Health Insurance 8819 views January 8, 2020

Ayushman Bharat Yojana

Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a central government health insurance scheme that aims to offer cashless health insurance to every Indian in a smooth and effortless manner. The Yojana was launched by the Prime Minister of India, Mr Narender Modi in 2018. In this article, we discuss the features and benefits of this Yojana and tell you why the Ayushman Bharat Yojana is a helpful scheme for the people of India. Take a look.

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Features of Ayushman Bharat Yojana

Let us begin by understanding the features of the Ayushman Bharat scheme:

1. Greater Coverage – The other, older health insurance schemes in India such as the Aam Aadmi Bima Yojana and the Universal Health Insurance Scheme offered small sums insured, that were limited to just about Rs 30,000 for the whole family. These covers were paltry and highly insufficient for most. The coverage available under the Ayushman Bharat Yojana is Rs 5 lac for each family for each year. This is a huge increase and has worked well to ensure smooth health insurance for everyone.

2. Cashless Facility – The scheme offers cashless hospitalisation to everyone. The insured person needs to get enrolled in the program and then get the e-card from any of the registered Ayushman Bharat centres. The e-card is the only document needed to make use of this scheme. The individual simply needs to flash his card at the hospital and get discharged without having to pay anything.

3. Available to Rural and Urban Population – The scheme is not limited to any part of the country. This means it is available to the rural as well as urban population. The only criterion for qualification is the income of the family, as the Yojana has mainly been designed to help the poorer sections of the society. So people who live below the poverty line can easily get enrolled in this scheme and make use of the health insurance cover that is on offer.

4. Treatment at All Hospitals – The striking feature of the scheme is that almost every hospital in the country has been empanelled and accepts the Ayushman Bharat e-cards. A scheme holder can thus get treated at practically any hospital in the country. There are pre-decided packages available for all treatments, so the insured needs to check it out before receiving treatment.

5. Shared Contribution – The financial contribution needed for the financing of the scheme is shared between the state government and the central government. The funds raised are aimed to cover over 10 crore people living in financially challenging circumstances around the country.

These are the standout features of the Ayushman Bharat Yojana. As you can understand, these features indeed make this scheme a very effective health insurance scheme.

Benefits of Ayushman Bharat

Now let us explore the benefits of this scheme:

1. Increase in Cover – As discussed, the increase in the coverage amount from Rs 30,000 to Rs 5 lacs is a major benefit. Rs 5 lac is a large amount and sufficient to help people stay fit and healthy.

2. No Documentation – Another huge benefit of this scheme is that the insured does not need to present any documents when getting treated. All they need to carry is the e-card. This makes it simple and less intimidating for the people and they use the scheme more freely.

3. Health Care for Everyone – The health insurance scheme aims to cover all Indians who may not be able to afford private health insurance plans. With this, the government ensures everyone has health insurance as that is one of the most important requirements of life.

4. Hospital Cover – The Ayushman Bharat Yojana offers coverage for all expenses related to in-patient care. Whether the hospitalisation happens due to an illness, accident or surgery, the e-card can be used to seek the required treatment. A pre and a post-hospital cover are available too. This ensures a wholesome treatment for the insured persons.

5. Cover for Pre-Existing Diseases – The pre-existing illnesses are covered from the very first day of the Ayushman Bharat Yojana. This is tremendously beneficial and a very credible feature as well. Many people suffer due to these conditions and having full coverage helps them to stay healthy at all times.

As you can guess, these benefits make the Ayushman Bharat Yojana one of the best health insurance schemes the country has seen in a long time.

In conclusion

The Ayushman Bharat Yojana is a basic health scheme aimed to offer affordable and comprehensive health care to the people who need it the most but are otherwise unable to afford health insurance. With the introduction of this Yojana, everyone can get treated at the best hospitals and enjoy good health at all times, without having to worry about spending money from their own pockets. Many people are already using this scheme and the government hopes even more people will get enrolled in the days to come.

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