Who can apply online for Ayushman Bharat Scheme?

Health is the root of all the happiness and there is a very famous statement “Health is Wealth” and we keep on listening to this statement since childhood. The literal meaning of this statement is that if you are not healthy, there is no meaning of unlimited wealth. You are able to enjoy your wealth only when you are healthy.  

India is a developing country and we are one of the fastest growing economies. To continue with this pace, healthy India is required. Healthy India would make Prosperous India. The Indian Government is also focusing on the health of our country’s citizen.

Who can apply online for Ayushman Bharat Scheme

It is an important cornerstone to the government vision of development “Swasth Bharat, Samriddha Bharat” (Healthy India, Prosperous India). To fulfill the vision of Health for all, our honorable prime minister launched a very ambitious scheme known as Áyushman Bharat. The “Prime Minister Jan Arogya Yojana” is one of the components of Ayushman Bharat & it is the pioneering initiative for the health coverage of all.

What is Ayushman Bharat Scheme

Under this scheme, more than 10 crore poor households are identified on the basis of census 2011.   These families would be eligible to take the reimbursement of up to Rs. 5 lakh per year towards the hospitalization expenses of their family members. This scheme also covers the pre-& post hospitalization costs to some extent. The main aim of this scheme is to deliver comprehensive need-based health care services. Ayushman Bharat aims to undertake path-breaking interventions to holistically address health (covering prevention, promotion and ambulatory care), at primary, secondary and tertiary level.

Who can apply online for Ayushman Bharat Scheme

There are two main components of this scheme. Both the components are defined below.

·        First component is the creation of close to 150K Health & Wellness center that bring health closer to the homes of the people. The first Health & Wellness Centre was launched by our prime minister in 2018 at Jangla, Bijapur in Chhatisgarh.

·        The 2nd component is the health protection to the poor and vulnerable families under the health scheme known as Prime Minister Jan Arogya Yojana.

Who is Eligible for this Scheme?

As per the Social-Economic Caste Census (SECC) conducted by the government in 2011, this scheme is applicable to all the persons deprived of other health insurance schemes and there is no cap on family size as well to ensure that nobody is left out especially the women, children and the old age persons. The beneficiaries are identified based on the deprivation categories (D1, D2, D3, D4, D5, and D7) identified under the SECC database for rural areas. For the urban areas, the 11 occupational criteria will determine the entitlement.

What is the Hospitalisation Process?

In this scheme, hospitalization expenses would be taken care of by the government and beneficiaries would not be required to pay any premium. The benefit also includes the pre and post-hospital expenses.

There would be an “Ayushman Mitra” at every hospital to assist the beneficiaries.

Who can apply online for Ayushman Bharat Scheme

Key Features of The Scheme

The various key features of this scheme are as follows

·        This scheme will be implemented in all parts of the Nation.

·        There is no Restriction on family Size, Age or Gender. All members of eligible families are automatically covered.

·        This scheme would be cashless and paperless at public hospitals and private empanelled private hospitals.

Who can apply online for Ayushman Bharat Scheme


The biggest challenge of this scheme is the nationwide implementation.  Other challenges are the requirement of doctors in large number, lack of infrastructure etc. 


The thought process behind this scheme is very ambitious and we hope that this scheme would get the results that we all are hoping for. It is very significant to implement the scheme properly and also proper mechanism is required to ensure the success of this scheme.

Thanks for reading our article. Please share your suggestions in the comment box. Also, share this post with your friends, family, relatives etc. 


What are the Tips for Personal Financial Planning?

Personal financial planning is the roadmap to the financial strategies for maintaining the financial health and accomplishes the financial goals. Today, in this post, we will discuss the tips for personal financial planning & the right approach to do the financial planning properly?

Everyone has few objectives in his life and I have listed a few examples of these goals are as follows:

•  Few are looking for the home.

•  Few are looking for the marriage of their children.
•  Few are looking for the education of their children.

To achieve these goals, proper planning of finance is required to meet the requirement of life and complete the objectives of life as per the decided target.

In this post, we will discuss the few tips to do the proper financial planning.

What are the Tips for Personal Financial Planning

Rules of Personal Financial Planning

There are two main rules of personal financial planning.

•  The first rule is 50:30:20. It means, 50% of your income should go towards your regular expenses like the household, 30% for your vacations, traveling, food etc. The remaining 20% would be your savings only.

•  The 2nd rule of personal financing is to pay yourself.

The formula is Income-savings = expenditure.
Make a target of saving and plan your expenditures accordingly.

 Process of Financial Planning

There are several steps involved in financial planning and we have listed all these steps below. These steps are the key tips of doing financial planning in the best manner.

•  The first step is to identify your financial condition. What are the assets and liabilities that you carry? It will help you in doing your financial planning in a proper manner.

•  Identify your goals. This is the second steps of your financial planning. Divide your goals into the short-term and long-term goals. If the duration of your goal is up to 5 years, consider it short-term goals. Any goal with duration of more than 5 years would be considered into the long-term goals.

Tips for Personal Financial Planning

•  The 3rd step is the formation of your financial plan. In the previous step, you have decided your objectives and in the same step, you also got the information related to the amount required to meet your financial goals.

•  The 4th step of financial planning is to implement the plan.  There are several options available and among all the options, few financial components are useful for everyone. I have made the list of these components below.

•  Timely review your financial plan and the implementation of the financial plan. If any deviation occurs, modify your plans accordingly.

Must have financial components of every individual

The personal financial planning of any person can be divided into parts. First part is insurance and the second part is the investment. Make your investment separate from your insurance and it is one of the main steps of personal financial planning.  

In this post, we will discuss the insurance part only and read our other post on investment.

  • Term Insurance

Term Insurance has become the need of all those persons where his entire family is dependent upon him. Life is uncertain, and anything could be happened while traveling on the road. So, it is our recommendation to take the term insurance to support your family when you were not with them. It is a type of life insurance offered by the insurance company which offers the financial coverage to the policyholder for a specific period.  If any mis-happening happens to the insured person during the policy term, the insurance company will pay the amount of insurance to the beneficiaries of the family. Among all the life insurance, Term Insurance provides the maximum return at the lowest premium during the period of the plan. It will help your family to meet the financial requirement in your absence and make them financially independent.

Tips for Personal Financial Planning

  • Health Insurance


In the post, we have discussed the insurance product that is the first tip of doing proper financial planning. In the next few posts, we will discuss the investment and the components in which we can invest to get maximum returns at the retirement.

Thanks for reading our article. Kindly share your feedback in the comment box


Whose must we respect in our life?

Respect is a very common word and we all know the meaning of this word.

But Do we understand the importance of this word?

Do we know the power of this word?

Believe on me guys if you start understanding the importance of this world “RESPECT”, we could easily solve several problems pertaining in our society. In this post, I am going to remind you 6 most valuable parts of our life and it must be respected.

Whatever I am writing in this post is well-known fact and everyone knows about it.

But are we following it?

This is the main question and through this post, I just want to remind you again to show respect. We should respect several things in our life and let’s discuss the top most priorities for every individual.

•  Respect for Parents

The most valuable word of the English dictionary is the “Parents” in my opinion. There is the very common line that we often listen from our surroundings that God was not able to reach everywhere that’s why the God created parents. If we consider, then parents are the incarnation of God but are we doing justice with our God. If yes, then why does the requirement of old age home occur? We must respect our parents and there are several reasons supporting this fact. The most important is the love and care that we all get from our parents. There love, and care is also unconditional. Parents give their precious time in nurturing us and they are with us to face any unseen situation. Whatever they give us is very precious and it is our moral responsibility to respect our parents 24*7*365.

Whose must we respect in our life

Respect for Country

In my opinion, respect for the country must be from the heart and we must be patriotic for our country. There are several reasons that encourage us to respect our great nation. It has given us various fundamental rights, place to live, provide an opportunity to earn, and live life with dignity. Apart from these things, it gives us the identity globally and whenever we go outside from our country, we call ourselves as Indian. This is our global identity.

Whose must we respect in our life

Respect for National Anthem, Song & National Flag

Develop a deep sense of patriotism towards national anthem, national song, & national flag. Never say single wrong words for our country. Nation flag is the identity of the independent nation and it is the symbol of pride and honor.  No one will tell you to respect these symbols, but it should be from the heart.

Whose must we respect in our life

Respect for Army

Armies are the real heroes of our country.  We should respect our soldiers as they work for us. They keep our interests safe, our enemies at bay and the people of our country secure and free. If we can take breathe freely then it is only because of our soldiers. They are our real heroes and they stand on the borders day and night to save our country from the enemy.

Whose must we respect in our life

Respect for Women

A Woman brought you into this world, so you have no right to disrespect one. She has the power to take a civilization to new heights and we often listen a very common dictum, “Behind every great man, there is a woman smiling”.   Ask any man randomly that who is responsible for your success, the answer would be mother only.

A real man never hurts a woman. Be a real man and respect women.

Whose must we respect in our life

Respect for Food

Food is the necessity of everyone’s life. After oxygen and water, food is the most valuable component of our life. It is the only cure of your hunger. It means if you are hungry it is the food that helps you in that situation. The source of energy for human beings is the food. There are several people struggling to get food and they work throughout the day to get the food in the night. If you are getting food, please respect it and don’t waste it at all. If you have extra food, then share with those persons who are in actual need of that food.

Whose must we respect in our life


There are many more things to respect such as books, religion, humanity, kindness etc. but I have taken the most impactful things in our life. I hope you all respect parents, country, army, food, & women. If not, then start from today.

Whose should we respect in our life? Please share your opinion with our readers in the comment box.

Kindly share our post with your social media profiles as well.


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