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All You Need To Know About Ayushman Card Benefits

Published On Nov 26, 2021 10:00 AM By InsuranceDekho

It is essential to have a health insurance policy in today's time, as with the rise in inflation the basic costs of medical treatments have also increased. Therefore, to help and support the people from different groups in the society, the Government of India has rolled out the National Health Protection Scheme or the Ayushman Bharat Yojana under which people below the poverty line can get quality medical facilities without exhausting their financial savings in case of an emergency.

The beneficiaries of this scheme are entitled to receive a card using which they can avail the benefits of the plans under the scheme at the public or network private hospitals of the Government. People must pass the eligibility requirements of this plan to get the card and its respective benefits. The entire documentation procedure of the Ayushman Bharat Yojana is online and can be done with ease without any in office hassles. 

All You Need To Know About Ayushman Card Benefits

The policyholders of the Ayushman Bharat Yojana get a card using which they can avail the benefits of the plan and claim their policies in case of a medical emergency. It also lets them make cashless claims without any hassles. Let us look at some of the common benefits of the Ayushman Bharat Yojana card that can be availed by the policyholders when availing the plans at the time of an emergency: 

Must Read: Benefits of Health Companion Policy offered by Niva Bupa Health Insurance

  • Claim Amount of Rs. 5 Lakhs Per Family Is Provided 

This Government launched healthcare scheme is available for around 50 Crore beneficiaries with a sum assured of around Rs. 5 Lakhs per family. This amount can suffice the basic healthcare treatment expenses of the people living below poverty and support them in their difficult times. 

  • Families Listed In The SECC Database Are Covered 

All the families that are listed under the Socio-economic caste census(SECC) database are to be covered under this scheme. Around 10 Crore families from rural and urban areas are listed under this census and this healthcare policy will be made available to all of them. 

  • Girl Child, Women, And Senior Citizens Prioritized 

No restrictions are there on the size of the family or the number of members insured under the plan, but girl child, women, and senior citizens of the family have been regarded more under this plan than the others. People of any age group can be insured under this Ayushman Bharat Yojana plan. 

  • Includes Secondary And Tertiary Care 

Secondary healthcare treatments that are provided by the cardiologists, etc. are offered to the policyholders along with the advanced treatments that are required for cancer, diabetes, etc. 

  • Pre-Existing Diseases Covered

People suffering from a pre-existing medical disorder can receive treatment under the Ayushman Bharat Yojana at any of the public hospitals or private hospitals. 

  • Cashless Procedures 

Beneficiaries of Ayushman Bharat Yojana can seek treatment anywhere in India and to reduce the out-of-pocket expenses of the policyholders, cashless payment of the healthcare premiums have been facilitated. All the registration and administration procedures can be carried out online. 

  • Reduction In Out-of-Pocket Expenses 

A lot of people have to overcome the high costs of medical expenses from their pockets within the country, which results in the exhaustion of their financial savings. To help reduce these out-of-pocket expenditures, this government launched scheme compensates for the medical expenses of the people at an affordable premium price. 

  • Improved Quality of Life

This plan is a step towards improving the quality of life of the weaker sections of the society within the country. It looks after their medical costs without considering their monetary constraints and is therefore an advancement in the healthcare sector. 

Conclusion 

There are several other benefits of the Ayushman Bharat Yojana that can be availed by the cardholders of the plan. The beneficiaries must go through the policy terms to understand the inclusion and exclusion of the plan and avoid any confusion at the time of the claim settlement procedure. 

Also Read:  Main Benefits of Ayushman Bharat Yojana


Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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