In this article we are talking about the Mera PMJAY Yojana for Health Insurance. Pradhan Mantri Mr. Narendra Modi launches the PMJAY health insurance scheme “Ayushman Bharat”. It is also called the AB-PMJAY (Ayushman Bharat Pradhan Mantri Jan Arogya Yojana). It is the world’s largest health care insurance which is provide by the government.
This PMJAY health care insurance gives to the 50 crore beneficiaries. PMJAY scheme declares on 23 September 2019 on Sunday. The aim of this scheme to give the medical help to poor peoples and economically weaker section people. PMJAY scheme is specially declare for the poor people said by the Pradhan Mantri Mr. Narendra Modi.
Mera PMJAY Yojana for Health Insurance:
Mr. Narendra Modi said that PMJAY Ayushman Bharat is the world largest health care scheme which is sponsored by the government. For the help from the Ayushman Bharat beneficiaries, PMJAY also gave the helpline number, some of the who doesn’t knew about the PMJAY and can’t not understand the scheme so they can call on the helpline number and take the information about the PMJAY. The helpline number of PMJAY is 14555.
Mera PMJAY Beneficiary List 2019:
|Name of Scheme||Ayushmann Bharat Yojana|
|Launch date||23-Sep-18 (Ranchi)|
|Beneficiary||100 million Indian families|
|First Beneficiary||Karishma From Haryana|
|CEO||Dr Indu Bhushan|
|Official Website For Registration||https://mera.pmjay.gov.in/|
This health care scheme was launched from Ranchi, in Jharkhand. PMJAY scheme will operation from 25 September 2019 on the birth anniversary of Pandit Deendayal Upadhyay. The aim of the Ayushman Bharat is to provide the coverage of Rs. 5 lakh per family annually, this benefit take more then the 10.74 crore poor families.
The next process of the PMJAY healthcare scheme that to open the 1.5 lakh health and wellness centers in 2022 after the four years of PMJAY healthcare scheme. The scheme in 2022 that is for that peoples who are suffer from the blood pressure, diabetes, cancer. Ten health care center were inaugurated on Sunday in Jharkhand.
Who are the Beneficiaries of PMJAY?
The target point of this scheme is poor peoples who have no money to take the relief with the unknown types of disease. In the rural areas 8.03 crore of people, and in the urban areas 2.33 crore peoples can take the benefit of this health care scheme as per the latest Socio Economic Caste Census (SECC) data. Around 50 crore of peoples will covered in the PMJAY health care scheme.
Secondary and tertiary care hospital will also provide the PMJAY health care through the network of Empanelled Health Care providers. This scheme is the cashless and paperless access service for the beneficiaries at the point of service. Cashless and Paperless will help in the reduce expenditure for hospitalization, because some of the hospitals take the more time to hospitalized the poor people. Also will help in to reduce the pressure of money to submit in the hospital.
Minimum 5.5 crore peoples will pushed in the below poverty line category because of their medical expenses. 3.8 crore of peoples are poor because of their health care expenses. PMJAY scheme target the poor families.
Entitlement Decided Through SECC Data:
In the PMJAY health care scheme their is no restrictions about the age and number of family member. All the poor peoples who are select for the PMJAY scheme according to the SECC data they all ca take the benefits of the PMJAY healthcare scheme. The beneficiaries are identify based on the economically weaker section category under the data of SECC database for rural areas. For the urban areas 11 occupational criteria will determined the entitlement.
If any of the beneficiaries family member is hospitalized, then they do not have to pay anything under the PMJAY healthcare scheme. Their payment will provide by the government or empanelled private hospital.
The hospitalization person expenses up to 5 lakh are include in the PMJAY healthcare scheme. All the expenses of the hospitalization person like food, medicine, travel charges, checking charges, medicines charges will also gave the to the beneficiaries of PMJAY Ayushman Bharat healthcare scheme.
Subsidised Rates Promised:
The health minister of India has include the 1,354 packages in the scheme under which treatment for coronary bypass, knee replacement and stenting, and some other treatment of the poor peoples. For that peoples government provide the 15-20 per cent cheaper rates than the Central Government Health Scheme to this type of poor peoples who are suffer from these problems.
Why Ayushman Bharat?:
According to the health minister of India, 71st round of National Sample Survey Organization (NSSO). About 85.9 per cent of rural households and 82 per cent of the urban household have no access to health insurance.
More than 24 per cent of the peoples in India are 18 per cent of the population in urban areas have suffer from the medical suffering peoples, they borrow the money from the other peoples and then they will start the treatment of disease. Ayushman Bharat wants to change this type of status in India.
The Chief Architect of this scheme Mr. Niti Aayog member VK Paul said that in the current situation the burden is likely to be around Rs. 3,500 crore, which is why being in the world largest healthcare center scheme. It will funded with 60 per cent contribution coming from the Center and remaining from the states.
What is Ayushman Bharat?:
The Ayushman Bharat is the scheme to give the healthcare insurance to poor peoples. The main aim of the PMJAY scheme is to give the financial help to poor peoples who can not afford the large amount in the hospitals. This scheme will give to the 10 crore families or around 50 crore Indian peoples, for that peoples PMJAY give the Rs. 5 Lakh cover per year.
5 States Opted Out Ayushman Bharat Scheme:
On the Day of PMJAY launching, 5 states are opt out form the Ayushman Bharat healthcare scheme. From the 5 state one of is Telangana state. Telangana state is declare that, the government of Telangana decided that they did not join the Ayushman Bharat Healthcare scheme. One of the biggest reason of Telangana state for not joining the Ayushman Bharat Healthcare scheme. Reason is that for the time being is that the state’s Aarogyasri scheme covers nearly 80 lakh families.
Some of the other states are also opt from the Ayushman Bharat scheme. States are Odisha, Delhi, Kerala and Punjab have not signed the PMJAY Ayushman Bharat scheme.
The government of Odisha says that, our state funded health scheme is much better then the PMJAY Ayushman Bharat healthcare scheme. Our state healthcare scheme gives the 7 lakh per year to every family and the government of India gives the 5 Lakh per year to every year, that is the biggest reason to opted the Odisha from PMJAY Ayushman Bharat health care scheme.