Pradhan Mantri Jan Arogya Yojana (PMJAY), popularly known as Ayushman Bharat Yojana Scheme, is the flagship scheme of the Government of India. It was launched by the National Health Policy in 2017 to cater to the underprivileged and the weaker sections of society who need healthcare facilities.
Ayushman Bharat Yojana Scheme was rolled out by Prime Minister Shri Narendra Modi on September 23, 2018. The health scheme aims to provide secondary and tertiary healthcare coverage; it is a cashless scheme for the underprivileged sections of society covering 50 crore citizens of India.
Know about the Ayushman Bharat Health Scheme
So, what is the Ayushman Bharat Health Scheme? To unlock its answer, let’s read about its benefits.
- Ayushman Bharat - National Health Protection Mission will provide a cover of up to Rs 5 lakh per family per year, irrespective of family size, age, and gender, for secondary and tertiary care hospitalisation.
- This scheme is eligible across the country with the provision of cashless transfers in any public/private impanelled hospitals nationwide.
- Ayushman Bharat - National Health Protection Mission involves 1400 procedures covering all the costs related to treatment, including medicines, diagnostic tests, and pre- and post-hospitalisation expenses.
- This scheme covers pre-hospitalisation expenses for up to 4 days and post-hospitalisation expenditures for up to 15 days.
- The Ayushman Bharat Scheme will be an entitlement-based scheme that claims to provide allowances based on deprivation criteria in the SECC (i.e., the Socio-Economic Caste Census) database.
- To control the cost of treatment, the payments and transfer of funds will be made based on the package rate defined by the government on an advance basis.
- One of the main principles of the Ayushman Bharat Scheme is to maintain cooperative federalism and flexibility between the States; the Ayushman Bharat National Health Protection Mission Council (AB-NHPMC) at the apex level is Chaired by the Union Health and Family Welfare Minister to give policy direction and maintaining coordination between the Centre and States.
- All the States of India should have a State Health Agency (SHA) to implement the Ayushman Bharat scheme to ensure fund transfers from the Central Government to the SHA on time via escrow account directly.
Conclusion
The AB-PMJAY Scheme is a paradigm shift with a sectorial, segmented and fragmented approach to providing quality healthcare service. This health insurance plan offers coverage for daycare procedures, pre-existing diseases, and more than 1350 medical packages at impanelled private and government hospitals. The scheme aims to provide more comprehensive coverage of healthcare services for the underprivileged sections of society.
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