Ayushman Bharat Yojana: Unveiling the top 10 benefits

Witnessing the skyrocketing medical healthcare costs, we can easily infer that medical health insurance is a necessity. The awareness regarding the importance of possessing health insurance is gradually increasing and so is the popularity of health insurance. The market is currently loaded with multiple health policy providers including Zurich Kotak General Insurance. However, one of the biggest health insurance schemes in the world is the Ayushman Bharat Yojana. It is currently known as Pradhan Mantri Jan Arogya Yojana or PMJAY.

What is PMJAY?

This is a premium healthcare scheme launched by the Government of India to offer health insurance coverage for the economically weaker sections of society. This is one of the biggest healthcare programs funded by any government and was launched back in September 2018.

It offers cashless healthcare benefits up to INR 5 lakhs per eligible family each year. You can avail of these benefits from any designated healthcare providers and impanelled hospitals throughout the country. This is one of the most significant health insurance schemes worldwide as it covers nearly 50 crore people in the country.

What is Ayushman Bharat health card?

The national health authority issues the Ayushman Bharat health card or the ABHA card, which offers a wide network of healthcare facilities including both public and private hospitals throughout the country. First Ayushman card registration is essential under the Ayushman Bharat scheme to avail of its benefits.

Top 10 benefits of PMJAY

On completing Ayushman Bharat registration, the top 10 benefits that you can avail of under this scheme are:

1. Healthcare coverage worth up to INR 5 lakh/family: This scheme offers healthcare coverage of up to INR 5 lakhs/ family every year belonging below the poverty line.

2. Coverage for all under the SECC database: The beneficiaries of this scheme have been selected from the SECC of 2011. It comprises nearly 10 crore families in the country.

3. Prioritising the females: This scheme prioritises the senior citizens, girl children and women. There is no cap on the family size and age.

4. Includes both secondary and tertiary care: This scheme allows secondary healthcare benefits as well as advanced medical care like cardiac surgery and cancer treatments.

5. PEDs covered: PMJAY allows coverage for PEDs and makes the treatment compulsory in all public healthcare facilities.

6. Cashless and paperless registration: PMJAY keeps the registration procedure simple with user-friendly administration and management.

7. Reduced OUP expenses: No impanelled healthcare facilities can charge any additional charges from the registered PMJAY beneficiaries.

8. Private sector participation: Because of such a massive scale, this scheme will buy services from private healthcare providers to encourage the production of advanced healthcare drugs and equipment at reasonable rates.

9. Improved lifestyle: One of the highlighting issues of this scheme is to improve the average lifestyle of the countrymen.

10. Improved health insurance network: PMJAY is targeted to improve the infrastructural development in all under-served and rural locations in the country, offering better accessibility to standard healthcare facilities.

Conclusion

We have highlighted the importance and benefits of PMJAY. You can consider its prospects before proceeding.

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