Difference Between Golden Card And Ayushman Card

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Learn More About Ayushman Card, Difference Between Golden Card And Ayushman Card, Steps, Importance, Significance, And Other More Information

In India’s dynamic healthcare landscape, the Ayushman Bharat Yojana (ABY) stands tall as a beacon of hope, offering financial assistance for medical care to low-income families. A central element of the ABY is the Ayushman Card, often referred to as the “Golden Card.”

However, some confusion might arise regarding the terms “Ayushman Card” and “Golden Card.” This article delves into the key differences between these terms, their functionalities within the ABY, and how they empower individuals to navigate healthcare access.

Difference Between Golden Card And Ayushman Card

The ABY is a two-pronged approach to strengthening India’s healthcare system:

  • Pradhan Mantri Jan Arogya Yojana (PMJAY): Coverage for secondary and tertiary care hospitalization under this government-funded health insurance policy is up to Rs. 5 lakh per household per year.
  • Ayushman Bharat Health Infrastructure Mission: This mission focuses on strengthening primary healthcare infrastructure by establishing new hospitals and upgrading existing ones.

Difference Between Golden Card And Ayushman Card

The Ayushman Card is the official term for the card issued under the PMJAY scheme. It acts as a virtual health insurance card, granting beneficiaries access to cashless and paperless hospitalization benefits at empanelled public and private hospitals. Here are its key features:

  • Eligibility: Issued to families identified as economically disadvantaged through the Socio-Economic Caste Census (SECC) data.
  • Benefits: Covers a wide range of medical procedures, including surgeries, medical investigations, diagnostics, and pre- and post-hospitalization expenses.
  • Financial Coverage: Provides cashless hospitalization benefits up to Rs. 5 lakh per family per year.
  • Network of Hospitals: Beneficiaries can avail treatment at empanelled public and private hospitals across the country.

The “Golden Card” Misconception

The term “Golden Card” is often used interchangeably with the Ayushman Card. However, it’s not technically a separate card. The golden color of the Ayushman Card and its association with valuable healthcare benefits have led to this common misconception.

The Significance of the Ayushman Card

The Ayushman Card holds immense significance for India’s healthcare landscape:

  • Financial Security: Provides a safety net for low-income families, alleviating the burden of hefty medical bills.
  • Improved Access to Quality Care: Expands healthcare access for beneficiaries by enabling them to seek treatment at both public and private hospitals.
  • Reduced Out-of-Pocket Expenses: Promotes cashless and paperless transactions, minimizing out-of-pocket expenses for treatment.
  • Empowerment and Social Inclusion: Enables individuals and families to make informed decisions about their health, fostering social inclusion in healthcare access.

Additional Considerations

Here are some crucial points to keep in mind regarding the Ayushman Card:

  • Pre-authorization: For planned procedures, pre-authorization from the Ayushman Bharat authorities might be required.
  • Treatment Coverage: The Ayushman Card covers a defined set of medical procedures. It’s advisable to check if your specific treatment falls within the scheme’s coverage before visiting a hospital.
  • Hospital Network: Not all hospitals are empanelled under PMJAY. Always verify if your preferred hospital accepts the Ayushman Card for cashless treatment.

Conclusion

While the terms “Ayushman Card” and “Golden Card” are often used interchangeably, the Ayushman Card itself is the official document granting access to the PMJAY benefits. This scheme empowers individuals and families to navigate healthcare challenges with financial security and access to quality care. By understanding the true purpose and functionalities of the Ayushman Card, you can maximize its benefits and take charge of your health journey.

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