Pradhan-Mantri Jan Arogya
Ayushman Bharat Yojana or Pradhan-Mantri jan Arogya yojana is a universal Health Insurance Scheme
of the ministry of Health and family welfare government of India. PM-JAY aims to providing a health cover of
Rs. 5 lakh to poor and low income earners in the country. This covers a majority of diagnostics
medicines pre-hospitalisation costs and medical treatment expenses.
It was launched in september 2018 by the ministry of Health and family welfare. It is a centrally sponsored
scheme and is jointly funded by both the union government and the states by offering services to 50 crore
people.
1) Healthcare cover of Rs. 5 lakh per family:-
PM-JAY provides a health cover of Rs. 5 lakh per family living below the poverty line. The health
cover is free as the central and state government pay the annual premiums in a 60:40 ratio
2) All families listed in the SECC database to be covered:-
Beneficiaries for the scheme are picked up from the socio economic caste census(SECC) of 2011.
3) Priority to the girl child, women and senior citizens :-
There is no cap on the family size and age as this health cover is inclusive for all.
4) Includes secondary and tertiary care:-
The scheme provide advanced medical treatment like : cancer, cardiac surgery and other.
5) All pre existing disease covered:-
The PM-JAY covers pre-existing illness and mandatory treatment in all public Hospitals.
6) Cashless and Paperless Registration:-
PM-JAY provide the entire process of paying for healthcare cashless.
7) Substantial reduction of out of pocket expenditure
All public and empanelled private hospitals have been directed to not charge any extra payment for
medical care from all PM-JAY beneficiaries to reduce any corruption or delay in services.
8) Improvement of quality of life of the population
PM-JAY ensures that people with low income, or weaker section of the society, get timely care and
finances to tackle their health issues
9) Private sector participation in helping to achieve public health goal:-
Since the scheme covers such a large population, so it will be purchasing services from private healthcare provider
10) Broadening the health Insurance network:-
PM-JAY will lead to better infrastructure development in rural and urban areas across the country.
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