Pradhan Mantri Jan Arogya Yojana was launched on 23rd September 2018 in Ranchi, Uttarakhand by the prime minister. It’s the largest health assurance scheme which helps to provide a health cover by providing the amount of 5 lakhs of rupees per family and per year. The scheme is fully funded by the central government and the cost of implementation is shared by both central and state governments.
There are approximately 50 crore beneficiaries of the scheme that forms 40% of India’s population. The households included in the scheme are based on deprivation and occupational criteria of the Socio-economic caste census of 2011 for both urban and rural areas. The scheme is for the welfare of the economically backward people of India related to the healthcare system
IMPORTANT FEATURES OF THE SCHEME
It’s the world’s largest health insurance scheme that is fully financed by the government.
It provides the cover of rupees 5 lakhs per family per year.
Tertiary and secondary care hospitalization across public and private hospitals of India.
Approx 10.74 crore families are beneficiaries who are eligible to apply for the scheme.
It provides cashless health services facilities to the beneficiaries at the time of service in the hospital.
There is no restriction on family size, age, and gender.
It is portable across the country.
Services include costs related to treatment, surgery charges, room charges, etc.
BENEFITS OF SCHEME [PRADHAN MANTRI JAN AROGYA YOJANA]
It provides cashless cover up to 5 lakhs of rupees.
It includes accommodation during hospitalization.
Pre and post-hospital costs.
Can be used by all family members
There is no restriction on age, gender, and size of the family.
Pre-existing conditions are included from day one itself.
ELIGIBILITY CRITERIA FOR THE SCHEME [PRADHAN MANTRI JAN AROGYA YOJANA]
Poor and economically weaker sections of society.
Households with one room only.
No adult members between the ages of 16 to 59 years.
Disabled member in the family
Schedule caste and tribes
The major source of income should be casual manual labor.
In urban areas, ragpickers, shop workers, mechanic, washermen, chowkidar, driver, transport worker, etc.
Also, read – Rashtriya Swasthya Bima Yojana: Enrollment Process
PROCEDURE TO APPLY ONLINE FOR THE SCHEME
1) Go to the official website of the government that is exclusively for this scheme.
2) Then, click on the option am I eligible.
3) Enter contact details and OTP will be generated.
4) Choose the state.
5) Then search by your name, mobile number, etc.
6) Then the result will let the applicant know if he is eligible or not.
DOCUMENTS REQUIRED FOR THE SCHEME
Identity and age proof i.e. Aadhaar card, pan card, etc.
Mobile number, email address, resident address
Documents that state current family status.
The PMJAY e-card will be given to the eligible beneficiary which should be downloaded by following the below-given steps-
- Visit the PMJAY website and login with the mobile number.
- Then, enter the captcha code for OTP generation.
- Choose the HDD code.
- Then provide HDD code to the common service center to check the HDD code and other details.
- Then, the common service center will complete the rest of the process left.
- Then, the amount of rupees 30 will be given to get the card.
Various medical packages under the scheme are Cardiology, Oncology, Neurology, etc.
OBJECTIVES OF THE SCHEME [PRADHAN MANTRI JAN AROGYA YOJANA]
• To cover the coverage of catastrophic illnesses.
• To reduce the out of pocket expenditure for illnesses.
• To bring improvement in the access to hospitalization care.
• To decrease the unmet needs of poor people.
• To converge various health insurance schemes across the states.
The scheme offers free access to healthcare services for over 40% of the people in the country. People using their own primary services from their family doctors. When additional care is required then this scheme provides free secondary healthcare for those people who require specialized treatment and tertiary treatment or health care for those people who require hospitalization. The program is part of the Union government scheme and also the part of the Indian government’s national health policy. The scheme is a poverty alleviation program as it includes people with low income.
The scheme offers a unique opportunity for improving the healthcare system in India and also improving the health of millions of people in India. It also eliminates a major source of poverty which affects the country. A sustainable contribution is made towards health care through this scheme. The access to various health services, types of services available, and financial protection to the people of India. The scheme presents the nation with the chance to tackle the long-term and embedded shortcomings in the governance, control on the quality, and to accelerate the progress of India towards achieving the goal of providing efficient and sustainable health services.