Pradhan Mantri Jan Arogya Yojna (PMJAY) is a component of Ayushman Bharat. PM-JAY was earlier known as the National Health Protection Scheme (NHPS). It subsumed the then existing Rashtriya Swasthya Bima Yojana (RSBY) which had been launched in 2008.

Also Read : Government Scheme

About Pradhan Mantri Jan Arogya Yojna (PMJAY)

• This scheme was launched on 23rd September, 2018.
• Ayushman Bharat PM-JAY is the largest health assurance scheme in the world.
• It aims at providing a health cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization
• Tyhe benefit will reach to over 10.74 crores poor and vulnerable families approximately 50 crore beneficiaries.
• Mostly that form the bottom 40% of the Indian population.
• The households included are based on the deprivation and occupational criteria of Socio-Economic Caste Census 2011 (SECC 2011) for rural and urban areas respectively.
• The coverage mentioned under PM-JAY therefore also includes families that were covered in RSBY but are not present in the SECC 2011 database.
• PM-JAY is fully funded by the Government.
• Cost of implementation is shared between the Central and State Governments.

Features of the Scheme

• Provides a cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization.
• Aacross public and private empanelled hospitals in India.
• Provides cashless access to health care services for the beneficiary at the point of service, that is, the hospital.
• Help mitigate catastrophic expenditure on medical treatment which pushes nearly 6 crore Indians into poverty each year.
• Covers up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses.
• There is no restriction on the family size, age or gender.
• Services include approximately 1,393 procedures covering all the costs related to treatment.
• Pre-existing diseases are covered from the very first day.

All expenses incurred on the following components of the treatment will be covered :

• Medical examination, treatment and consultation
• Pre-hospitalization
• Medicine and medical consumables
• Non-intensive and intensive care services
• Diagnostic and laboratory investigations
• Medical implantation services (where necessary)
• Accommodation benefits
• Food services
• Complications arising during treatment
• Post-hospitalization follow-up care up to 15 days