SUKANYA SAMRIDDHI ACCOUNT HOW TO APPLY

 

Sukanya Samriddhi Account along with how to apply and eligibility of it

Sukanya Samriddhi Account: Empowering the Girl Child's Financial Future

Introduction 

In a society where gender equality and empowerment are increasingly prioritized, it is crucial to ensure that girls have equal access to financial opportunities and a secure future. The Sukanya Samriddhi Account (SSA) is a government-backed savings scheme launched under the "Beti Bachao, Beti Padhao" campaign in India. This initiative aims to provide a dedicated financial instrument for the girl child, encouraging parents to invest in their daughter's education and long-term financial well-being. In this blog, we will explore the key features, benefits, and significance of the Sukanya Samriddhi Account in shaping a brighter future for the girl child.

1. Understanding the Sukanya Samriddhi Account 

The Sukanya Samriddhi Account is a savings scheme introduced by the Government of India under the Small Savings Schemes. It is specifically designed for the benefit of the girl child and offers an attractive interest rate and tax benefits. Parents or guardians can open an SSA for their daughter from her birth until she attains the age of 10 years.

The account can be opened at authorized banks and post offices across India. The minimum deposit required to open the account is Rs. 250, and subsequent contributions can be made in multiples of Rs. 100. The account matures after 21 years from the date of opening or when the girl child gets married after attaining the age of 18 years, whichever is earlier.

2. Key Features and Benefits of Sukanya Samriddhi Account (500 words):

a. High Interest Rate: The Sukanya Samriddhi Account offers an attractive interest rate, which is revised by the government annually. As of [current date], the interest rate stands at [mention current rate], making it a lucrative long-term investment option.

b. Tax Benefits: Contributions made to the SSA are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. The principal amount invested, along with the interest earned and the final maturity amount, are exempt from taxation. This makes the SSA a tax-efficient savings avenue for parents/guardians.

c. Long-term Savings: The SSA is designed to encourage long-term savings for the girl child's future expenses, such as higher education, marriage, or any other significant milestones in her life. The maturity period of 21 years ensures that the account grows steadily over time, providing a substantial corpus when needed.

d. Flexible Deposits: The scheme allows flexible deposits, wherein parents/guardians can contribute any amount between the minimum and maximum limits. This enables individuals to invest according to their financial capabilities while ensuring a consistent savings habit.

e. Account Transfer: In case of relocation, the SSA can be easily transferred from one authorized bank or post office to another. This feature ensures that the account remains accessible and hassle-free, regardless of geographical changes.

f. Partial Withdrawals: To meet specific financial requirements, partial withdrawals of up to 50% of the account balance are permitted once the girl child reaches the age of 18 years. This provision strikes a balance between long-term savings and addressing immediate needs.

g. Easy Account Operation: Operating the Sukanya Samriddhi Account is user-friendly and hassle-free. Parents or guardians can manage the account, make deposits, and monitor its progress through passbooks provided by the bank or post office.

3. Empowering the Girl Child's Financial Future (400 words):

The Sukanya Samriddhi Account plays a vital role in empowering the girl child's financial future. Here's how:

a. Education Funding: The SSA provides parents/guardians with a dedicated platform to accumulate funds for their daughter's education.

Education is a fundamental right, and the SSA ensures that financial constraints do not hinder a girl child's access to quality education. The accumulated savings can be utilized to cover tuition fees, educational materials, and other related expenses. By investing in their daughter's education, parents/guardians empower her to pursue her dreams and build a strong foundation for a successful career.

b. Financial Independence: The SSA instills a sense of financial discipline and responsibility in both parents/guardians and the girl child. As the account grows over time, it encourages the habit of savings and instills a sense of ownership in the girl child. This financial independence equips her with the necessary skills to manage her own finances effectively and make informed financial decisions in the future.

c. Mitigating Gender Bias: In many parts of India, gender bias still prevails, leading to unequal treatment and opportunities for girls. The SSA aims to bridge this gap by providing a dedicated financial instrument that promotes equality and empowers girls. It sends a powerful message that girls deserve the same opportunities as boys and deserve a secure financial future.

d. Marriage Expenses: The expenses associated with weddings can be a significant financial burden for parents. The SSA serves as a valuable resource to meet the expenses related to a girl's marriage. The maturity amount accumulated over the years can be utilized to cover wedding expenses, ensuring that parents/guardians are financially prepared for this important milestone.

e. Wealth Creation: The SSA offers a safe and secure investment avenue with an attractive interest rate. The power of compounding allows the savings to grow significantly over the long term. By starting early and consistently contributing to the account, parents/guardians can build a substantial corpus that can support various financial goals, such as higher education, entrepreneurship, or any other aspirations the girl child may have.

Conclusion 

The Sukanya Samriddhi Account is a transformative initiative that aims to empower the girl child and secure her financial future. By providing a dedicated savings avenue, attractive interest rates, and tax benefits, the SSA encourages parents/guardians to invest in their daughter's education, career, and overall well-being. It plays a vital role in mitigating gender bias, promoting financial independence, and enabling equal opportunities for girls in India.

The SSA not only fosters long-term savings but also instills a culture of financial discipline and responsibility. It equips girls with the necessary tools to take charge of their financial lives and make informed decisions. By investing in the girl child's future, we contribute to a more equitable society that values and supports the aspirations of every child, irrespective of gender. The Sukanya Samriddhi Account is indeed a powerful instrument in shaping a brighter and more inclusive future for our girls

Sukanya Samriddhi Account: Eligibility and Application Process

Introduction 

The Sukanya Samriddhi Account (SSA) is a government-backed savings scheme in India designed to secure the future of the girl child. It offers attractive interest rates, tax benefits, and a long-term savings avenue for parents or guardians. In this blog, we will discuss the eligibility criteria for opening an SSA and provide a step-by-step guide on how to apply for the account, ensuring that you can take advantage of this empowering scheme for your daughter's financial well-being.

Eligibility Criteria for Sukanya Samriddhi Account (300 words):

To open a Sukanya Samriddhi Account, the following eligibility criteria must be met:

1. Age Limit: The SSA can be opened for a girl child from her birth until she attains the age of 10 years. It is important to note that the account can be opened within one year of the girl child's birth without any penalty. However, if the account is opened after one year, a small penalty may be applicable.

2. Citizenship: The SSA is available only for Indian residents, ensuring that it serves as a dedicated financial instrument for girls residing in India.

3. Number of Accounts: Only one account is allowed per girl child. In case of twins or triplets, an exception is made, allowing for the opening of two or three accounts, provided they are all girls.

4. Documentation: To open an SSA, the parent or guardian must provide necessary documents such as the birth certificate of the girl child, proof of identity and residence of the parent/guardian, and any other supporting documents as specified by the bank or post office where the account is being opened.

How to Apply for Sukanya Samriddhi Account 

Opening a Sukanya Samriddhi Account involves a few simple steps. Here's a comprehensive guide on how to apply:

1. Select a Bank or Post Office: The first step is to choose a bank or post office authorized by the government to open a Sukanya Samriddhi Account. Banks such as State Bank of India (SBI), Punjab National Bank (PNB), and post offices across the country offer this facility.

2. Collect the Required Documents: Gather the necessary documents for opening the account. These typically include the girl child's birth certificate, proof of identity and residence of the parent/guardian, and any other documents specified by the chosen bank or post office.

3. Visit the Bank or Post Office: Visit the selected bank or post office where you wish to open the SSA. Approach the customer service desk or the designated officer responsible for Sukanya Samriddhi Accounts.

4. Complete the Account Opening Form: Obtain the account opening form and fill it out accurately. Provide all the required information, including the girl child's details, parent/guardian details, and nominee information.

5. Submit the Documents: Along with the filled-out account opening form, submit the necessary documents as specified by the bank or post office. Ensure that you provide photocopies of the documents, as well as the original copies for verification.

6. Make the Initial Deposit: Pay the minimum deposit amount required to open the account. As of [current date], the minimum deposit is Rs. 250. The initial deposit can be made in cash or through a demand draft as per the bank or post office's guidelines.

7. Receive the Passbook and Account Number: Upon successful submission of the application form and documents, the bank or post office will provide you with a passbook for the Sukanya Samriddhi Account. The passbook contains all the essential details, including the account number, the amount deposited, interest earned, and any transactions made.

 8. Regular Deposits: Once the account is opened, it is essential to make regular deposits into the Sukanya Samriddhi Account. You can deposit any amount in multiples of Rs. 100, but it is advisable to contribute regularly to maximize the benefits of the scheme.

9. Monitor the Account: Keep track of the account's progress by maintaining the passbook regularly. The passbook will be updated with each deposit, interest earned, and other relevant transactions. It is crucial to review and verify the entries to ensure accuracy.

10. Maintain the Account: To keep the account active and avoid any penalties, it is necessary to meet the minimum deposit requirements. As of [current date], a minimum deposit of Rs. 250 per year is mandatory. Failure to do so may attract a penalty, and the account may become dormant.

11. Utilize the Funds: As the girl child grows, the funds in the Sukanya Samriddhi Account can be utilized for her education, marriage, or any other significant expenses. When the girl child turns 18, partial withdrawals of up to 50% of the account balance are allowed for education purposes. However, it is essential to keep in mind that the primary purpose of the SSA is long-term savings and securing the girl child's future.

12. Account Maturity: The Sukanya Samriddhi Account matures after 21 years from the date of opening or when the girl child gets married after attaining the age of 18 years, whichever is earlier. Upon maturity, the account holder, i.e., the girl child, is entitled to receive the accumulated amount along with the accrued interest.

Conclusion 

The Sukanya Samriddhi Account is an excellent initiative by the Government of India to secure the financial future of the girl child. By understanding the eligibility criteria and following the step-by-step application process, parents or guardians can open an SSA and take advantage of its numerous benefits. From attractive interest rates and tax benefits to long-term savings and financial security, the Sukanya Samriddhi Account empowers families to invest in their daughter's future. It is crucial to make regular deposits, monitor the account, and utilize the funds wisely when the time comes. By leveraging the potential of the Sukanya Samriddhi Account, parents can ensure that their daughters have the necessary financial support to pursue education, achieve their goals, and lead empowered lives.

 

Vanda Bharat Train Excellence

 Vanda Bharat Train: Redefining Quality in Rail Travel

Introduction :

Rail travel has always been an integral part of India's transportation system, connecting cities, towns, and villages across the vast expanse of the country. Over the years, the Indian Railways has strived to enhance the travel experience for passengers by introducing modern amenities, advanced technologies, and comfortable coaches. Among the latest additions to this transformation is the Vanda Bharat Train, which has garnered significant attention for its exceptional quality and service. In this blog, we will delve into the various aspects that contribute to the superior quality of the Vanda Bharat Train and how it has redefined rail travel in India.

1. State-of-the-Art Infrastructure (300 words):

The Vanda Bharat Train boasts a state-of-the-art infrastructure that sets new standards in the realm of rail travel. The train is equipped with advanced systems, including high-speed Wi-Fi connectivity throughout its coaches, ensuring passengers can stay connected and productive during their journey. The coaches are designed to provide maximum comfort, with spacious seating arrangements and ergonomic designs.

Furthermore, the train features advanced safety mechanisms such as anti-derailment technology, automatic fire detection and suppression systems, and emergency braking systems. These safety measures ensure the well-being of passengers and provide peace of mind during their travels.

2. Luxurious Interiors and Amenities :

One of the standout features of the Vanda Bharat Train is its luxurious interiors and amenities, which elevate the travel experience to new heights. The train offers a range of classes to suit different preferences and budgets, including Executive Class, Business Class, and Economy Class. Regardless of the class chosen, passengers can expect plush seating, ample legroom, and elegant interiors.

The Executive Class cabins are equipped with private compartments, offering a secluded and exclusive space for passengers. Each compartment features comfortable seating, personal entertainment systems, and private washrooms. Business Class passengers enjoy similar amenities, albeit with a slightly different seating arrangement. Economy Class provides spacious seating and well-designed coaches, ensuring a comfortable journey for all passengers.

Additionally, the train offers a dedicated dining car, where passengers can savor delectable meals prepared by skilled chefs. The menu caters to diverse tastes and dietary requirements, with a wide selection of vegetarian and non-vegetarian options. The dining car provides a delightful ambiance, allowing passengers to enjoy their meals while enjoying panoramic views of the passing landscapes.

3. Impeccable Service and Hospitality:

The Vanda Bharat Train prides itself on providing impeccable service and hospitality to its passengers. The highly trained and courteous staff on board ensure that every passenger's needs are met with utmost care and attention. From the moment passengers step on board, they are greeted by a warm and friendly staff, who assist with luggage, provide information, and ensure a smooth boarding process.

The train offers dedicated attendants for each class, ensuring personalized service throughout the journey. Attendants are readily available to assist passengers with any requirements, whether it be providing extra pillows and blankets, attending to specific dietary needs, or arranging for special celebrations on board.

Passengers can also avail themselves of concierge services, which include assistance with hotel reservations, travel arrangements, and local sightseeing. These services enhance the overall travel experience and make the journey seamless and convenient for passengers.

4. Advanced Technology and Safety Measures :

The Vanda Bharat Train incorporates advanced technology and safety measures to provide passengers with a secure and comfortable journey. The train utilizes modern signaling systems and track monitoring technologies, ensuring optimal safety and minimizing the risk of accidents. Moreover, the coaches are equipped with surveillance cameras, emergency alarms, and smoke detectors, enhancing the overall safety quotient of the train.

The train also offers real-time information displays and announcement systems, keeping passengers informed about the journey progress, upcoming stations, and any relevant updates. This enables passengers to plan their travel and stay updated throughout the trip.

In terms of passenger comfort, the Vanda Bharat Train features temperature-controlled coaches, providing a pleasant ambiance regardless of the weather outside. The train also offers spacious and hygienic washrooms, equipped with modern amenities and maintained to the highest standards of cleanliness.

5. Efficient and Punctual Operations :

Efficiency and punctuality are crucial aspects of any quality rail service, and the Vanda Bharat Train excels in both areas. The train is known for its adherence to strict schedules, ensuring that passengers can rely on its punctuality. This is made possible by the implementation of advanced signaling systems, efficient maintenance practices, and a well-coordinated operational strategy.

The train also prioritizes efficient boarding and disembarking processes, minimizing waiting times for passengers. With well-organized platforms and dedicated staff to assist with luggage and ticketing procedures, passengers can seamlessly transition from the station to the train and vice versa.

6. Sustainable Practices (200 words):

In addition to providing a high-quality travel experience, the Vanda Bharat Train is committed to sustainable practices. The train incorporates eco-friendly technologies and initiatives to minimize its environmental impact. These include energy-efficient lighting systems, waste management practices, and the use of renewable energy sources whenever possible. By adopting sustainable practices, the Vanda Bharat Train contributes to a greener and more sustainable future for rail travel in India.

Conclusion 

The Vanda Bharat Train has set new benchmarks for quality in rail travel in India. With its state-of-the-art infrastructure, luxurious interiors, impeccable service, advanced technology, and efficient operations, the train provides passengers with a truly remarkable travel experience. From the moment passengers step on board until they reach their destination, they are treated to a seamless and enjoyable journey.

The Vanda Bharat Train serves as a testament to the Indian Railways' commitment to enhancing the travel experience and meeting the evolving expectations of passengers. It showcases the potential of modern rail travel in India and serves as an inspiration for future developments in the country's transportation system. With its exceptional quality and service, the Vanda Bharat Train has redefined rail travel, offering a delightful and memorable journey for all passengers fortunate enough to experience it.

Jan-Aushadhi Yojana Implementation

 Pradhan Mantri Jan-Aushadhi Yojana: Revolutionizing Affordable Healthcare in India

                    JAN-AUSHADHI YOJANA 

Introduction

Access to affordable healthcare is a fundamental right of every individual. However, in a country as vast as India, many people struggle to afford essential medicines. Recognizing this critical issue, the Government of India launched the Pradhan Mantri Jan-Aushadhi Yojana (PMJAY) with the aim of providing quality generic medicines at affordable prices to all citizens. This blog explores the key aspects, objectives, implementation, and impact of the Pradhan Mantri Jan-Aushadhi Yojana.

1. Understanding the Pradhan Mantri Jan-Aushadhi Yojana

The Pradhan Mantri Jan-Aushadhi Yojana, launched on 1st April 2008, is a flagship program of the Government of India under the Department of Pharmaceuticals, Ministry of Chemicals and Fertilizers. The scheme aims to provide generic medicines at significantly lower prices than their branded counterparts, making healthcare more accessible and affordable to the masses. The scheme also promotes the use of generic medicines as a cost-effective alternative to expensive branded drugs.

2. Objectives of the Pradhan Mantri Jan-Aushadhi Yojana

The PMJAY is built on the following key objectives:

a. Accessibility: The scheme aims to ensure the availability of quality generic medicines through a widespread network of dedicated Jan Aushadhi Kendras (JAKs). These JAKs act as outlets for the sale of generic medicines at affordable prices.

b. Affordability: The main objective is to provide generic medicines at prices significantly lower than their branded counterparts. This helps in reducing the financial burden on patients and making essential healthcare more affordable.

c. Quality Assurance: The scheme ensures that all medicines available under the PMJAY undergo rigorous quality testing before being made available to the public. This ensures that patients receive safe and effective medications.

d. Awareness and Information: The scheme also aims to create awareness among the public regarding the benefits of using generic medicines and the availability of Jan Aushadhi Kendras in their vicinity.

3. Implementation of the Pradhan Mantri Jan-Aushadhi Yojana

The implementation of PMJAY involves the establishment of Jan Aushadhi Kendras (JAKs) across the country. These JAKs act as retail outlets for generic medicines, operating on a no-profit-no-loss basis. Here's how the implementation process works:

a. Selection of Locations: The government identifies locations where JAKs can be set up, ensuring maximum coverage across urban and rural areas. These locations are often based on demand and need for affordable medicines.

b. Setting Up JAKs: Interested individuals, entrepreneurs, or organizations can apply to open a JAK by meeting the specified eligibility criteria and guidelines provided by the Bureau of Pharma PSUs of India (BPPI), the implementing agency. The government provides financial assistance for setting up JAKs, including the initial infrastructure and operational costs.

c. Procurement of Medicines: The BPPI procures generic medicines directly from manufacturers or through authorized agencies. The medicines are then supplied to the JAKs at wholesale prices, ensuring substantial cost savings.

d. Sale of Medicines: JAKs sell these generic medicines to the public at prices much lower than the market rates, making them affordable for all sections of society. The prices of Jan Aushadhi medicines are generally 50% to 90% lower than the corresponding branded medicines.

e. Quality Assurance: The BPPI ensures that all medicines sold through JAKs meet the quality standards set by the government. Stringent quality checks are carried out to ensure the safety and efficacy of the medicines.

4. Benefits and Impact of the Pradhan Mantri Jan-Aushadhi Yojana

The Pradhan Mantri Jan-Aushadhi Yojana has had a significant impact on healthcare accessibility and affordability in India. Here are some of the key benefits and impacts of the scheme:

a. Cost Savings: The availability of affordable generic medicines through JAKs has resulted in substantial cost savings for patients. The prices of Jan Aushadhi medicines are significantly lower than their branded counterparts, making them accessible to a larger section of the population, especially those from economically weaker backgrounds.

b. Increased Access to Medicines: The scheme has significantly increased access to essential medicines, particularly in rural areas and economically disadvantaged regions. The establishment of JAKs ensures the availability of medicines even in remote areas where access to healthcare facilities may be limited.

c. Reduction in Out-of-Pocket Expenses: The high cost of medicines often leads to a heavy financial burden on individuals and families. By providing generic medicines at affordable prices, the PMJAY has helped reduce out-of-pocket expenses for healthcare, improving financial security and well-being.

                     

d. Improved Healthcare Compliance: Accessible and affordable medicines play a crucial role in improving healthcare compliance. Patients are more likely to adhere to prescribed treatment regimens when they can afford the necessary medications. The PMJAY has contributed to better treatment outcomes and disease management by ensuring the availability of affordable medicines.

e. Promotion of Generic Medicines: The PMJAY has played a significant role in promoting the use of generic medicines in India. By creating awareness and making them readily available, the scheme has helped dispel misconceptions about the efficacy and quality of generic drugs. This shift towards generic medications has resulted in substantial savings for individuals, healthcare providers, and the healthcare system as a whole.

f. Employment Generation: The establishment of Jan Aushadhi Kendras has created employment opportunities, particularly for local entrepreneurs and individuals. The scheme has encouraged entrepreneurship in the pharmaceutical sector, contributing to economic growth and development.

g. Quality Assurance: One of the critical aspects of the PMJAY is ensuring the quality and safety of the medicines. The BPPI conducts regular quality checks and maintains strict quality control measures to ensure that the generic medicines available at JAKs meet the required standards. This instills confidence among patients regarding the quality and effectiveness of the medicines they purchase.

5. Challenges and Future Scope

While the Pradhan Mantri Jan-Aushadhi Yojana has made significant progress in improving access to affordable medicines, some challenges remain:

a. Awareness and Outreach: Creating awareness among the public about the scheme and the availability of Jan Aushadhi Kendras is crucial. Outreach programs, collaborations with healthcare providers, and extensive marketing efforts can help spread awareness and reach underserved areas.

b. Supply Chain Management: Ensuring a consistent supply of generic medicines to JAKs across the country is vital for the success of the scheme. Streamlining the supply chain and addressing any bottlenecks can help maintain an uninterrupted flow of medicines.

c. Infrastructure and Capacity Building: Strengthening the infrastructure of existing JAKs and expanding the network to underserved areas is essential. Additionally, providing training and support to JAK operators can improve the overall functioning and efficiency of the outlets.

d. Integration with Healthcare Systems: Integrating the PMJAY with existing healthcare systems and programs can enhance its impact. Collaborating with public health facilities, insurance schemes, and healthcare providers can ensure better coordination and maximize the benefits for patients.

e. Research and Development: Investing in research and development of generic medicines, as well as exploring opportunities for indigenously manufacturing essential drugs, can further reduce costs and enhance the availability of affordable medicines.

Conclusion

The Pradhan Mantri Jan-Aushadhi Y5. Challenges and Future Scope (continued)

f. Public-Private Partnerships: Encouraging public-private partnerships can further enhance the reach and impact of the Pradhan Mantri Jan-Aushadhi Yojana. Collaborating with pharmaceutical companies, healthcare organizations, and NGOs can strengthen the implementation of the scheme and help expand its coverage to more areas.

g. Digital Integration: Embracing digital technologies and integrating them into the scheme can improve efficiency and convenience. This could include online platforms for medicine ordering and delivery, electronic prescription systems, and telemedicine services to reach remote areas.

h. Focus on Specialized Medicines: While the PMJAY primarily focuses on generic medicines, there is a need to address the affordability of specialized medicines for chronic and critical illnesses. Exploring options to make these medicines more accessible and affordable can further improve healthcare outcomes.

i. Sustainable Financing: Ensuring sustainable financing for the scheme is crucial for its long-term success. The government, in collaboration with stakeholders, needs to devise strategies to secure funding and ensure the continuous supply of affordable medicines.

j. Expansion of Product Range: Increasing the range of medicines available under the scheme can cater to a wider spectrum of healthcare needs. Including commonly used over-the-counter medications, vaccines, and essential medical devices can enhance the impact of the PMJAY.

k. Monitoring and Evaluation: Establishing a robust monitoring and evaluation framework is essential to track the implementation and impact of the scheme. Regular assessment of the quality, availability, and affordability of medicines through JAKs can help identify areas of improvement and ensure the effectiveness of the PMJAY.

Conclusion

The Pradhan Mantri Jan-Aushadhi Yojana has transformed the landscape of healthcare accessibility and affordability in India. By providing generic medicines at significantly lower prices, the scheme has empowered individuals from all socio-economic backgrounds to access essential healthcare without financial strain. The establishment of Jan Aushadhi Kendras has created employment opportunities and improved the availability of medicines, especially in rural and remote areas.

While the scheme has achieved remarkable success, there are still challenges to be addressed. Sustained efforts in creating awareness, strengthening the supply chain, expanding the network, and integrating with existing healthcare systems will contribute to the future growth and impact of the PMJAY. Collaboration among stakeholders, embracing digital solutions, and addressing specialized medicine needs are key aspects to consider.

The Pradhan Mantri Jan-Aushadhi Yojana exemplifies the government's commitment to affordable healthcare for all. With continued support, innovation, and collaboration, the scheme has the potential to improve the overall health and well-being of the Indian population, making quality healthcare accessible and affordable for every citizen.

References:

1. Press Information Bureau, Government of India. (2021, April 7). Jan Aushadhi Scheme. Retrieved from https://pib.gov.in/PressReleaseIframePage.aspx?PRID=1709473

2. Ministry of Chemicals and Fertilizers, Government of India. (n.d.). Pradhan Mantri Bhartiya Janaushadhi Pariyojana. Retrieved from https://janaushadhi.gov.in/about-us

3. Bureau of Pharma PSUs of India. (n.d.). Pradhan Mantri Jan Aushadhi Kendra. Retrieved from https://janaushadhi.gov.in/apply-for-janaushadhi-kendra

4. Sridhar, R. (2020). Jan Aushadhi Scheme: An Affordable Healthcare for All. Journal of Pharmacology and Pharmacotherapeutics, 11(3), 121–123. doi: 10.4103/jpp.JPP_36_20

AYUSHMAN BHARAT YOJANA [HOW TO APPLY IT]

AYUSHMAN BHARAT YOJANA [HOW TO APPLY IT]

 PMJAY is also known as Ayushman Bharat Pradhan Mantri Jan Arogya Yojana Scheme, one of the biggest healthcare schemes that is sponsored by the Government of Inidia. Prime Minister, Narendra Modi rolled out Pradhan Mantri Jan Arogya Yojana healthcare scheme with an aim to cover more than 50 crore Indian citizens and nearly 10 Crore underprivileged families without any limitations pertaining to family size and age. Ayushman Bharat Yojana (PMJAY) will help these households avail the bet healthcare services with insurance coverage up to INR 5 lakh for each family per year for tertiary and secondary hospitalization expenses.

PM Ayushman Bharat Yojana scheme is paperless and offers cashless hospitalization cover at public hospitals and network private hospitals. Ayushman Bharat health insurance covers the cost of hospitalization, pre-hospitalization, medication, and post hospitalization expenses incurred during the treatment, which is applicable to almost all tertiary and secondary care procedures.

Moreover, Ayushman Bharat Yojana scheme includes nearly 1,400 exorbitant treatments like skull surgery, knee replacements, and the likewise. And the patients can also follow-up for the treatments to ensure full recovery. Read all about (PMJAY) Ayushman Bharat Yojana scheme features, eligibility criteria & application process imentioned below.

Features of PMJAY: Ayushman Bharat Yojana Scheme

In addition to be a life saver scheme for lower middle income the other key features of Pradhan Mantri Ayushman Bharat Yojana (PMJAY) are as follows:

• Ayushman Bharat Yojana scheme is a family floater scheme with a sum assured of Rs. 5 lakh per family enrolled
• This scheme is specially designed for people below the poverty line who do have access to internet or online health plans
• PMJAY scheme facilitates cashless healthcare services to its beneficiary in any of the public sector hospitals and private network hospital
• Moreover, Pradhan Mantri Ayushman Bharat Yojana also recompenses the transportation cost incurred by the beneficiary during the pre and post-hospitalization period
• Along with medical treatment expenses, Ayushman Bharat Yojana insurance package also covers the day-care expenses incurred by the beneficiary
• PMJAY scheme also covers some of the specific pre-existing diseases
• The payment for medical expenses is to be made based on the package rate as pre-determined by the government
• Under the government backed scheme, a considerate number of health and wellness centres will be established asper the Socio-Economic Caste Census data
• 
  
  
  

Benefits of Ayushman Bharat Yojana Scheme

Ayushman Bharat Yojana scheme insures almost 40% of the vulnerable and needy families in India. The healthcare services and benefits that they can avail are listed below:

• The treatment and healthcare facilities under PMJAY is available across India and is free of cost
• The Ayushman Bharat Scheme offers 25 specialty categories and it covers a wide range of 1,354 medical and surgical packages such as neurosurgery, cardiology, etc.
• Ayushman Bharat Yojana scheme also covers post-hospitalization expenses
• In case of multiple surgeries, the cost shall be covered with the highest package. And for second and third surgery it should be covered 50% an 25% respectively
• The scheme also covers the treatment cost of oncology with chemotherapy for 50 different types of Cancer. However, both medical and surgical package cannot be availed at the same time.
• The beneficiaries under PMJAY scheme can also avail follow-up treatment coverage

What is Covered under Ayushman Bharat Yojana Scheme?

PMJAY covers the following expenses during the treatment:

• Ayushman Bharat Yojana Scheme provides coverage for medical examination, treatment and consultation fee
• Pre-hospitalization expenses are covered under Ayushman Bharat Yojana policy
• Post-hospitalization expenses are covered for 15 days
• The policy also covers the cost of medicine and medical consumables
• Hospital accommodation charges are also covered
• Non-intensive and ICU services
• The expenses incurred on the Diagnostic procedures are also covered
• Medical implantation services are covered where required
• Expenses incurred on complications arising during the medical treatment
• Food services

Who is not entitled to avail coverage under the Ayushman Bharat Yojana?

The following categories of entities are not covered under the Ayushman Bharat Yojana:

• People who own a  vehicle like a two-wheeler, three-wheeler, or a car
• Government employees
• People whose monthly income is more than Rs 10,000
• Those who have farming machinery and equipments
• Those who live in properly build houses
• Those who hold a Kisan card
• Those owing a motorized fishing boat
• Those owing an agriculture land of more than 5 acres
• People employed in government-run non-agricultural enterprises
• People who have refrigerators and landline phones in their houses

Ayushman Bharat Eligibility Criteria for Rural and Urban People

To avail the benefits of Ayushman Bharat Yojana health insurance scheme, it is essential for all the people to check for their names in the Socio-Economic Caste Census-2011 data. This will ensure if their family is eligible to be covered under Ayushman Yojna or not. And only those households whose name is listed in SECC database and active RSBY card holders are entitled to avail PMJAY benefits.

Pradhan Mantri Jan Arogya Yojana allows the eligible members to avail the healthcare services across India.

PMJAY Scheme: Eligibility Criteria for Rural

• Household with no adult/male/ earning member within the age group of 16-59 years
• Families living in one room with Kuccha Kuccha walls and roof
• Families with no members within the age group of 16-59 years
• Household without a healthy adult member and one disabled member
• Manual scavenger families
• Landless households earning a major part of their family income from manual labour

PMJAY Scheme: Eligibility Criteria for Urban

• Domestic worker
• Beggar
• Ragpicker
• Home-based Artisans/ Tailor Sweeper/ Handicrafts worker/ Sanitation worker/ Mali
• Construction worker/ Labour/ Painter/ Welder/ Security guard/ Coolie
• Washer-man/ Plumber/ Mason
• Electrician/ Mechanic/ Assembler/ Repair worker
• Transport worker/ Rickshaw puller/ Conductor/ Cart puller/
• Waiter/Shop worker/ Assistant/ Peon/Delivery assistant
• Street vendors/ hawker / Cobbler

How to Register for PMJAY Scheme Online?

It is quite simple to register for PMJAY scheme. It is applicable to all beneficiaries who are identified under the SECC 2011 list and those who are as part of the RSBY scheme. However, if you want to register for PMJAY online, you can follow the steps given below:

• Visit the official government website for PMJAY scheme
• You will find Am I Eligible tab, simply click on it
• Submit your mobile number, CAPTCHA code, and click on Generate OTP button
• Now enter your State and your name, ration card number, household number, or mobile number
• If your family is covered under Ayushman Bharat Yojana, then you name will be displayed in the results

Documents Required to Apply For Ayushman Bharat Yojana Scheme

• Age & Identity Proof (Aadhaar Card/PAN Card)
• Contact details (mobile, address, email)
• Caste certificate
• Income certificate (maximum annual income to be only up to Rs. 5 lakh a year)
• Document proof the current status of the family to be covered (Joint or nuclear)

How to Check your Name in Ayushman Bharat Yojana Scheme List?

There are various methods to check your name in the PM Jan Arogya Yojana -PMJAY beneficiary list. Listed below are some of the ways that you can try:

• Online Method- Ayushman Bharat online list can be checked by the beneficiaries. All you need to do is visit the official online site of the National Health Authority for Ayushman Bharat Yojana.
• Common Service Centres (CSC)- If you are a beneficiary of Ayushman Yojna you can also visit the nearest Common Service Centres. If it is not possible to do so you can also visit any of the empanelled hospitals to collect the information form. You can check the Ayushman Bharat hospital list on their site or in your policy documents.
• Contact their Helpline No.- You can call on any of the government of India provided helpline numbers (e.g. 1800111565) to contact their customer care and seek the information about PMJAY Scheme, Ayushman card/e-card, Ayushman card apply, Ayushman card download and even Ayushman Bharat Scheme registration.

If your name is there in the list, then only you will get the Ayushman Bharat Card.

List of Critical Diseases covered under PM Jan Arogya Yojana (PMJAY)

PMJAY offers nearly 1,350 medical packages at any of the private network hospitals and all the public hospitals. Below are some of the critical illnesses that Ayushman Yojna covers:

• Carotid angioplasty with stent
• Prostate cancer
• Coronary artery bypass grafting
• Skull base surgery
• Pulmonary valve surgery
• Double valve replacement surgery
• Anterior spine fixation
• Tissue expander for disfigurement following burns

How to Download your Ayushman Bharat Yojana Card Online?

It is important to apply for the Ayushman card as it consists of a dedicated family identification number. AB-NHPM is provided to every beneficiary household. Below are the steps that you can follow to apply or download your Ayushman card online-

• Firstly, visit Ayushman Bharat Yojana official website
• Now login with your email id and generate password
• Enter your Aadhaar number to proceed further
• Click on the approved beneficiary option
• It will be redirected to their help centre
• Now enter your password in CSC and the pin number
• It will be redirected to the home page
• You will see the download option form where you can download your Ayushman Bharat golden card

Ayushman Bharat Scheme Hospitalization Process

Ayushman Bharat Yojana scheme offers health insurance cover to beneficiaries without any premium cost, treatment cost during and after the hospitalization. Ayushman Bharat scheme covers both pre and post hospitalization expense in-addition to the in-patient charges.

And all the empanelled hospitals under PMJAY Scheme would have appointed Ayushman Mitra’s who will aid the patent by coordinating with the hospital’s beneficiary in order to cut the expenses. You will find these Ayushman Mitra at their help desk where they will be verifying the eligibility criteria, documents, and the enrolment process. They provide letters to all the beneficiaries with respective QR codes.

Furthermore, this QR code is scanned and verified for authentication to check the eligibility for people to avail Ayushman Bharat Yojana benefits.

And the best part about Ayushman Bharat scheme is that it offers coverage across PAN India and offers cashless hospitalization benefits to the enrolled families in both the public and private hospitals.

PMJAY Patient Card Generation

You can apply for an e-card once you find out your eligibility for Ayushman Bharat yojana scheme. But before you get this e-card, you will have to go through an identity verification at one of the PMJAY kiosk based on your documents like Aadhaar card or ration card. Even your family identification can be furnished including the RSBY cars, or a govt. certified list of members.  After this verification is done, you patient e-card is printed along with your Ayushman Bharat ID, which can be used for future references.

COVID-19 Treatment Covered under Ayushman Bharat Yojana Scheme (PM-JAY)

As per the IRDAI’s regulation all the health insurance providers are covering COVID-19 hospitalization expenses. Even the Government backed Ayushman Bharat scheme also offers coverage against the Global pandemic COVID-19. The beneficiary can avail medical test facilities at any of the panel hospitals without any money being charged as per the NHA’s announcement. Ayushman Bharat scheme also covers the isolation and quarantine expenses.

All the empanelled hospitals under this policy are well-equipped to carry out Coronavirus testing, treatment, and quarantine facilities. It is great initiative to offer protection to the poor and needy families against the impact of the deadly COVID-19.

As this policy is for people below the poverty line, those in the higher income groups who can pay premium on their own should also get adequate health cover. Considering the ongoing medical inflation, a health cover of minimum Rs. 10 lakhs is recommended that can go up to of Rs. 1 Crore & more as per your requirement. This is required to avail the best possible treatment for emergency medical treatment including life threatening diseases like cancer, organ transplant, heart surgeries, etc.

PMJAY Toll-free Number and Address:

PM Ayushman Bharat scheme enables the applicants to call on their helpline number for any grievances 14555 & 1800111565.