Abstract:
Ayushman Bharat Yojana, under the Ministry of
Health and Family Welfare was launched by
Government of India on 23 September 2018. The
world’s largest and most successful national
health protection scheme, the PRADHAN
MANTRI JAN AROGYA YOJANA
(PMJAY)was launched with secondary and
tertiary health care entirely cashless. The plan
comes with a minimum some assured of rupees 5
lakhs per family, per annum. Under the PMJAY
scheme, beneficiaries can avail the necessary
course of treatment along with 3 and 15 days or
pre and post hospitalization expenses.
A total of 10.74 crore families (approximately 50
crore beneficiaries) were selected to be covered
under the scheme. Of the 26 states for which data
was available, till 14 June 2018, a total of 11.97
crore households had been covered under either
PMJAY or state health insurance schemes. This
accounts for 68 per cent of the total families in
the state as per Census 2011.Of the total families
covered under any public health insurance
scheme, PMJAY accounted for the majority at
63 per cent.
PMJAY benefits include 1,350 medical packages
covering surgery, medical and day care
treatments, cost of medicines, and diagnostics.
Till 8 February 2019, a total of 10,34,943
individuals, accounting for 0.21 per cent of
eligible beneficiaries had been admitted to
hospital under PMJAY. The Health and
Wellness Centre initiative aims to transform 1.5
lakh Health Sub Centers (HSC) and Primary
Health Centers (PHCs) – the first point of
contact to primary healthcare - to Health and
Wellness Centers (HWCs) by 2022.
Beneficiaries can claim up to `5 lakh per year
under PMJAY. As on 18 June 2019, the average
amount claimed stood at `13,228. In FY 2018-
19, `1,200 crore was allocated for HWCs. This
increased by 33 per cent to `1,600 crore in FY
2019-20.
