Under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), which is being implemented by the National Health Authority (NHA) in partnership with state governments, a health cover of up to what amount per family per year for secondary and tertiary care hospitalisation is being provided, as on August 2022?

Correct option is A

The correct answer is (a) Rs. 5 lakhs.

Explanation:

• The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is a flagship health insurance scheme launched by the Government of India in 2018. It aims to provide accessible and affordable healthcare services to the economically vulnerable sections of society.
• Under AB-PMJAY, the National Health Authority (NHA) is responsible for implementing the scheme in partnership with state governments. The scheme primarily focuses on providing secondary and tertiary care hospitalisation for families in need.
• As of August 2022, the health cover provided under the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana is up to Rs. 5 lakh per family per year. This coverage ensures that families in the lowest income brackets are protected from financial strain caused by health-related expenses, particularly in cases of hospitalization.
  

Information Booster:

Key Features of the Ayushman Bharat PMJAY:

• Health Insurance Cover: The scheme offers health insurance of up to Rs. 5 lakhs per family per year for secondary and tertiary care hospitalisation. This is the largest health insurance scheme globally in terms of coverage.
• Target Group: It is targeted primarily at the economically disadvantaged families, particularly those in the bottom 40% of India's population, as identified by the Socio-Economic Caste Census (SECC) of 2011.
• Cashless Treatment: Beneficiaries can avail cashless treatment at any of the empanelled hospitals across India. This eliminates the need for upfront payment, thus making healthcare more accessible to the poor.
• Coverage: The scheme covers a wide range of medical conditions, including pre-existing conditions, surgery, diagnostics, and treatment for major illnesses like cancer, heart disease, and kidney disorders.
• Beneficiaries: As of August 2022, over 10 crore families are beneficiaries of this scheme, providing protection to around 50 crore people across the country.
• Partnership with States: The scheme is being implemented by state governments in collaboration with the NHA, with each state customizing the scheme as per local needs.