Many health insurance programs introduced by the Indian government focus on affordable healthcare for economically weak people around the country. Janani Suraksha Yojana is a key program dedicated to improving maternal and neonatal health across India.
What is Janani Suraksha Yojana (JSY)?
The Janani Suraksha Yojana was launched in April 2005. This scheme comes under the National Rural Health Mission (NRHM). JSY primarily focuses on the healthcare of pregnant women living in economically backward conditions. The main aim of the JSY scheme is to encourage institutional delivery among poor pregnant women, thereby reducing maternal and neonatal mortality. All states, especially low-performing states and union territories, benefit from the JSY program.
Features of JSY scheme
Here are the features of the JSY scheme:
- Launched under the National Health Mission, the JSY scheme mainly focuses on promoting institutional delivery among pregnant women who live in economically disadvantaged conditions.
- The prime goal of the JSY scheme is to reduce pregnancy and delivery complications.
- JSY provides good support to neonatal health.
- The JSY works across all states in India. Depending on the inequality in healthcare infrastructure, states are categorised as low-performing and high-performing (LPS and HPS) states.
- Accredited Social Health Activist (ASHA) works as a connecting link between pregnant women and the government. ASHA workers reach out to villages to meet every pregnant woman and understand their needs and emergencies.
- The coverage includes postnatal care, antenatal checkups and emergency obstetric service.
- The JSY insurance scheme provides all kinds of cash coverage related to pregnancy and aftercare.
Janani Suraksha Yojana benefits
Primarily focused on the health benefits of pregnant women, Janani Suraksha Yojana empowers women to opt for institutional delivery. The benefits include:
- Coverage for pregnancy-related expenses.
- Complete coverage for delivery and other expenses.
- Prenatal and postnatal care.
- Assistance for breastfeeding mothers and newborn child care.
- Janani Suraksha Yojana benefits include cash assistance for mothers who live in unprivileged circumstances.
- The JSY program focuses on low-performing states and provides higher cash assistance.
- The main goal of implementing such facilities is to reduce the rate of maternal mortality among pregnant women in rural areas.
- All the expenses are cashless, and the government directly reimburses the Janani Suraksha Yojana amount.
Eligibility criteria of JSY Yojana
To apply for the JSY yojana healthcare scheme, you must meet the eligibility criteria for the Janani Suraksha Yojana. Below listed are the Janani Suraksha Yojana eligibility:
- A pregnant woman must be above 19 when applying for the JSY program.
- One can avail of JSY scheme benefits for up to two deliveries.
- Cash benefits vary according to low or high-performing states and rural or urban areas.
- Pregnant women who come under BPL or who deliver in government or accredited private hospitals are also eligible.
- The JSY program is applicable for normal deliveries.
- You must apply early in pregnancy to get all the facilities available.
- JSY Yojana encourages one-time registration only.
- Pregnant women who work in the government sector have separate healthcare facilities through their employers. In such a scenario, you need to check the eligibility criteria with the authorities.
How do you apply online for Janani Suraksha Yojana?
Janani Suraksha Yojana online registration is simple. You can do it online and offline. Go through the details below to learn how to apply Janani Suraksha Yojana online:
- You can apply through the JSY official website, as many states accept Janani Suraksha Yojana Apply online
- For that, you can visit JSY's official web portal.
- Fill out the form and upload the necessary documents as per instructions.
Documents required for JSY registration
The following are the list of documents required:
- PAN, Aadhaar card
- BPL card, Discharge slip and birth certificate after delivery and
- Caste certificate
- Voter ID
- Photo ID( if applicable).
FAQs
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How much Janani Suraksha Yojana amount can a pregnant woman get from the scheme?
For delivery, a pregnant woman from an urban area gets INR 1000, while a pregnant woman from a rural area can get INR 1400.
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How to do offline registration for the JSY scheme?
To register for JSY offline, visit the nearest health care centre or Anganwadi and submit the necessary documents.
Conclusion
Health Insurance plans are essential for protecting families from various medical expenses. Policies like JSY promote institutional healthcare and set a standard for public healthcare. You can also opt for the best health insurance for parents and loved ones by checking all the available features.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.