, rajya aur zila select karein.
- Naam, Aadhaar ya ration card se apna record search karein.
- Naam mile to eKYC karein (Aadhaar OTP ya face authentication) aur zaroori jaankari bharkar submit karein.
- Approval ke baad card ka PDF download karein. Uski print ya mobile mein copy hospital mein dikha sakte hain.
Face authentication ke waqt chashma ya topi hata dein aur asli chehre se hi verify hota hai, photo se nahi.
Offline process
Agar mobile par dikkat ho to apne najdiki empanelled hospital ke Ayushman Mitra desk ya Common Service Centre (CSC) par Aadhaar lekar jaayein. PIB ke anusaar 70+ nagrikon ka enrolment application-based hai aur app, web portal, hospital ya CSC, kisi se bhi ho sakta hai.
Video: poora process dekhein
(Ye video 2026 ka hai. Screen thodi badal sakti hai, isliye final step hamesha official portal par check karein.)
Dukandar ke liye kaalpanik udaharan
(Ye kaalpanik udaharan hai, sirf samajhane ke liye.)
Ramesh ji kanpur mein kirana dukan chalate hain. Unke pitaji ki umar 72 saal hai aur achanak cataract ke saath dil ki dikkat nikli. Hospital ne kharcha kai lakh batayi. Ramesh ji ne pehle socha ki dukan ka stock girvi rakhna padega.
Phir unke bete ne Ayushman App par pitaji ka Aadhaar daalkar Vay Vandana card banwa liya, bas 20-30 minute lage. Card dikhane par empanelled hospital mein cashless bharti ho gayi. Ramesh ji ko dukan ya savings nahi chhedni padi.
Seekh: card pehle se bana ho to emergency mein bhaag-daud nahi karni padti. Hospital par cashless suvidha card aur Aadhaar dikhane se shuru hoti hai.
Ayushman card kya cover karta hai aur kya nahi?
- Hospital mein bharti ka kharcha: kamre ka kiraya, ICU, doctor aur surgeon ki fees, dawaiyan, jaanch.
- Kai surgeries aur treatments, jaise cardiology, orthopaedics, general surgery (PIB ke anusaar 27 specialties aur 1,961 procedures).
- Bharti se pehle aur baad ke kuch din ke kharche, package ke niyam ke anusaar.
Ye nahi milta: sirf OPD consultation, aur woh ilaaj jo package list mein nahi hai. Hospital empanelled hona zaroori hai, isliye bharti se pehle hospital se poochh lein.
Dukandar ko private health insurance bhi kyun dekhna chahiye?
Agar aapka parivar PM-JAY list mein nahi aata aur aap 70 se kam umar ke hain, to private health insurance ek achha vikalp hai. Dukan ke liye bhi alag bima sochein, jaise best shopkeeper insurance policy. Chhote premium wali sarkari suraksha yojanayein bhi dekhein: PMSBY accident bima aur PMJJBY jeevan bima.
Aam galtiyan jo log karte hain
- Fake agent ko paisa dena: card banana free hai.
- Aadhaar aur mobile link na hona: OTP nahi aayega. Pehle Aadhaar mein mobile update karwayein.
- Hospital empanelled hai ya nahi, na poochna: bharti se pehle Ayushman Mitra se confirm karein.
- Card banane ke baad bhool jana: PDF ko mobile mein save aur print rakhein.
Aksar pooche jaane wale sawal (FAQ)
Kya Ayushman card banane ka koi charge hai?
Nahi. Official taur par card banana free hai. Koi paisa maange to helpline 14555 par shikayat karein.
Kya 70 saal se upar wale ko income proof dena padta hai?
Nahi. PIB ke anusaar 70+ ke liye eligibility sirf umar par aadharit hai, jise Aadhaar se verify kiya jata hai.
Kya private health insurance ke saath bhi Ayushman card mil sakta hai?
Haan. PIB ke anusaar private health insurance wale ya ESI members bhi AB PM-JAY ka fayda le sakte hain, agar ve eligible hon.
Mera naam list mein nahi mil raha, kya karein?
Aadhaar, ration card aur family ID, teeno se search karke dekhein. Phir bhi na mile to najdiki CSC, Ayushman Mitra ya helpline 14555 se sampark karein.
Card kahan chalta hai?
Poore desh ke empanelled hospitals mein. Bharti se pehle hospital se confirm kar lein.
Conclusion
Ayushman card eligibility seedhi hai: sarkari list mein parivar ho ya aapki umar 70 saal ya usse upar ho. Card free mein Aadhaar eKYC se banta hai aur bhaari bimari mein ₹5 lakh tak ka cashless sahara deta hai. Aaj hi apna ya apne maata-pita ka naam beneficiary.nha.gov.in par check karein. Final rules aur cover amounts hamesha official site se verify karein.
