Ayushman Bharat Assam: How to Apply in 2025 (Full Guide)

Ayushman Bharat in Assam, also known as PMJAY, offers cashless healthcare of up to Rs. 5 lakhs per family. This guide explains how to apply for Ayushman Bharat in Assam, check your eligibility, and access benefits under PMJAY and Atal Amrit Abhiyan, the state’s healthcare schemes.

Understanding Ayushman Bharat in Assam

Overview of the Scheme

Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana aims to provide cashless treatment up to Rs. 5 lakhs to identified families in Assam as per the Socio-Economic Caste Census 2011. This family floater scheme covers 1,578 procedures across 25 medical specialties. The scheme has already benefited 2,22,215 individuals who have received cashless treatment in Assam.

Currently, 335 hospitals are empanelled under the scheme in Assam, with Rs. 198.55 crores paid as hospital claims thus far. The program also provides travel allowances (TA/DA) to beneficiaries, with Rs. 2.31 crores already disbursed from state funds to PMJAY beneficiaries.

ALSO READ: Ayushman Bharat Health Infrastructure Mission in Assam

Comparison with Atal Amrit Abhiyan

While focusing on Ayushman Bharat, it's worth noting that Assam also implements the Atal Amrit Abhiyan scheme, which provides cashless treatment up to Rs. 2 lakhs for BPL families and APL families with annual income below Rs. 5 lakhs. This scheme covers specific conditions including cancer, cardiovascular diseases, kidney diseases, neurological conditions, and several other critical care areas.

Eligibility Criteria for Ayushman Bharat in Assam

Who Can Apply

The Ayushman Bharat scheme in Assam targets approximately 27 lakh families identified through the Socio-Economic Caste Census (SECC) of 2011. Eligibility is primarily determined based on deprivation and occupational criteria as specified in the SECC data.

The scheme is designed specifically for economically weaker sections of society, unlike regular health insurance plans that are available to all sections. The government has already identified eligible families, and individuals need to check if their family is included in this list.

Benefits of the Scheme

Beneficiaries receive comprehensive coverage for secondary and tertiary care treatments with the following key benefits:

1. Financial protection of up to Rs. 5 lakhs per family per year for hospitalization expenses
2. Coverage across a nationwide network of empanelled public and private hospitals
3. A seamless and paperless process for accessing healthcare benefits
4. Travel allowance of Rs. 1,000 per day (for a maximum of 10 days) for treatment outside Assam

ALSO READ: Expansion of Ayushman Bharat Coverage to 40 Crore More People

Documents Required for Application

Before initiating the application process, ensure you have the following documents ready:

1. Aadhaar card (primary identification document)
2. Mobile phone number (for OTP verification)
3. Family details as per SECC-2011 records
4. Passport-sized photographs of family members (if applying offline)
5. Income proof documents (if required for verification)

Having these documents prepared beforehand will streamline the application process regardless of which method you choose to apply.

Application Methods

Online Application Process

The online application process is the most convenient way to apply for the Ayushman Bharat scheme in Assam. Here's how to proceed:

Step 1: Visit the Official Portal

Navigate to the official Ayushman Bharat beneficiary portal at beneficiary.nha.gov.in.

Step 2: Login Process

1. Select the "Beneficiary" option on the portal
2. Enter your mobile number
3. Choose "Auth Mode" and select "OTP"
4. Enter the captcha code and click on "Login"

Step 3: Search for Beneficiary Details

1. After logging in, select the appropriate scheme, state (Assam), sub-scheme, and district
2. Choose "Search by" option - preferably Aadhaar
3. Enter your Aadhaar number and click on the "Search" button

Step 4: Complete eKYC Process

1. A list of all family members will appear if your family is eligible
2. Check the card status of the family member you wish to enroll
3. Click on the "eKYC" icon for that member
4. Complete Aadhaar authentication by entering the OTP received on your registered mobile number
5. Verify the matching score and personal information displayed
6. Enter or update mobile number and other required details
7. Click on "Submit" to complete the process

Step 5: Card Issuance

After successful eKYC, you will receive a "eKYC Completed" message. The application will then be processed, and after approval, you can download your Ayushman card from the portal.

Using the Ayushman App

The National Health Authority has also developed an official Ayushman app that simplifies the application process:

Step 1: Download the App

Download the official Ayushman app from the Google Play Store. The app has over 1 crore downloads and is rated 3.8 stars.

Step 2: Register and Login

1. Install the app and create an account using your mobile number
2. Verify your number through OTP
3. Complete the registration process

Step 3: Apply for the Card

Follow the in-app instructions to search for your family's eligibility, complete eKYC, and apply for the Ayushman card. The app provides a streamlined interface specifically designed to make "Ayushman card" for beneficiaries to get free treatment up to INR 5 Lakhs.

Offline Application Through Arogya Mitras

For those who may not have access to digital resources or face difficulties with online applications, offline channels are available:

Step 1: Locate an Arogya Mitra

Pradhan Mantri Arogya Mitras are deployed in empanelled government hospitals to assist beneficiaries. Visit your nearest empanelled government hospital to find an Arogya Mitra.

Step 2: Document Submission

Provide the necessary documents to the Arogya Mitra, who will help verify your eligibility and assist with the application process.

Step 3: Application Completion

The Arogya Mitra will guide you through the application process, help complete the required forms, and submit them on your behalf.

Step 4: Follow-up

Obtain a reference number or acknowledgment receipt from the Arogya Mitra and use it to follow up on your application status.

Verification and Card Issuance

Application Processing

After submitting your application, it undergoes verification against the SECC-2011 database. The verification process typically takes a few days to complete.

Card Collection

Once your application is approved, you can:

1. Download your digital Ayushman card from the beneficiary portal or app
2. Collect a physical card from designated centers if available
3. Benefit from the "Apke Dwar Ayushman" initiative, where Aadhaar-based PMJAY cards are issued at near-to-home locations

Using Your Ayushman Bharat Card in Assam

Finding Empanelled Hospitals

Assam has 335 hospitals empanelled under the Ayushman Bharat scheme. To find the nearest empanelled hospital:

1. Visit the official NHA website
2. Check the list on the Ayushman app
3. Contact the state helpline for assistance
4. Consult with local Arogya Mitras

Availing Treatment

When seeking treatment at an empanelled hospital:

1. Present your Ayushman Bharat card at the hospital's PMJAY help desk
2. The Arogya Mitra at the hospital will verify your identity and eligibility
3. After verification, you can receive cashless treatment up to the covered amount
4. For treatment outside Assam, inform the Arogya Mitra in advance to arrange for travel allowances

Additional Benefits for Assam Residents

Beneficiaries in Assam receive special benefits under the scheme:

1. TA/DA of Rs. 1,000 per day for a maximum of 10 days for treatment outside Assam
2. Air fare assistance of up to Rs. 30,000 per year for treatment outside the state
3. 20% incentive from hospital claims is paid to treating staff of government hospitals, which enhances the quality of care

Troubleshooting and Support

Common Issues and Solutions

1. Eligibility Verification Failed: Ensure your details match exactly with SECC records; consult an Arogya Mitra for assistance
2. eKYC Failure: Verify if your Aadhaar is linked with your current mobile number; update if necessary
3. Card Download Issues: Check your internet connection or visit a Common Service Centre for assistance

Support Channels

For issues or queries regarding your Ayushman Bharat application in Assam:

1. Contact state helpline numbers
2. Visit the nearest empanelled hospital with Arogya Mitras
3. Approach the district health authorities
4. Reach out to Atal Amrit Abhiyan Society, Assam

Conclusion

Applying for Ayushman Bharat in Assam is a straightforward process that can be completed through multiple channels - online portal, mobile app, or with the assistance of Arogya Mitras. The scheme provides substantial financial protection of up to Rs. 5 lakhs per family per year, covering a wide range of medical treatments across empanelled hospitals both within and outside the state.

With additional benefits like travel allowances and air fare assistance, Assam residents can access quality healthcare without financial burden. The state's dual implementation of Ayushman Bharat alongside the Atal Amrit Abhiyan scheme creates a robust healthcare safety net for eligible residents.

By following the steps outlined in this guide, eligible beneficiaries can successfully apply for and utilize the benefits of the Ayushman Bharat scheme, ensuring better health outcomes and protection against catastrophic healthcare expenses.