Ayushman Bharat Yojana Scheme (PM-JAY) पात्रता और आवेदन प्रक्रिया के बारे में सब कुछ

About Ayushman Bharat Yojana: Ayushman Bharat Yojana or “Healthy India” is a national initiative launched by Prime Minister Narendra Modi as part of National Health Policy 2017, in order to achieve the vision of Universal Health Coverage (UHC). This initiative has been designed on the lines as to meet SDG and its underlining commitment, which is “leave no one behind

Ayushman Bharat Yojana Scheme

AyushmanBharat is an attempt to move from a sectoral and segmented approach of health service delivery to a comprehensive need-based health care service. Ayushman Bharat aims to undertake path-breaking interventions to holistically address health (covering prevention, promotion and ambulatory care), at the primary, secondary and tertiary levels.

Ayushman Bharat (AB) is an attempt to move from a selective approach to health care to deliver a comprehensive range of services spanning preventive, promotive, curative, rehabilitative and palliative care. It has two components which are complementary to each other. Under its first component, 1,50,000 Health & Wellness Centres (HWCs) will be created to deliver Comprehensive Primary Health Care, that is universal and free to users, with a focus on wellness and the delivery of an expanded range of services closer to the community. The second component is the Pradhan Mantri Jan Arogya Yojana (PM-JAY) which provides health insurance cover of Rs. 5 lakhs per year to over 10 crore poor and vulnerable families for seeking secondary and tertiary care.

HWC is envisaged to deliver an expanded range of services that go beyond Maternal and child health care services to include care for non -communicable diseases, palliative and rehabilitative care, Oral, Eye and ENT care, mental health and first-level care for emergencies and trauma, including free essential drugs and diagnostic services

Establishment of Health and Wellness Centres

Pradhan Mantri Jan Arogya Yojana (PM-JAY)

  1. Establishment of Health and Wellness Centres–The first component, pertains to the creation of 1,50,000 Health and Wellness Centres which will bring health care closer to the homes of the people. These centres will provide Comprehensive Primary Health Care (CPHC), covering both maternal and child health services and non-communicable diseases, including free essential drugs and diagnostic services.
  2. Pradhan Mantri Jan Arogya Yojana (PM-JAY) –PM-JAY is one significant step toward the achievement of Universal Health Coverage (UHC) and Sustainable Development Goal – 3 (SDG3). It aims to provide health protection coverage to poor and vulnerable families against financial risk arising out of catastrophic health episodes.

Pradhan Mantri Jan Arogya Yojana (PM-JAY) will provide financial protection (Swasthya Suraksha) to 10.74 crores of poor, deprived rural families and identified occupational categories of urban workers’ families as per the latest Socio-Economic Caste Census (SECC) data (approx. 50 crore beneficiaries). It will offer a benefit cover of Rs. 500,000 per family per year (on a family floater basis).

PM-JAY will cover medical and hospitalization expenses for almost all secondary care and most of the tertiary care procedures. PM-JAY has defined 1,350 medical packages covering surgery, medical and daycare treatments including medicines, diagnostics and transport.

To ensure that nobody is left out (especially girls children, women, children and the elderly), there will be no cap on family size and age in the Mission. The scheme will be cashless & paperless at public hospitals and empanelled private hospitals. The beneficiaries will not be required to pay any charges for the hospitalization expenses. The benefit also includes pre and post-hospitalization expenses. The scheme is entitlement based, the beneficiary is decided on the basis of a family being figured in the SECC database. When fully implemented, the PM-JAY will become the world’s largest government-funded health protection mission.

Benefits of PM-JAY

Beneficiary Level –

  • The government provides health insurance coverage of up to Rs. 5,00,000 per family per year.
  • More than 10.74 crore poor and vulnerable families (approximately 50 crore beneficiaries) are covered across the country.
  • All families listed in the SECC database as per defined criteria will be covered. No cap on family size and age of members.
  • Priority to a girl child, women and senior citizens.
  • Free treatment is available at all public and empanelled private hospitals in times of need.
  • Covers secondary and tertiary care hospitalization.
  • 1,350 medical packages covering surgery, medical and daycare treatments, cost of medicines and diagnostics.
  • All pre-existing diseases are covered. Hospitals cannot deny treatment.
  • Cashless and paperless access to quality health care services.
  • Hospitals will not be allowed to charge any additional money from beneficiaries for the treatment.
  • Eligible beneficiaries can avail of services across India, offering the benefit of national portability. Can reach out for information, assistance, complaints and grievances to a 24X7 helpline number – 14555

Health System

  • Help India progressively achieve Universal Health Coverage (UHC) and Sustainable Development Goals (SDG).
  • Ensure improved access and affordability, of quality secondary and tertiary care services through a combination of public hospitals and well-measured strategic purchasing of services in health care deficit areas, from private care providers, especially the not-for-profit providers.
  • Significantly reduce out-of-pocket expenditure for hospitalization. Mitigate financial risk arising out of catastrophic health episodes and consequent impoverishment for poor and vulnerable families.
  • Acting as a steward, align the growth of the private sector with public health goals.
  • Enhanced use of evidence-based health care and cost control for improved health outcomes.
  • Strengthen public health care systems through the infusion of insurance revenues.
  • Enable the creation of new health infrastructure in rural, remote and under-served areas.
  • Increase health expenditure by Government as a percentage of GDP.
  • Enhanced patient satisfaction.
  • Improved health outcomes.
  • Improvement in population-level productivity and efficiency
  • Improved quality of life for the population

About Ayushman Yojana in Detail:

The primary aim of the Pradhan Mantri Jan Arogya Yojana (PMJAY) scheme is to provide health insurance coverage to approximately 50 crore citizens of India. Due to the requirement for better healthcare services to battle medical contingencies, the government of India introduced this health insurance scheme to secure the economically weaker sections of the country.

Moreover, the Ayushman Bharat Yojana offers an average coverage amount of ₹5 lakh to beneficiaries. This covers a majority of diagnostics, pre-hospitalisation costs, medicines, and medical treatment expenses. In addition to this, the cashless, as well as paperless services, work in favour of the nominees at any given point of time in their lives.

PMJAY scheme makes quality healthcare accessible to the poorest of poor families in India. Hence, the benefits offered by this health insurance plan are massive. Take a look at these features and benefits offered by the healthcare scheme to every family in need:

Eligibility Criteria: Rural:
According to the 71st round of the National Sample Survey Organisation, over 85.9% of people in rural areas do not have access to basic healthcare plans. Moreover, 24% of the rural population seeks healthcare facilities by borrowing money. This is where the Pradhan Mantri Jan Arogya Yojana scheme comes in handy. It helps these people avoid getting into a debt trap and avail health facilities. This scheme is economically beneficial to underprivileged households. Also, the families enrolled under the Rashtriya Swasthya Bima Yojana (RSBY) will be covered under the PMJAY scheme. In the rural areas, this health facility is available to:

  • People belonging to scheduled caste and scheduled tribe families
  • Households with no male member between the age of 16 years and 59 years
  • Beggars and those surviving on alms
  • Families with no individual between the age of 16 years and 59 years
  • Households with no healthy adult individual and at least one physically challenged member
  • Landless families who make a living by working as casual manual labourers
  • Primitive tribal communities
  • Legally released bonded labourers
  • People living in one-room makeshift houses with no proper walls or roof
  • Manual scavenger families

PMJAY Eligibility Criteria: Urban

Much like the rural areas and as per the 71st round of the National Sample Survey Organisation, over 82% of urban families do not have access to adequate healthcare insurance. Furthermore, over 18% of the urban population avails of health facilities by borrowing money in one form or another.

With the PMJAY scheme, these people can avail of healthcare services, as the funding provided is ₹5 lakh per family. According to the Socio-Economic Caste Census 2011, the Ayushman Bharat Yojana in the urban areas is beneficial to workers’ families.

List of Critical Ailments Covered Under PMJAY Scheme

PMJAY scheme provides funding of ₹5 lakh per family annually. The benefit can be utilised for daycare procedures and even for pre-existing illnesses. Some of the critical illnesses covered in the plan are as follows:

  • Prostate cancer
  • Coronary artery bypass grafting
  • Double valve replacement
  • Carotid angioplasty with stent
  • Pulmonary valve replacement
  • Skull base surgery
  • Laryngopharyngectomy with gastric pull-up
  • Anterior spine fixation
  • Tissue expander for disfigurement following burns
  • COVID-19 treatment and testing

Ayushman Bharat Yojana Scheme: Medical Packages and Hospitalisation Process

Individuals, as well as families, can utilise the health coverage of ₹5 lakh provided under the Pradhan Mantri Arogya Scheme. This sum is enough to cover surgical treatments and medical expenses in almost 25 specialities that include:

  • Cardiology
  • Neurology
  • Oncology
  • Paediatrics
  • Orthopaedics

However, you cannot reimburse medical and surgical expenses simultaneously. In the case of multiple surgeries, the surgery with the highest cost is paid in the first instance; then a 50% waiver is offered for the second surgery and a 25% discount on the third.

Ayushman Bharat Yojana Form 2022 – Direct Links

आयुष्मान भारत योजना नाम देखें (Search) Click Here
Ayushman Bharat Yojana Form 2022 Click Here
Official Website Click Here
PM-JAY Hospital Performance Click Here
PMJAY De-empaneled Hospitals Click Here
Hospital Empanelment Module Click Here
Health Benefit Packages Click Here
Claim Adjudication Click Here
State/UTs at a Glance Click Here

Additionally, PMJAY has no waiting period for pre-existing illnesses. This service comes under a larger umbrella scheme of Ayushman Bharat Yojana. So, in case you or any of your loved ones need immediate medical assistance, you do not have to worry about the expenses incurred. However, make sure that the individual seeking treatment is admitted to a network government or private hospital.

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