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Home Law & Policy

Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)

February 5, 2021
in Law & Policy
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Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
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In News: India takes a giant leap towards providing accessible and affordable healthcare to the common man with the launch of Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) by the Prime Minister, Shri Narendra Modi on 23rd September, 2018 at Ranchi, Jharkhand.

About AB-PMJAY

  • Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is a Centrally Sponsored Scheme having central sector components under Ayushman Bharat Mission anchored in the Ministry of Health and Family Welfare (MoHFW). 
  • Implementation by: National Health Authority (NHA)
  • This is the “world’s largest government funded healthcare program” targeting more than 50 crore beneficiaries.

Benefits Under The Scheme:

  • Ayushman Bharat- Pradhan Mantri Jan ArogyaYojana (PMJAY) will provide a cover of up to Rs. 5 lakhs per family per year, for secondary and tertiary care hospitalization.
  • Over 10.74 crore vulnerable entitled families (approximately 50 crore beneficiaries) will be eligible for these benefits.
  • PMJAY will provide cashless and paperless access to services for the beneficiary at the point of service.
  • PMJAY will help reduce catastrophic expenditure for hospitalizations, which impoverishes people and will help mitigate the financial risk arising out of catastrophic health episodes.
  • Entitled families will be able to use the quality health services they need without facing financial hardships.
  • When fully implemented, PMJAY will become the world’s largest fully government-financed health protection scheme. It is a visionary step towards advancing the agenda of Universal Health Coverage (UHC).

Ayushman Bharat Programme

  • The Ayushman Bharat programme was launched in 2018 to address health issues at all levels – primary, secondary, and tertiary. 
  • It has two components:
    • Pradhan Mantri Jan Arogya Yojana (PM-JAY), earlier known as the National Health Protection Scheme (NHPS)
    • Health and Wellness Centres (HWCs)
  • Ayushman Bharat is an integrated approach comprising health insurance and primary, secondary and tertiary healthcare. 
  • The HWCs are aimed at improving access to cheap and quality healthcare services at the primary level. 
  • PM-JAY will cover the financial protection for availing healthcare services at the secondary and tertiary levels.
  • Ayushman Bharat is the largest government-funded healthcare programme in the world with over 50 crore beneficiaries. 

Need for Ayushman Bharat

  • The 71st round of the National Sample Survey Office (NSSO) revealed many grim numbers about the country’s healthcare system.
    • About 86% of rural households and 82% of urban households do not have access to healthcare insurance.
    • Over 17% of the country’s population spend a minimum of 1/10th of their household budgets on availing health services.
    • Unexpected and serious healthcare problems often lead families to debt.
    • Over 19% and over 24% of the urban and rural households respectively meet their healthcare financial needs through borrowings.
  • To address these grave concerns, the government, under the National Health Policy 2017, launched the Ayushman Bharat programme along with its two sub-missions, PMJAY and HWCs.
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Source: PIB
Tags: PIBPrelims

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