All about Ayushman Bharat Golden Card

What is Ayushman Bharat Yojana Scheme (PMJAY)?

Ayushman Bharat Yojana, known as one of the world’s largest healthcare programs, aims to cover more than 50 crore Indian people. It is intended particularly for the economically weaker parts of the nation. The PMJAY was released in September 2018, offering a cumulative insured amount of Rs.5 lakhs for health insurance coverage. Most of the medical care costs, prescriptions, diagnostics and pre-hospitalization expenses are covered by the government health insurance system. In addition, through the Ayushman Bharat Golden Card, the scheme provides cashless hospitalization facilities that you can use to get healthcare services at any of the empanelled hospitals across the country. By displaying their PMJAY Golden Card, beneficiaries of the scheme can access hospitalization for necessary treatment.

Benefits of Ayushman Bharat Golden Card

  • It covers all hospitalisation expenses with cashless transactions to beneficiaries.
  • Accommodation during hospitalisation.
  • Pre and post-hospitalisation costs.
  • Any complications arising during the treatment.
  • Can be used by all family members.
  • No cap on family size, age or gender.
  • Pre-existing conditions are included from day one.

Who Is Not Entitled To Avail The Ayushman Bharat Golden Card?

Below is the list of persons under the scheme who are not eligible to access healthcare services:

  • Those who have machinery for mechanized farming.
  • Owner of a two, three or four-wheeler.
  • All who carry a Kisan card.
  • Employees of the government.
  • Who owns a fishing boat that is motorized.
  • Those who receive in excess of Rs.10,000 a month.
  • Those who operate in non-agricultural, government-run companies.
  • Those who own more than 5 acres of land for farming.
  • Those who own landline phones or refrigerators.
  • Those who live in decently built houses.

PMJAY Scheme: Pandemic Coverage

The Insurance Regulatory and Development Authority (IRDAI) has provided an advisory to all health and general insurance providers to cover hospitalisation and care costs in order to allow beneficiaries to use pandemic coverage. Through the PMJAY programme, pandemic patients can receive free care in empanelled hospitals. Ensure that you are a beneficiary of the Ayushman Bharat Scheme, funded by the government.

Hospitalisation Process in Ayushman Bharat Scheme

You do not need to pay anything under the PMJAY scheme subject to admission to any of the empanelled public or private hospitals for any of your family members or you require hospitalization. The entire hospitalization and care process is cashless since there is a cost-sharing between the center and the state of 60:40, respectively. You will receive the Ayushman health card as a beneficiary, which will enable you to access cashless care and hospitalisation. You can take advantage of the advantages of the program at any of the public and private hospitals empanelled with the golden card.


Pradhan Mantri Jan Arogya Yojana (PMJAY) is a programme aimed at supporting economically disadvantaged Indians in need of health care facilities. It plans to make it entirely cashless for secondary and tertiary healthcare.  A number of variables affect health insurance premiums. You can use a health insurance premium calculator available on Finserv MARKETS. 

To learn more about the initiative and Ayushman Bharat registration process, visit Finserv MARKETS. With cashless facilities at network hospitals and a quick claim settlement process available with the plans, you can be assured of your financial health during a time of a medical crisis, with the health insurance plans on Finserv MARKETS.

Comments are closed