Ayushman Bharat Yojana: Does It Cover Private Rooms? Know The Rules And Benefits

The Ayushman Bharat Yojana is one of the Government of India’s biggest health initiatives, designed to provide free treatment facilities to millions of underprivileged families. A common question among beneficiaries is whether the scheme covers private rooms in hospitals. Let’s understand what the rules say.

Why Ayushman Bharat Yojana Was Launched

Medical treatment often becomes unaffordable for families with limited income. While some people buy health insurance, many cannot afford the high premiums. To support such families, the Government launched Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY). Its aim is to ensure that no patient is denied proper healthcare due to financial constraints.

Insurance Coverage Under the Scheme

• Each eligible family is provided with a health insurance cover of up to ₹5 lakh annually.
• The scheme covers the cost of hospitalisation, surgeries, diagnostic tests, and medicines.
• Both government and private hospitals are empanelled under the scheme, giving patients wider access to healthcare services.

Does the Scheme Provide a Private Room?

One of the most asked questions is whether Ayushman Bharat beneficiaries can get a private room. The answer is no.

• The scheme only covers general wards and shared wards.
• Patients are admitted in standard hospital categories to keep costs manageable.
• If a patient wants a private room, the extra cost must be paid by the individual.

Why Private Rooms Are Not Included

The primary goal of the Ayushman Bharat Yojana is to provide affordable and essential healthcare to as many families as possible. By limiting hospitalisation to general wards, the scheme ensures that more people benefit from the available funds.

How to Avail Benefits

• Ensure that your family name is included in the Ayushman Bharat beneficiary list.
• Get your Ayushman card made.
• Visit any empanelled government or private hospital and present the card at the time of admission.
• The government will directly bear the treatment costs.

The Ayushman Bharat Yojana is a lifeline for crores of Indian families, offering financial protection and access to necessary medical care. While it does not cover private rooms, it provides comprehensive support through general and shared wards, ensuring that healthcare remains accessible and affordable to all.