- By Yashashvi Tak
- Sun, 25 Jan 2026 09:25 AM (IST)
- Source:JND
The Uttarakhand government has implemented a major policy overhaul in the operation of the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana and the Atal Ayushman Yojana to strengthen financial discipline and simplify procedures. A government order has been issued in this regard, withdrawing several incentives and provisions.
As per the order, the 10 per cent incentive granted to empanelled EHCP hospitals in Haridwar and Udham Singh Nagar has been discontinued. Additionally, the 10 per cent extra incentive earlier provided to entry-level NABH-accredited hospitals, excluding those in hilly areas, has also been withdrawn. Multiple incentives applicable to various treatment packages have been removed, with a new provision allowing only a single maximum permissible incentive per category.
Under the revised policy, cataract surgery has been excluded from the state-funded Atal Ayushman Yojana, though kidney dialysis services will continue unchanged. ESI cardholders have also been excluded from coverage under the state-funded scheme.
Both the Ayushman Bharat and Atal Ayushman schemes will now operate under an insurance-based model. The order further states that incentives for treatments provided under state health schemes in government hospitals and medical colleges will be phased out. Officials have been directed to prepare a Request for Proposal (RFP) for the selection of insurance companies and submit it to the government.
“These changes will ensure the effective implementation of the schemes and help curb financial irregularities,” said Prof CP Bhaisora, Principal, Medical College, Almora.
How To Apply For Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana And Atal Ayushman Yojana
Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana
1. Visit the official PMJAY portal (mera.pmjay.gov.in or the Beneficiary NHA portal) and check your eligibility.
2. Log in using your mobile number, enter the captcha, and verify with the OTP received.
3. Select your state and search for your details using your mobile number, ration card number, or Aadhaar number.
4. If found eligible, verify the displayed family details and proceed by clicking on “Apply” or “Action” for authentication.
5. Complete e-KYC using Aadhaar (OTP, fingerprint, or iris scan); after SHA approval, download the digital Ayushman card from the portal.
Required Documents:
Aadhaar Card
Ration Card (to verify family members)
Mobile Number
Residence proof
Atal Ayushman Uttarakhand Yojana
Eligible residents can apply for the Atal Ayushman Uttarakhand Yojana (AAUY) online through the PM-JAY portal or Ayushman App, or offline at CSC centers and empanelled hospitals by providing Aadhaar, ration card, and bank details. The scheme offers cashless health coverage of up to Rs 5 lakh per family each year.
Steps to Apply Online
1. Visit the official PM-JAY website or download the Ayushman App.
2. Log in and register using your mobile number.
3. Search for beneficiary details by entering your name, district, and ration card number to check eligibility.
4. Complete the Aadhaar-based e-KYC process.
5. Upload the required documents and submit the application.