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Ayushman Bharat- PM Jan Arogya Yojana


AB-PMJAY: What is it?

  • Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is a Centrally Sponsored Scheme under Ministry of Health and Family Welfare (MoHFW).
  • It is an umbrella of two major health initiatives, namely
    • Health and wellness Centres and
    • National Health Protection Scheme.


Health and wellness Centres

  • Under this component, 5 lakh existing health sub centres will be referred as Health and wellness centres and their primary responsibility will be to bring health care system closer to the people.
  • These centres will provide comprehensive health care, including for non-communicable diseases and maternal and child health services.


National Health Protection Mission

  • This component will cover over 10 crore poor and vulnerable families (approximately 50 crore beneficiaries).
  • Ayushman Bharat – National Health Protection Mission has subsumed two centrally sponsored schemes – Rashtriya Swasthya Bima Yojana (RSBY) and the Senior Citizen Health Insurance Scheme (SCHIS).


AB-PMJAY benefits

  • AB-PMJAY provides a cover of 5 lakh per family per year for almost all secondary care and most of tertiary care procedures.
  • There is no cap on family size and age in the scheme to ensure that nobody is left out (especially women, children and elderly).
  • The benefit cover will also include pre and post-hospitalisation
    • A defined transport allowance per hospitalization will also be paid to the beneficiary.
  • Benefits of the scheme are portable across the country and a beneficiary covered under the scheme will be allowed to take cashless benefits from any public/private empanelled hospitals across the country.
  • The beneficiaries can avail benefits in both public and empanelled private facilities.
  • Hospitals belonging to Employee State Insurance Corporation (ESIC) may also be empanelled based on the bed occupancy ratio parameter.
  • To control costs, the payments for treatment will be done on package rate (to be defined by the Government in advance) basis.


AB-PMJAY eligibility

  • The beneficiaries will be selected on the basis of SECC (Socio-Economic Caste Census) data.


Pradhan Mantri Suraksha Beema Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Beema Yojana (PMJJBY)

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