Important Update (Dated May 30, 2024) – Good news for Health Insurance policyholders! According to the Master Circular on Health Insurance Business 29052024 rolled out on May 29, 2024 by IRDAI, insurers are to decide on the request for cashless claims within 1 hour of receiving the request. Also, the final claim is to be granted within 3 hours after the policyholder’s discharge from the hospital. Insurers have been directed by IRDAI to establish necessary systems and procedures for this process by July 31, 2024.
The Master Circular on Health Insurance Business 29052024 circular is available here - https://irdai.gov.in/document-detail?documentId=4942918
Gone are the days when the poor population of India could no longer healthcare facilities. The introduction of the Pradhan Mantri Jan Arogya Yojana (PMJAY) under the Ayushman Bharat Yojana has made the lives of the needy ten times easier. Under PMJAY Scheme, the Government of India provides financial support to over 10.34 crore vulnerable Indian families. Moreover, every poor household is offered health insurance coverage of Rs.5 Lakh to cover their medical expenses.
The PMJAY Scheme has experienced success ever since its launch. Moreover, the implementation of the scheme has changed the lives of many families
Take a look at a few examples of how certain people from across the nation utilized the PMJAY Scheme to afford costlier services and treatments with ease:
1. Jharkhand
In Bokaro, a 40-year individual was suffering from severe spinal cord lesions. Since he/she failed to treat the disease due to lack of funds, it escalated to paralysis. However, the illness was cured with PMJAY Scheme in one of the wellness centres available in the Bokaro district of Jharkhand.
2. Maharashtra
In the Yavatmal district of Maharashtra, an old farmer has undergone expensive surgeries like biliary drainage procedure with stent placement. With PMJAY Scheme, every individual can easily avail costly surgical procedures free of cost. PMJAY Scheme allows cashless hospitalization at either public hospitals or impanelled private hospitals.
3. Assam
A 20-year-old young teen from the Karimganj district of Assam suffered from severe burns. The intensity of the burns made it impossible to ignore the treatments. The provision of quality services and cashless hospitalization helped the young adult to tackle the severe condition. The PMJAY Scheme curbs the problems of insufficient resources by providing the desired financial support in times of need.
To sum up, the PMJAY Scheme has multiplied its facilities to cover innumerable people in India. After its introduction, it has served more than 1,00,000 beneficiaries as well as released Rs. 150 crores to the hospitals. Over the due course of the scheme, 32 states and union territories have joined the Ayushman Bharat movement.
The Pradhan Mantri Jan Arogya Yojana is a quality health scheme for the betterment of the needy. You can check for Ayushman Bharat registration and eligibility on the official government website.
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