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What is Ayushman Bharat Health Insurance, And How Does It Work?

Published On May 13, 2022

The Ayushman Bharat Yojana is a National Health Protection Scheme introduced by the Government of India in 2018. This program is also known as the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) Scheme. This strategy not only meets the requirements of impoverished homes but also of rural households, making it financially advantageous to both poor and destitute families in urban and rural locations. Citizens may benefit from the best healthcare services under this program, which includes an insurance cover of up to Rs. 5 lakh per household per year for secondary and tertiary hospitalization charges. It is a paperless insurance system that offers cashless hospitalization at network commercial and public institutions.

What is Ayushman Bharat Health Insurance, And How Does It Work?

Ayushman Bharat Health Insurance Features

The following are some of the most notable aspects of an Ayushman Bharat health insurance plan:

  • This is a family floater scheme with a maximum of Rs. 5 lakhs per household.
  • This strategy was put in place to assist persons living below the poverty level.
  • This plan provides cashless claim benefits at public and network private hospitals.
  • It covers the pre- and post-hospitalization time, as well as transportation expenditures.
  • Specific pre-existing conditions are covered, as are the policyholders' childcare fees.

Ayushman Bharat Health Insurance Plans' Advantages

Let us have a look at some of the typical perks provided to Ayushman Bharat customers under the Ayushman Bharat health insurance:

  • Policyholders under this plan are entitled to free medical treatment throughout the subcontinent.
  • This plan provides policyholders with a wide variety of surgical coverage.
  • This plan also covers the policyholders' post-hospitalization expenditures.
  • In the event of several procedures, the cost of the most expensive package is covered under this plan.
  • Ayushman Bharat's health insurance policies cover chemotherapy for around 50 different forms of cancer. In the event of a medical emergency, both medical and surgical packages can be claimed at the same time.
  • Beneficiaries of Ayushman Bharat health insurance programs can also receive follow-up therapy.

Ayushman Bharat Health Insurance Plans Inclusions

Let us look at some of the medical expenditures covered by Ayushman Bharat health insurance plans:

  • This plan reimburses before and post-hospitalization expenses.
  • The cost of medications and medical supplies is covered.
  • Room and board, as well as ambulance fees, are covered.
  • The strategy includes both ICU and non-intensive care.
  • Food services are offered to policyholders.
  • Services for medical implantation are offered.
  • Expenses for diagnostic services are covered by this plan.
  • Individuals having a monthly income of more than Rs. 10,000, government officials, people with automobiles, people living in suitable residences, people who own agricultural property, and so on are not eligible for Ayushman Bharat health insurance coverage.
  • Going over the policy terms and conditions will help you understand the exclusions and eligibility under this plan.


The Ayushman Bharat health insurance scheme seeks to ensure that those living in poverty have access to high-quality medical care. It ensures that people obtain basic medical care without regard for financial limits. This system allows you to collect cashless claim benefits at public hospitals and affiliated private hospitals. It also allows for the paperless purchase and renewal of health insurance plans, making it simple for policyholders to complete the procedures without having to visit government offices.

Do read - Everything You Should Know About the Omicron COVID-19 Variant


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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