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https://www.nivabupa.com/health-insurance-articles/apply-for-ayushman-bharat-yojana-scheme.html Ayushman Bharat scheme comes along with two components; one is Health and Wellness Centres (HWCs), and the other is Pradhan Mantri Jan Arogya Yojana (PM-JAY). Both components work with the similar aim of providing affordable health care to everyone.