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Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a scheme that aims to help economically vulnerable Indians who need healthcare facilities.
Rolled out by the Prime Minister on 23 September 2018, this health insurance scheme covers about 50 crore citizens in India and already has several success stories to its credit. As of September 2019, around 18,059 hospitals were empanelled, over 4,406,461 beneficiaries were admitted, and over ten crore e-cards were issued under the scheme.
The Ayushman Bharat Yojana- National Healt Protection Scheme has now bee renamed Pradh Mantri Jan Arogya Yojana. This plans to make secondary and tertiary healthcare completely cashless for the underprivileged section of society. The PM Ja Arogya Yojana beneficiaries get an e-card that can be used to avail services at an empanelled hospital, public or private, anywhere in the country. With it, you can walk into a hospital and obtain cashless treatment.
The coverage includes three days of pre-hospitalisation and 15 days o post-hospitalisation expenses. Moreover, around 1,400 procedures with all related costs like OT expenses are taken care of. PMJAY provides Rs. 5 lakh coverage to every famil per year, thus helping the economically disadvantaged access healthcare services easily.
PMJAY health cover categories: eligibility criteria for rural and urban people
The PMJAY scheme aims to provide healthcare to 10 crore families, mostly poor and have lower middle income, through a health insurance scheme covering Rs. 5 lakh per family. The ten crore families comprise eight crore families in rural areas and 2.33 crore families in urban areas. Broken into smaller units, this means the scheme will aim to cater to 50 crore individual beneficiaries
However, the scheme has certain pre-conditions by which it picks who can avail of the health cover benefit. While in the rural areas, the list is mostl categorised on lack of housing, meagre income and other deprivations, the urban list of PMJAY beneficiaries is drawn up based on occupation.
PMJAY rural
The 71st round of the National Sample Survey Organisation reveals that a staggering 85.9% of rural households do not have access to any healthocare insurance or assurance. Additionally. 24% of rural families access healthcare facilities by borrowing money. PMJAY aims to help this sector avoid debt traps and avail services by providing yearly assistance of up to Rs. 5 lakh per family. The scheme will aid economically disadvantaged families as per data in the Socio-Economic Caste Census 2011. Here too, households enrolled under the Rashtriya Swasthya Bima Yojana (RSBY) will come under the ambit of the PM Jan Arogya Yojana.
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