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10 Benefits Of The PMJAY Ayushman Bharat Yojana That Every Indian Should Know

  • Highlights

  • PMJAY aims to provide healthcare for poor people

  • It will provide a cover of Rs.5 lakh per family per annum

  • It is aimed to benefit 50 crore beneficiaries in India

  • It covers secondary and tertiary healthcare

The Ayushman Bharat Yojana, now called the Pradhan Mantri Jan Arogya Yojana (PMJAY), aims to be one of the world’s largest health insurance schemes after it is fully implemented.

Here are the primary 10 benefits that the PMJAY scheme brings to the vulnerable sections of society as well as to the country’s healthcare landscape on the whole.

1. Healthcare cover of Rs.5 lakh per family:

Launched in September by Prime Minister Narendra Modi, the Ayushman Bharat Yojana aims to cater to 50 crore beneficiaries. It has a provision for a health cover of Rs.5 lakh for families living below the poverty line. The health cover itself is totally free with the annual premiums being footed by the central and state governments in a 60: 40 ratio.

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2. All families listed in SECC database to be covered:

Beneficiaries for the scheme are picked up from the Socio Economic Caste Census of 2011. These 10 crore beneficiary families comprise of 8 crore families from the rural areas and 2 crore families residing in urban India.

3. Priority to girl child, women and senior citizens:

There is no cap on the family size and age as this health cover is meant to be inclusive for all. Moreover, the scheme holds women, children, especially the girl child, and those over 60 in special regard.

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4. It includes secondary and tertiary care:

The scheme provides those in need to get secondary healthcare benefits provided by specialists like cardiologists and urologists. Moreover, advanced medical treatment like that for cancer, cardiac surgery and other is also covered.

5. All pre-existing diseases covered:

Unlike most other insurance covers, the PMJAY secures those who have pre-existing illnesses, and makes treatment in all public hospitals mandatory. This means that those who require medical care cannot be turned away.

6. Cashless and paperless registration and administration:

Removing the burden of out-of-pocket expenses, PMJAY aims to make the entire process of paying for healthcare cashless. Additionally, PMJAY beneficiaries can avail treatment throughout India.

7. Substantial reduction of out-of-pocket expenditure:

All public hospitals and empaneled private hospitals have been directed to not charge any extra payment for medical care from all PMJAY beneficiaries to reduce any corruption or delay in services.

8. Private sector participation to help in achievement of public health goals:

Since the scheme covers such a large population, it will be purchasing services from private healthcare providers. This scheme is also expected to encourage the production of more affordable healthcare equipment and drugs.

9. Improvement of quality of life of the population:

This scheme is sure to improve the quality of life of the weaker sections of society who are held back drastically due to health issues that can easily be tackled with timely care and finances.

10. Broadening the health insurance network:

PMJAY will not only lead to better infrastructure development in rural and under-served areas across the country, but also lead to more and more Indians having access to healthcare. As of now the government has created 1350 medical packages that cover day care treatment, surgery, hospitalization, cost of diagnosis and medicines with the PMJAY health cover.

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