PMJAY - AYUSHMAN BHARAT - PRADHAN MANTRI JAN AROGYA YOJANA
PM-JAY has been rolled out for the bottom 40% of poor and vulnerable population. The households included are based on the deprivation and occupational criteria of Socio-Economic Caste existing Rashtriya Swasthya Bima Yojana (RSBY), launched in 2008. Therefore, the coverage mentioned under PM-JAY also includes families that were covered in RSBY but were not present in the SECC 2011 database. PM-JAY is completely funded by the Government, and cost of implementation is shared between Central and State Governments.
Base on smart cards To recognise legitimate citizens of a PMJAY cards are issued. PM-JAY is completely funded by the Government, and cost of implementation is shared between Central and State Governments.
Key Features of PMJAY:
- • PM-JAY provides cover of Rs. 5 lakhs per family per year, for secondary and tertiary care hospitalization across public and private empaneled hospitals in India.
- • Over 10.74 crore poor and vulnerable entitled families (approximately 50 crore beneficiaries) are eligible for these benefits.
- • PM-JAY provides cashless access to health care services(Indoor) for the beneficiary at the point of service, that is, the hospital.
- • PM-JAY will help reduce catastrophic expenditure for hospitalizations, which pushes 6 crore people into poverty each year, and will help mitigate the financial risk arising out of catastrophic health episodes.
- • No restrictions on family size, age or gender.
- • All pre–existing conditions are covered from day one.
- • Benefits of the scheme are portable across the country i.e. a beneficiary can visit any empanelled public or private hospital for cashless treatment.
- • Public hospitals are reimbursed for the healthcare services at par with the private hospitals.
