Ayushmaan Bharat Yojana also known as Pradhan Mantri Jan Arogya Yojana (PMJAY) is a flagship scheme from the Government of India. It aims to make healthcare accessible and affordable for all. PMJAY was launched in 2018 addressing the health needs of over 50 crore beneficiaries. It provides them with a safety net against the financial risks of medical emergencies. Here are a few key points about the program:
- Universal Health Coverage: Offers free and cashless services at the point of service in public and impaneled private hospitals.
- Financial Protection: Covers up to ₹5 lakh per family per year for secondary and tertiary care hospitalization.
- Wide Network: Includes over 10,000 hospitals across India, both public and private.
Why In News
Recently, Ayushmaan Bharat Yojana has grabbed attention due to its significant impact during the COVID-19 pandemic, helping millions receive timely medical care without the burden of costs. It has also been in the news for its expansion plans to include more hospitals and increase the range of services covered under the scheme.
What is Pradhan Mantri Jan Arogya Yojana (PMJAY)?
Pradhan Mantri Jan Arogya Yojana (PMJAY) is a critical component of the Ayushmaan Bharat Yojana. It directly addresses the healthcare needs of the poor and vulnerable, providing them with:
- Eligibility Criteria: Coverage for the bottom 40% of the population based on socio-economic and caste census data.
- Health Services: Includes more than 1,350 medical packages covering surgery, medical and daycare treatments, diagnostics, and medications.
This initiative ensures that the lower socio-economic groups receive adequate medical treatment without financial distress.
About Ayushmaan Bharat Scheme and PMJAY Card
The Ayushmaan Bharat Scheme, together with the PMJAY card, forms the backbone of this health initiative. The PMJAY card allows beneficiaries to:
- Access Treatment: Show the card at any empaneled hospital across the country to receive treatment without upfront payments.
- Verify Identity and Eligibility: Each card is linked to a beneficiary’s Aadhaar card to ensure transparency and prevent fraud.
The scheme emphasizes preventive healthcare while also offering post-hospitalization coverage, drastically reducing out-of-pocket expenses for the poorest households.
PMJAY Rural
In rural areas, the PMJAY scheme is particularly transformative, offering:
- Tailored Health Services: Focuses on prevalent diseases and health issues specific to rural demographics.
- Community Outreach: Involvement of ASHA (Accredited Social Health Activist) workers who help the rural population understand and access the scheme’s benefits.
Health camps and mobile medical units are also frequently organized under PMJAY to increase healthcare outreach in remote areas, ensuring that no beneficiary is left out due to geographical barriers.
PMJAY Urban
For urban areas, PMJAY adapts to address the unique challenges faced by urban populations:
- Higher Disease Burden: Focuses on lifestyle diseases that are more prevalent in urban settings.
- Network of Hospitals: A greater number of empaneled private hospitals to cater to the dense populations.
The urban component of PMJAY also works closely with state health authorities to integrate municipal health services. Thus, creating a seamless network that benefits the urban poor.
What is Covered in Ayushmaan Bharat Yojana Scheme/PMJAY?
Ayushmaan Bharat Yojana covers a comprehensive list of medical services which include:
- Hospitalization Expenses: All related expenses like bed charges, doctor fees, and surgical procedures.
- Pre and Post Hospitalization: Expenses for diagnostics before admission and medications after discharge are covered to ensure complete care.
- Daycare Treatments: Many treatments that do not require 24-hour hospitalization are also covered.
The scheme continuously updates its list of covered services and treatments to include advanced medical technologies and new therapeutic practices, making it a dynamic and responsive healthcare system.
The Ayushmaan Bharat Yojana represents a monumental step towards achieving health equity in India, ensuring that every citizen has the dignity of quality health services without the burden of financial hardship.
