Is a Kidney Transplant Covered By the Ayushman Card?

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Yes, you can get coverage for a kidney transplant package under the PM-JAY scheme of Ayushman Bharat. This policy, specifically designed by the Indian government, is to save the lives of underprivileged people who can not afford critical surgeries.


In fact, with chronic kidney conditions projected to rank among the top 5 causes of death in India by 2040, as reported by India Today, this facility is a crucial step by the government taken for citizen welfare.


What are the Features of Kidney Transplant Coverage Under Ayushman Card?



  1. Sum-Insured Limit


The Ayushman Bharat Yoajna provides beneficiaries with cashless coverage of up to ₹5 lakh per family annually. This is why, if you require a kidney transplant surgery, this insured amount will reduce your financial burden without compromising on the quality.



  1. Coverage Benefits


With this scheme, policyholders can get coverage for pre-hospitalisation up to 3 days and post-hospitalisation for up to 15 days. Moreover, they will receive coverage for medications, consultation, examination and ICU charges.



  1. Excluded Services


There are certain benefits of a standard private health insurance plan that are not included in the Ayushman Bharat scheme for policyholders requiring a kidney transplant. For example, they can not get coverage for OPD treatment, Ayush treatment (for Ayurveda) or free medical check-ups.


Who is Eligible for Kidney Transplant Surgery from an Ayushman Card?


1.For Rural Household



  • Families who live in one-room kuccha houses.



  • Households which do not have an adult earning or a male member aged 16–59 years.



  • Families where adult members are disabled.



  • SC/ST households and landless families who are dependent on manual labour.


2.For Urban Household



  • People in low-paying occupations, such as domestic, sanitation, and transportation (e.g. conductor) workers.



  • Individuals with daily wage earnings, including street vendors, construction labourers, and cobblers


Steps to Enrol in PMJAY for Kidney Transplant


Step 1: Navigate to the official PMJAY government portal


Step 2: Click the ‘Am I Eligible’ icon.


Step 3: Put your mobile number and click on 'Generate OTP.’


Step 4: Enter the OTP received on your mobile.


Step 5: Check your name in the PMJAY beneficiary list by specifying your personal details, including name, ration card, and state.


Step 6: If you are eligible, continue to download your Ayushman Card to get coverage for critical surgeries like a kidney transplant.


Which Documents are Required to Apply for PMJAY Health Insurance?



  • Identity and age-proof documents, such as an Aadhaar card or PAN card.



  • Caste certificate



  • Income certificate of the family



  • Address Proof, such as Voter ID, Ration Card, or Utility Bill


Final Words


The Ayushman card is becoming the hope for millions of underprivileged Indians seeking accessible and affordable healthcare. By reducing the gap between healthcare needs and financial constraints, this card helps the beneficiaries get high-cost surgeries, such as a kidney transplant.


However, before applying, always check your eligibility through the official website of the PM-JAY scheme.