A Research paper on Ayushman Bharat Yojana

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.