While Ayushman Bharat ensures affordable and accessible healthcare, PMAY provides financial assistance to enable housing for all. Together, these initiatives aim to improve the overall quality of life for millions of Indians.
The Ayushman Bharat Scheme is a health insurance initiative that provides a financial cover of ?5 lakh per family per year. Beneficiaries are identified through the Socio-Economic Caste Census (SECC) database, focusing on families in rural areas with specific deprivation criteria and urban households based on their occupational categories.
The centerpiece of this scheme is the Ayushman Card, which acts as a health identification card allowing beneficiaries to avail of cashless healthcare services across empaneled hospitals.
To get the Ayushman Card, eligible individuals must check their eligibility on the official PMJAY portal by entering their details. Upon confirmation, they can register at Common Service Centers (CSCs) or empanelled hospitals. The registration process involves submitting documents like Aadhaar, a ration card, and income certificates, followed by biometric verification.
Once registered, the card can be downloaded through the PMJAY portal, the Ayushman Bharat mobile app, DigiLocker, or by visiting a CSC. This card eliminates out-of-pocket expenses for beneficiaries and covers a wide range of medical services, from surgeries to maternity care.
The Pradhan Mantri Awas Yojana (PMAY) complements this effort by focusing on affordable housing for the urban and rural poor. The scheme has two components: PMAY-Gramin for rural housing and PMAY-Urban for housing in cities. Under PMAY-Gramin, families living in kutcha or dilapidated houses are eligible for financial assistance to construct a pucca house equipped with basic amenities.
PMAY-Urban provides a subsidy on home loans, enabling economically weaker sections, low-income groups, and middle-income groups to purchase or construct homes.
Registration for PMAY involves identifying beneficiaries through SECC data. Interested applicants can visit the official PMAY portal or local government offices to apply. The scheme’s objective is to achieve “Housing for All” by constructing millions of affordable homes across India, thus ensuring that every family has access to safe and secure housing.
Both Ayushman Bharat and PMAY highlight the government’s commitment to improving healthcare access and housing security for underprivileged families. These programs not only provide financial relief but also empower individuals to lead healthier and more dignified lives. By bridging the gaps in healthcare and housing, these initiatives are reshaping India’s socio-economic landscape.
Eligible citizens are encouraged to take advantage of these schemes to unlock a future of better health and improved living conditions. For more information, visit the official websites of Ayushman Bharat PMJAY and PMAY.
To apply for the Ayushman Card under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) and the PM Awas Yojana (PMAY), applicants must provide specific documents for verification. Here’s a list of the essential documents needed for both schemes:
Having the right documents ready ensures a smooth application process for both Ayushman Bharat and PM Awas Yojana, enabling beneficiaries to access these life-changing schemes without hassle.
(This article is part of DMCL Consumer Connect Initiative, a paid publication programme. DMCL claims no editorial involvement and assumes no responsibility, liability or claims for any errors or omissions in the content of the article. The DMCL Editorial team is not responsible for this content.)
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Ayushman Card and PM Awas Yojana: Transforming lives of millions in India
