Ayushman Bharat Yojana, also referred to as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a scheme that aims to assist economically vulnerable Indians who are in need of healthcare facilities.
The Ayushman Bharat Yojana – National Health Protection Scheme, which has now been renamed as Pradhan Mantri Jan Arogya Yojana, plans to form secondary and tertiary healthcare completely cashless.
The PM Jan Arogya Yojana beneficiaries get an e-card which will be wont to avail services at an impaneled hospital, public or private, anywhere within the country. With it, you’ll walk into a hospital and acquire cashless treatment.
The coverage includes 3 days of pre-hospitalization and 15 days of post-hospitalization expenses.
• Ayushman Bharat – National Health Protection Mission will have an outlined benefit cover of Rs. 5 lakh per family per annum.
• Benefits of the scheme are portable across the country and a beneficiary covered under the scheme is going to be allowed to require cashless benefits from any public/private impaneled hospitals across the country.
• Ayushman Bharat – National Health Protection Mission is going to be an entitlement based scheme with entitlement selected the idea of deprivation criteria within the SECC database.
• To control costs, the payments for treatment are going to be done on package rate (to be defined by the govt in advance) basis.
• One of the core principles of Ayushman Bharat – National Health Protection Mission is to co-operative federalism and adaptability to states.
• States would wish to possess the State Health Agency (SHA) to implement the scheme.
• In partnership with NITI Aayog, a robust, modular, scalable, and interoperable IT platform is going to be made operational which can entail a paperless, cashless transaction.
1. At the national level to manage, an Ayushman Bharat National Health Protection Mission Agency (AB-NHPMA) would be put in situ. States/ UTs would be advised to implement the scheme by a fanatical entity called the State Health Agency (SHA)
2. They will either use an existing Trust/ Society/ Not for Profit Company/ State Nodal Agency (SNA) or found out a replacement entity to implement the scheme.
3. States/ UTs can plan to implement the scheme through an insurance firm or directly through the Trust/ Society or use an integrated model.
4. Increased benefit cover to just about 40% of the population.
5. Covering most secondary and lots of tertiary hospitalizations. (except a negative list)
6. Coverage of 5 lakh for every family, (no restriction of family size)
This will cause increased access to quality health and drugs.
7. Additionally, the unmet needs of the population which remained hidden thanks to lack of monetary resources are going to be catered to.
8. This may cause timely treatments, improvements in health outcomes, patient satisfaction, improvement in productivity and efficiency, job creation thus resulting in improvement in the quality of life.
In the rural areas, the PMJAY health cover is out there:
• 1) Those living in scheduled caste and scheduled tribe households
• 2) Beggars and people surviving on alms
• 3) Families with no individuals aged between 16 and 59 years
• 4) Families having a minimum of one physically challenged member and no able-bodied adult member
• 5) Primitive tribal communities
• 6) Legally released bonded laborers
• 7) Families living in one-room makeshift houses with no proper walls or roof
• 8) Manual scavenger families
In the urban areas, those that can avail of the government-sponsored scheme consist mainly of:
• 1. Washerman/chowkidars
• 2. Rag-pickers
• 3. Mechanics, electricians, repair workers
• 4. domestic
• 5. Sanitation workers, gardeners, sweepers
• 6. Home-based artisans or handicraft workers, tailors
• 7. Cobblers, hawkers et al. providing services by performing on streets or pavements
•8. Transport workers like drivers, conductors, helpers, cart or rickshaw pullers
• 9. Assistants, peons in small establishments, delivery boys, shopkeepers, and waiters.
Ayushman Bharat Registration: The way to Apply for Ayushman Bharat Yojana (Application Process)
There is no special Ayushman Bharat registration procedure concerning PMJAY.
This is often because PMJAY applies to all or any beneficiaries as identified by the SECC 2011 and people who are already a part of the RSBY scheme.
However, here’s how you’ll check if you’re eligible to be a beneficiary of PMJAY.
• Visit https://www.pmjay.gov.in/ and click on on ‘Am I Eligible’
• Enter your mobile number and therefore the CAPTCHA code and click on on ‘Generate OTP’
• Then select your state and search by name/ HHD number/ card number/ mobile number
• Based on the search results you’ll verify if your family is roofed under PMJAY