Here's a news article based on the title you provided, incorporating information from recent news sources:

Planning to apply for the Ayushman Bharat Card? Here's what to avoid:

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) is a significant healthcare initiative aimed at providing health insurance coverage to a large portion of the Indian population. The scheme provides eligible families with coverage of up to ₹5 lakh per year for secondary and tertiary care hospitalization. Applying for the Ayushman Bharat card, which enables access to these benefits, can be a crucial step towards securing healthcare access. However, navigating the application process requires careful attention to detail to avoid common errors that could lead to rejection or delays.

One of the most frequent mistakes is providing inaccurate or incomplete information on the application form. This includes errors in spelling names, incorrect dates of birth, or discrepancies in address details. Such errors can create confusion during the verification process, potentially leading to the application being rejected. Therefore, it is crucial to double-check all details against official documents like Aadhaar cards, PAN cards, and ration cards before submitting the application.

Another common pitfall is failing to check eligibility criteria properly. The AB PM-JAY scheme targets specific socio-economic groups based on criteria defined by the Socio-Economic Caste Census (SECC) 2011 data. Many applicants assume they are eligible without verifying their inclusion in the SECC database or meeting other eligibility requirements as defined by the scheme. Before applying, it is advisable to check your eligibility through the official PM-JAY website or by visiting a nearby empanelled hospital or Common Service Center (CSC).

Another mistake is using unofficial channels or intermediaries who may charge exorbitant fees or provide misleading information. The application process is designed to be simple and accessible, with various free channels available for registration and assistance. Relying on unauthorized agents can expose applicants to fraud and unnecessary expenses. Always use official sources and হেল্পলাইন numbers provided by the government to get assistance and clarify doubts.

Furthermore, many applicants do not have the necessary documents readily available. This can cause delays in processing the application. Keep documents such as Aadhaar card, ration card, income certificate, and other relevant documents ready before starting the application process. Having these documents at hand streamlines the process and reduces the likelihood of errors or omissions.

Another area where applicants often stumble is in understanding the scope of coverage provided by the Ayushman Bharat card. The scheme covers a wide range of medical treatments, but it is essential to be aware of the exclusions and limitations. Not all hospitals are empanelled under the scheme, and certain procedures may not be covered. Before seeking treatment, confirm that the hospital is part of the AB PM-JAY network and that the specific treatment is covered under the scheme.

Finally, neglecting to keep the Ayushman Bharat card and related documents safe and accessible is another common oversight. The card is essential for availing of benefits under the scheme, and losing it can cause difficulties during hospitalization. Store the card in a safe place and keep a digital copy for emergencies. Also, keep track of your transaction history and policy details to ensure transparency and accountability.

By avoiding these common mistakes, applicants can navigate the Ayushman Bharat card application process more effectively and ensure they can access the healthcare benefits they are entitled to under the scheme. The AB PM-JAY is a valuable resource for millions of Indians, and a careful and informed approach to the application process is key to maximizing its benefits.