Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana

From Prelims Sureshots » Schemes & Welfare Initiatives

Introduction:

Ayushman Bharat is a flagship scheme of the Government of India launched in 2018 to achieve Universal Health Coverage.
The scheme has two components: Health and Wellness Centres (HWCs) and Pradhan Mantri Jan Arogya Yojana (PM-JAY).

Ministry/Agency:

Ministry of Health & Family Welfare.

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Objectives:

To provide health coverage of up to ₹ 5,00,000 per family per year for secondary and tertiary care hospitalization.
To cover over 10.74 crores poor and vulnerable families (approximately 50 crore beneficiaries) that form the bottom 40% of the Indian population.

Benefits:

Cashless cover of up to ₹ 5,00,000 for listed secondary and tertiary care conditions.
No cap on family size or age of members.
Pre-existing diseases are covered from the very first day.
Eligible persons suffering from any medical condition before being covered by PM-JAY can get treatment for all those medical conditions as well under this scheme.

Eligibility:

Rural and urban residents belonging to various socio-economic groups are eligible for PM-JAY.
Eligibility is based on deprivation and occupational criteria of the Socio-Economic Caste Census 2011 (SECC 2011) for rural and urban areas, respectively.

Implementation strategy:

PM-JAY is fully funded by the Government, and the cost of implementation is shared between the Central and State Governments.
The scheme provides coverage for various components of the treatment, including medical examination, treatment, and consultation, pre-hospitalization, medicine and medical consumables, non-intensive and intensive care services, diagnostic and laboratory investigations, medical implantation services, accommodation benefits, food services, complications arising during treatment, and post-hospitalization follow-up care up to 15 days.

Exclusions:

Persons who own a two, three, or four-wheeler or a motorized fishing boat, those who own mechanized farming equipment, those who have Kisan cards with a credit limit of ₹ 50000, those employed by the government or in government-managed non-agricultural enterprises, those earning a monthly income above ₹ 10000, those owning refrigerators and landlines, those with decent, solidly built houses, and those owning 5 acres or more of agricultural land are excluded from the scheme.