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Ayushman Bharat Pradhan Mantri Jan Arogya Yojana: Revolutionizing Healthcare Access in India

Why the Scheme is in News?

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) has achieved a significant milestone with 5 crore hospital admissions, totaling 61,501 crore rupees. The Ministry of Health and Family Welfare stated that so far, more than 23 crore beneficiaries have been verified and issued Ayushman Cards, which enable them to receive free treatment at the network of PM-JAY empaneled hospitals. This network comprises 28,351 hospitals, including 12,824 private hospitals, across the country.

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The Ministry further noted that the flagship scheme, managed by the National Health Authority, offers health coverage of 5 lakhs rupees per family per year for secondary and tertiary care hospitalization to 12 crore beneficiary families. AB PM-JAY is currently implemented in 33 States and Union Territories, excluding Delhi, Odisha, and West Bengal.


The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is a groundbreaking healthcare initiative launched by the Government of India in 2018. This ambitious scheme aims to provide universal health coverage to the most vulnerable sections of society, including economically disadvantaged families. AB-PMJAY has emerged as the world’s largest government-funded health insurance scheme, offering a comprehensive range of healthcare services. This article explores the key features, benefits, and impact of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana.

About Ayushman Bharat Pradhan Mantri Jan Arogya Yojana

Launched in September 2018, the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is a groundbreaking healthcare initiative by the Government of India. Also known as the National Health Protection Scheme, it aims to provide affordable healthcare access to over 500 million people in the country. With its comprehensive coverage and unique features, AB-PMJAY has emerged as a lifeline for millions of vulnerable individuals and families. In this article, we will explore the key features of this ambitious healthcare program.

AB PM-JAY: Key Features

  1. Coverage and Beneficiaries: AB-PMJAY provides health coverage to economically disadvantaged families across India. It covers both rural and urban populations, and there is no cap on family size or age. The scheme targets vulnerable sections of society, including scheduled castes and tribes, non-working women, and the elderly. Beneficiaries are identified based on the Socio-Economic Caste Census (SECC) data.
  1. Cashless and Paperless: One of the significant features of AB-PMJAY is that it offers cashless and paperless treatment to beneficiaries. This means that eligible individuals can avail medical services at any empaneled hospital without paying upfront. The entire process, from registration to treatment and discharge, is managed electronically, reducing administrative burdens and ensuring efficient delivery of healthcare services.
  1. Comprehensive Coverage: Under AB-PMJAY, beneficiaries are entitled to a wide range of medical treatments and services. The scheme covers over 1,500 medical procedures, including major surgeries, critical treatments, and tertiary care. It encompasses primary healthcare, secondary care, and some tertiary care procedures, ensuring that beneficiaries have access to essential medical interventions.
  1. Empaneled Hospitals and Portability: AB-PMJAY has a network of empaneled hospitals across the country. Beneficiaries can choose to receive treatment at any empaneled public or private hospital of their preference. Moreover, the scheme provides portability, allowing individuals to avail treatment in any part of the country, regardless of their native state. This feature is particularly beneficial for migrant workers and individuals residing away from their hometowns.
  1. Preauthorization and E-Card: Before undergoing any treatment, beneficiaries need to seek preauthorization from the AB-PMJAY portal or helpline. This process ensures that the treatment is covered under the scheme and avoids any inconvenience later on. Beneficiaries also receive an e-card, which contains their personal details and a unique identification number. The e-card serves as proof of eligibility and simplifies the identification process at empaneled hospitals.
  1. No Cap on Family Size and Pre-existing Conditions: Unlike many other insurance schemes, AB-PMJAY does not impose any limit on the family size or the number of members covered. Additionally, pre-existing conditions are not excluded from coverage. This feature ensures that families with chronic illnesses or medical conditions can access necessary treatments without financial burden.

AB PM-JAY: Benefits

– Cashless coverage for medical expenses: AB-PMJAY provides financial protection to eligible individuals, covering hospitalization costs, diagnostics, and treatment expenses.
– Extensive network of healthcare providers: The scheme includes a vast network of empaneled hospitals and healthcare facilities, ensuring access to quality healthcare services.
– Comprehensive coverage: AB-PMJAY encompasses a wide range of medical conditions, including both pre-existing and critical illnesses, ensuring that beneficiaries receive necessary treatment without financial strain.
– Portability of benefits: The scheme allows beneficiaries to avail of healthcare services across India, promoting mobility and accessibility.
– Paperless and hassle-free transactions: The use of technology and digital systems streamline the entire process, reducing paperwork and making it convenient for beneficiaries.

AB PM-JAY: Implementation and Reach

  1. Successful implementation: AB-PMJAY has witnessed a commendable implementation across the country, with state governments actively participating and executing the scheme.
  2. Empanelment of hospitals: The scheme has witnessed significant empanelment of private and public hospitals, increasing the availability of healthcare services for beneficiaries.
  3. Rural reach: AB-PMJAY has extended its benefits to rural areas, ensuring that the most marginalized sections of society can access quality healthcare.
  4. Strengthening primary healthcare: The scheme emphasizes the establishment and strengthening of primary healthcare centers, promoting preventive and primary care services.

AB PM-JAY: Impact and Future Prospects

  1. Improved healthcare access: AB-PMJAY has played a pivotal role in bridging the gap between the rich and the poor by providing equal healthcare opportunities to all.
  2. Financial protection: The scheme has shielded vulnerable families from the burden of medical expenses, preventing them from falling into a cycle of debt and poverty.
  3. Enhanced health infrastructure: The scheme has contributed to the development of healthcare infrastructure across the country, with increased investments in healthcare facilities and technology.
  4. Future prospects and challenges: While AB-PMJAY has achieved significant milestones, there is a need for continuous evaluation, improvement, and expansion to reach the desired outcomes.

AB PM-JAY: Vision

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana has emerged as a transformative healthcare initiative, prioritizing the well-being of millions of Indians. By providing financial protection and access to quality healthcare services, the scheme has alleviated the burden of medical expenses for economically disadvantaged families. AB-PMJAY serves as a shining example of a government-led effort to ensure health equity and uplift the overall health status of the nation. With its remarkable progress, the scheme lays the foundation for a healthier and more inclusive India.

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