The 71st round of survey by the National Sample Survey Organization (NSSO) revealed that 85.9 percent of rural households and 82 percent of the urban household don’t have access to Health/Medical Insurance. To address this national predicament, Prime Minister Narendra Modi launched the Pradhan Mantri Jan Arogya Yojana or PMJAY on September 25th 2018 as a Health Insurance initiative for the less privileged population of the country. PMJAY or popularly known as ayushman bharat scheme, is the world’s largest government-funded healthcare scheme covering over 10 crore beneficiaries in India.
Here’s everything you need to know about the Pradhan Mantri Jan Arogya Yojana:
- Healthcare cover of Rs. 5 Lakhs per family
- All Families Listed in SECC Database Will Be Covered
- All-Inclusive coverage
- Includes Secondary and Tertiary Care
- Pre-existing diseases covered
- Cashless payment and paperless registration
Features and Benefits of PMJAY
Healthcare cover of Rs. 5 Lakh per family
The PMJAY scheme provides a health cover of Rs. 5 Lakh for families living below the poverty line. The health cover is completely free as the annual health insurance premiums are being footed by the central and state governments in 60: 40 ratio.
All Families Listed in SECC Database Will Be Covered
The beneficiaries for the PMJAY scheme are chosen from the Socio-Economic Caste Census. Hence, the scheme benefits around 8 crore families from rural areas and 2 crore families residing in urban ones.
The PMJAY scheme covers all family members irrespective of their age and gender as this health cover is meant to be all-inclusive. Moreover, the scheme holds women, children, especially the girl child, and senior citizens in special regard.
Includes Secondary and Tertiary Care
The scheme also provides secondary healthcare benefits like consultations from specialists, for those who need it. Moreover, tertiary care like advanced medical treatment for cancer and cardiac surgery is also covered.
Pre-existing diseases covered
Pre-existing illnesses are also covered under the PMJAY scheme, which means that those who require medical care cannot be turned away for any reason.
Cashless payment and paperless registration
Under PMJAY, the entire process from registration to payment is going to be cashless and paperless.
The Indian Government also encourages retirement planning through investing in the National Pension Scheme. Open your NPS account at Finserv MARKETS today.
How to avail benefits under the AB-PMJAY Scheme?
To avail benefits under the PMJAY scheme, head to the official website and check the Ayushman Bharat registration details. Look for your eligibility online or call on the toll-free helpline number 14555 to know more. The beneficiaries are identified based on the deprivation categories (D1, D2, D3, D4, D5, and D7).
For the urban areas, the 11 occupational criteria will determine the entitlement.If your name is on the list of beneficiaries, all you need to do is carry the prescribed ID to be able to obtain free treatment in any registered private or public hospital. Download the Finserv MARKETS’ Health Insurance App to know more about Ayushman Bharat Scheme
When completely implemented, PMJAY healthcare scheme will become the world’s largest fully government-financed health programme. The ayushman bharat scheme is a visionary step towards improving the standard of living of the common Indian man.
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