The Ayushman Bharat Golden Card is an initiative by the Government of India designed for economically vulnerable families. It enables individuals to access affordable and accessible healthcare. The card facilitates cashless treatment at all enlisted hospitals for financially disadvantaged individuals. Understanding how to apply for Ayushman Bharat Golden Card is essential for the financially weaker sections of society.
Ayushman Bharat Golden Card Application Process
Application for the Ayushman Bharat Golden Card can be completed online, making it accessible to a wide range of applicants. Below is the step-by-step process for applying for this card:
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Visit the Official PM-JAY Website
: Log on to the Pradhan Mantri Jan Arogya Yojana (PM-JAY) official site.
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Pick Your State:
On the website, select the state from the dropdown menu. This is necessary because the application process can differ slightly between states.
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Application Form
: After choosing the state on the page, follow the instructions for the application form provided. Fill out all the information accurately to avoid delay.
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Upload Required Documents:
You may need various documents, including :
- Proof of Identity: Aadhaar Card/PAN card
- Address Proof
- Income Certificate, if applicable
- Recent Passport-size Photograph
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Final Application Submission
: After filling in all the information and uploading all the necessary documents, apply. An acknowledgement receipt is issued, which can be printed and downloaded.
Post Application Submission
State authorities will verify the submitted application, which may take some time to process. However, once completed, the Ayushman Bharat Golden Card will be ready within a few weeks.
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Card Activation:
After receiving the card, make sure to activate it before seeking any medical treatment using the card. Instructions for the activation process will be provided to the client.
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Check Eligibility and Coverage
: Check your eligibility to take advantage of this scheme. The card ensures coverage of benefits up to ₹5 lakhs per family per year for hospitalisation at secondary and tertiary levels.
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Renewal Process
: The validity period for an Ayushman Bharat Golden Card is one year. To continue availing of benefits, it is essential to renew the card before it expires. The procedure for renewing is the same as the one for first applying. Ensure you have all current documents ready for smooth processing.
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Application Status Follow-up:
To check the status of your application, you can visit the PM-JAY website or contact the relevant state authorities.
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Mediclaim Policy
: After receiving the card, link it with a mediclaim policy to extend your health coverage. The golden card provides essential coverage, but connecting it with a comprehensive mediclaim policy ensures broader healthcare services, including those not covered under PM-JAY.
While applying for the Ayushman Card, applicants may encounter challenges during the document verification process or face rejection of their application. If your application is rejected, review the reasons provided, address any discrepancies, and make the necessary corrections before reapplying.
Conclusion
A significant step toward providing healthcare for everyone, especially for the weaker sections of society, the Ayushman Bharat Golden Card remains crucial. Eligible beneficiaries can follow the detailed application steps to obtain this essential health insurance, which helps alleviate the economic burden of medical emergencies. It promotes health equity and allows families to seek appropriate medical care without the fear of associated costs.
Disclaimer: The information provided in this blog is for educational purposes only. Please consult a medical or nutrition professional before making any significant changes in your daily diet. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any impact or consequences resulting from the use of the information shared.