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Ayushman Bharat Scheme: Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) of the Government of India is a boon for the poor, which aims to provide better and free health facilities to the economically weaker sections. Under this scheme, eligible families get health insurance of up to Rs 5 lakh per year for the treatment of serious diseases, due to which the government bears the burden of hospitalization expenses. However, it is important to note that treatment of all diseases is not covered under the scheme. Therefore, before availing the benefit, it is important to know which diseases are covered and for which diseases we will have to pay ourselves.

Is OPD treatment free or not?

The benefit of Ayushman card is available only on hospitalization. If your illness is normal and its treatment is limited to OPD consultation or doctor’s advice, then you will have to bear the expenses yourself. In simple words, this card cannot be used only for general check-up or to meet a doctor without getting admitted to the hospital.

Do I have to pay for a normal test?

Whereas if you get the test done without getting admitted, you will have to pay for it yourself. But if you get yourself examined after consulting a doctor and get admitted to the hospital, you can get expense cover under the scheme.

Money will be covered on taking vitamins and tonics

If you go to any hospital or clinic and take a pill or tonic to increase your strength, then you will have to pay your money for that also. But if the doctor prescribes strength or vitamin pills due to some illness or injury, then you can get expense cover.

Will dental treatment be free?

• There is no cover for general dental treatment under Ayushman Bharat scheme.
• You will have to pay the expenses for this yourself.
• However, if a serious condition such as an accident, injury, tumor or cyst occurs, dental or jaw surgery is required.
• Only then can the benefit of free treatment be availed under this scheme.

IVF-Assisted Reproductive Technology

The cost of IVF (In-Vitro Fertilization) or any other type of assisted reproductive technology for infertile couples is not covered under the Ayushman Bharat scheme. This simply means that you will have to pay for these special treatments to become a parent yourself.

cosmetic treatment

Aesthetic and alternative treatments are not covered under the Ayushman Bharat scheme. This does not include any type of vaccination, cosmetic surgery, tattoo removal procedure, fat surgery to reduce obesity (bariatric surgery), neck lift or surgery to improve the shape of the nose. Apart from this, life support based only on medical machines and circumcision of children below 2 years of age are also not covered under the scheme.

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Who will not get the benefit of Ayushman Card?

• Considering the economic condition of the poor and needy families of the country, the Government of India has started the Ayushman Scheme.
• Under this scheme, some special category of people will not get the benefit.
• Like people who work in the organized sector, who pay taxes to the Government of India every year, people who avail the benefits of ESIC, whose PPF is deducted from their salary every month and those who are in government jobs.
• Such people will not get the benefit of Ayushman Yojana, they will have to get treatment from their own pocket money only.