Heart disease is quickly becoming one of the leading causes of deaths among Indians, about 28% of all deaths each year, according to the Indian Council of Medical Research (ICMR). For most families, the harder problem isn’t the diagnosis.
It’s the bill and the eventual cost of cardiac treatment. Cardiac procedures can run into several lakhs, and that number alone stops people from getting care on time.
The Ayushman Bharat PMJAY scheme covers this gap: eligible families receive health insurance coverage of up to ₹5 lakh per year, and cardiac procedures are included.
If you’re in Patna or anywhere in Bihar, this matters: BIG Apollo Spectra Hospital is officially empanelled under PMJAY for MC-Cardiology. Ayushman cardholders can walk in and receive cashless cardiac treatment, no upfront payment, no scrambling for money. And since early diagnosis in cardiology helps avoid surgery, using the Ayushman scheme for a consultation before symptoms worsen is one of the better decisions you can make.
What Is the Ayushman Bharat PMJAY Scheme?
The Pradhan Mantri Jan Arogya Yojana, most people call it the Ayushman Bharat Scheme, was launched in September 2018 by the Government of India. It’s among the largest government-funded health insurance programmes, built to protect low-income families from hospitalisation costs that can otherwise wipe out years of savings.
Eligible households get Ayushman Bharat health insurance coverage of up to ₹5 lakh per family per year. Treatment coverage at empanelled hospitals is cashless and paperless. There are no premiums; the government funds it entirely, and you pay nothing at admission for covered procedures.
The list of diseases covered under Ayushman Bharat runs into over 1,949 medical packages across 27 specialties. The Ayushman Bharat package list includes several cardiac procedures, from diagnostics to interventional care.
If you hold an Ayushman Bharat health card, you can walk into any empanelled hospital and get treated for the covered procedures, subject to package rules and hospital authorization.
The hospital team at BIG Apollo Spectra handles eligibility checks, paperwork, and pre-authorisation on your behalf; you don’t need to sort this out alone.
Ayushman Scheme for Cardiology Patients
Certainly, cardiac treatment is part of the Ayushman Bharat PMJAY scheme covering everything from the first consultation to highly complex interventional procedures.
Heart disease in India affects individuals of all income groups; however, the lower- and middle-income families are the ones facing a heavier economic burden. The Ayushman scheme aids in making specialist cardiac care accessible to individuals who might otherwise postpone or reject it due to financial reasons.
These are the cardiac care facilities that hospitalized patients will find under the scheme:
- Cardiac consultations: Initial evaluation and specialist review by a cardiologist
- Diagnostic tests: ECG, echocardiography, treadmill stress tests, and heart-related blood investigations
- Coronary angiography: Imaging of the heart’s blood vessels to identify blockages
- Angioplasty and stenting: Procedures to open blocked coronary arteries
Management of ongoing heart-related conditions: Including hypertension, heart failure, arrhythmias, and valve disorders
Here’s the part that gets overlooked: a condition caught at the consultation or diagnostic stage is almost always cheaper to treat and far less dangerous than one that reaches a critical point. The scheme covers those early steps which is where it does much of its real work for patients who act on symptoms quickly.
→ Book an Appointment Today for Cashless Cardiac Treatments
BIG Apollo Spectra Hospital: PMJAY Empanelled for MC-Cardiology
BIG Apollo Spectra Hospital, Patna is officially empanelled under PMJAY for MC-Cardiology. It is one of the few hospitals in the region where Ayushman cardholders can receive cashless, advanced cardiac care without being asked to pay upfront or make a deposit.
As a leading heart hospital in Patna, the hospital offers a full range of cardiology services.
On the non-invasive side, this includes ECG, echocardiography, treadmill stress testing. On the interventional side, it includes: coronary angioplasty, pacemaker implantation, and peripheral vascular procedures.
The cardiology department is led by Professor Dr. Nirav Kumar, Director of Cardiology, who has over 30 years of experience in interventional cardiology. He has performed more than 1 lakh coronary angiographies and over 30,000 coronary angioplasties. In 2022, the National Informatics Centre (NIC) recognised his cath lab at BIG Apollo Spectra as the second-highest volume centre in North-East India.
Ayushman cardholders at BIG Apollo Spectra get:
- Cashless treatment from admission to discharge
- Advanced cardiac diagnostics without being referred elsewhere
- Specialist-led care under an experienced team
- Step-by-step guidance through the entire Ayushman scheme process
You don’t need to worry about paperwork or approvals alone, the hospital’s team guides you through the entire Ayushman Scheme benefits process.
→ Consult the Best Cardiologist in Patna at Big Apollo Spectra
Who Can Benefit from the Scheme?
The Ayushman scheme covers families listed in the Socio-Economic Caste Census (SECC) 2011 database and beneficiaries under RSBY. You can do an Ayushman card eligibility check at pmjay.gov.in or at the hospital’s insurance desk; the team there will answer all your questions on the spot.
Some patient groups have the most to gain from using the scheme for cardiac care:
1. Patients with Chest Pain – Unexplained chest tightness or pressure is one of the most common early signs of a cardiac event. Getting evaluated under the scheme for inpatient care can rule out something serious before it gets worse. This is not a symptom to wait out.
2. Patients with High Blood Pressure – Sustained high BP raises the risk of coronary artery disease and stroke considerably. Specialist consultations during admitted care and cardiac or stroke-related procedures fall within what the scheme covers.
3. Patients with Diabetes – Diabetic patients carry a much higher risk of cardiovascular complications. Treatment of coronary artery disease in diabetic people often requires earlier, more intensive cardiac intervention, and the scheme supports that.
4. Patients with a Family History of Heart Disease – Having a parent or sibling who has had a heart attack or bypass surgery means your own risk is above average. Eligible beneficiaries can receive coverage for covered cardiac investigations, hospitalization, and procedures with the use of Ayushman Bharat health card.
5. Patients Already Experiencing Symptoms – Breathlessness, fatigue, palpitations, swollen feet – these can all point to underlying cardiac conditions. If you’re experiencing any of them, cost should not be the reason you wait to get proper inpatient care under the scheme.
How to Get Cashless Cardiology Treatment Under PMJAY?
The process is straightforward to access cashless cardiac care by using your Ayushman Scheme details. Five steps, and the BIG Apollo Spectra hospital team guides you through each one.
Step 1: Check Your Eligibility Go to pmjay.gov.in or call the national helpline at 14555 to see if you or your family is registered as a PMJAY beneficiary. Alternatively, walk into the hospital’s insurance desk and the team will check on the spot.
Step 2: Visit BIG Apollo Spectra The hospital at Agamkuan, Patna is empanelled under PMJAY for Cardiology care and is authorised to process your claim and admit you cashless under the scheme. No referral needed.
Step 3: Bring Your Aadhaar and Ayushman Card Carry both documents or your beneficiary ID. If you haven’t received a physical Ayushman card yet, Aadhaar-linked records can often be verified at the Ayushman Mitra help desk at the hospital.
Step 4: Cardiac Evaluation The cardiology doctor will assess your condition and decide which tests or procedures are needed. Every recommended care that falls within the Ayushman Bharat package list gets processed under the scheme.
Step 5: Pre-Authorisation and Treatment The hospital files the pre-authorisation request with the PMJAY portal on your behalf. Once it’s approved, treatment proceeds with no deposit, no upfront payment for covered procedures.
FAQs
In this section, we’ve answered some common questions regarding Ayushman Scheme for cardiology patients so that you can get informed. If any of your questions are not covered, kindly leave them in the comments section and our team will get back to you:
1. Is heart treatment covered in Ayushman Card?
Yes, a wide range of heart treatments including cardiac surgeries, management of heart attacks, and surgical correction of congenital heart defects are fully covered.
2. Does angioplasty come under the Ayushman Bharat scheme?
Yes, angioplasty is fully covered as it is one of the procedures listed under the scheme’s cardiac treatment packages.
3. Which diseases are not covered in the Ayushman card?
The plan does not cover OPD care (non-hospitalization), cosmetic/aesthetic surgeries, fertility treatments, normal dental procedures, and experimental new treatment methods.
4. What is the cost of stents in Ayushman Bharat?
Stent prices come under the treatment bundle and are based on the government ceiling prices (about ₹9,373 for Bare Metal and ₹34,128 for Drug-Eluting stents).
5. Is Ayushman Bharat 5 lakh per family or per person?
The sum of ₹5 lakh is the annual coverage limit for a family, and it can be accessed by any or all family members without any limitation on family size.
Get Expert Cardiac Care with Ayushman Support
Heart disease shouldn’t go untreated because the cost feels impossible to bear. At BIG Apollo Spectra Hospital, Patna, eligible families can access quality cardiac care cashless, with nothing hidden in the bill.
If you need hospital-based and inpatient cardiac care consultations, a diagnostic workup, or a procedure like angioplasty, the Ayushman scheme offers you the chance to access it.
Some of the best cardiologists in Patna will be available to you at the hospital. The cardiac team at the hospital will take care of everything from routine assessments to high-volume interventional procedures.
If you or someone in your family is dealing with heart symptoms, check your eligibility and book an appointment. Waiting rarely makes these things simpler.
Consult Our Cardiology Team for Cashless Heart Care → 📞 Call Us: 0612-3540100 📍 Sheetla Mandir (Near Sump House), Agamkuan, Patna – 800007
