Ayushman Bharat Health Scheme – PM Jan Arogya Yojana [Important Points]

Ayushman Bharat - PM Jan Arogya Yojana (AB-PMJAY) Health Scheme launched by PM Modi in Ranchi on 23 Sept 2018, NHPS scheme to provide cashless treatment of upto Rs. 5 lakh to 50 cr poor rural & urban beneficiaries प्रधानमंत्री मोदी द्वारा आयुष्मान भारत हेल्थ स्कीम - पीएम जन आरोग्य योजना का शुभारम्भ
Updated: By: 17 Comments - Leave a Comment Ministry: Ministry of Health and Family WelfareBeneficiaries: Everyone,

PM Narendra Modi has launched Ayushman Bharat Health Scheme from Ranchi, Jharkhand on the birth anniversary of national poet “Ramdhari Singh Dinkar” (23 September 2018). Under this PM Jan Arogya Yojana (PMJAY), central govt. is going to provide cashless & paperless treatment of upto Rs. 5 lakh for secondary and tertiary hospitalization. National Health Protection Scheme (NHPS) will benefit 10 crore poor families and beneficiaries can avail treatment in all govt. / private empanelled hospitals.

Treatment of around 1300 diseases will be provided to beneficiaries at NHPM treatment package rates. AB-NHPM is a mega health insurance scheme to benefit 50 crore people whose name appears in Socio-Economic Caste Census (SECC) 2011 data. Ayushman Mitras will be trained and remain present at each hospital to assist people in getting claim settlement without any hassle.

Latest Update – Check Ayushman Bharat – PM Jan Arogya Yojana List of Hospitals to find Ayushman Bharat empanelled hospitals.

It is imperative to note that there is no need to make any registration or fill online application form under PMJAY. People can avail treatment by just showing either their Aadhar Card or Ayushman Family Cards or Ration Card or Voter Card. In case of any problem contact the PMJAY helpline number at 14555 or 1800-111-565. This scheme is launched simultaneously in 445 districts of 30 states across the country.

Ayushman Bharat Health Scheme (AB-PMJAY) Launched by PM Modi

PMJAY-Ayushman Bharat is the biggest government sponsored healthcare scheme in the world. This scheme is not based on caste, gender or religion but includes deprived rural and urban families. In the upcoming days, this health assurance scheme will benefit lower middle class, middle class and upper middle class people by providing them indirect jobs. The central govt. believes that this “Modicare” scheme will become a game changer for the next general elections. The summary of extent and importance of the scheme are explained in brief below:-

1. Who will be the AB-PMJAY Beneficiaries

AB-PMJAY scheme targets at poor, deprived rural families and identified occupational categories of urban workers families. Accordingly if we go by the SECC 2011 data, this Ayushman Bharat Health scheme would include 8.03 crore households in rural areas and 2.33 crore families in urban areas.

The central govt. will ensure that no eligible beneficiary is left out (especially women, children and senior citizens). In addition to this, there is no cap on the family size and age of people under PM Rashtriya Swasthya Suraksha Mission (PMRSSM). People can check name in PMJAY beneficiaries list to check whether they are eligible or not.

2. How much will Ayushman Bharat Yojana Cost?

Ayushman Bharat Yojana may cost around Rs. 5,000 crore this year because it is rolled out in the month of September 2018. From next year, it is expected that it would cost around Rs. 10,000 crore after its roll-out from next year. In a single year, there are likely to be around 8 crore beneficiaries and govt. targets to cover around 10 crore people in a single year by FY 2020.

Central Government Schemes 2020-2021केंद्र सरकारी योजना हिन्दीPopular Schemes in Central:Narendra Modi Schemes ListNREGA Job Card ListPM Awas Yojana Gramin (PMAY-G)

Ayushman Bharat – PM Jan Arogya Yojana will run on a 60:40 basis where central govt’s share is around 60% and 40% share is of state government. In the 1st year, out of the total expenditure of Rs. 5,000 crore, central govt. may bear the burden of around Rs 3,000 crore. This share of central govt. will increase to around Rs. 7000 crore in FY 2020. Pradhan Mantri Jan Arogya Yojana (PMJAY) is going to subsume Rashtriya Swasthya Bima Yojana (RSBY) which was launched in 2008 by the UPA government.

As per the reports of international rating agency Moody’s, Ayushman Bharat Yojana is credited positive for insurance companies as AB-NHPM scheme would result in higher premium growth. Moreover, NHPS scheme will also provide insurers with cross-selling and servicing opportunities.

3. Extreme outreach of Ayushman Bharat National Health Protection Scheme

All the states were asked to setup kiosks at all empanelled hospitals with PM-JAY branding. This initiative will cover all such hospitals with publicity material like banners on AB-PMJAY scheme, giving uniforms to Arogya Mitras who will help people about NHPS scheme at hospitals and distribute pamphlets to incoming patients.

Ayushman Bharat Health Assurance Scheme
Ayushman Bharat Health Assurance Scheme

The state govt. would also perform outdoor advertising and would hold panchayats in villages. This branding would assist beneficiaries to know where to contact to get PMJAY services. Publicity of AB-NHPM scheme, especially the audio and visual communication, will help in reaching the beneficiaries effectively.

Ayushman Bharat PM Jan Arogya Yojana Progress
Ayushman Bharat PM Jan Arogya Yojana Progress

People who are still finding it difficult to understand the details of PMJAY scheme can contact the AB-PMJAY helpline number – 14555. Around 1.5 lakh Health & Wellness Centers will be opened across the country to provide appropriate treatment to the needy people.

Related Content

17 thoughts on “Ayushman Bharat Health Scheme – PM Jan Arogya Yojana [Important Points]”

  1. I have not received any information of Ayushayaman yojna please do the needful at the earliest

    Ashvin Gokani


  2. 1 ) Lower Middle class : Less than 5.00 lakhs

    2) Middle Class : Between 5.00 to 12.50 Lakhs

    3) Upper Middle Class : Between 1250 lakhs to 20.00 lakhs.

    It is extremely disheartening and sad that Lower Middle Class and Lower of the Middle class
    i.e. Between 5.00 to 7.50 lakhs beaten by Taxes from 360 degrees , ever increasing inflation and Low interest on Bank savings and No Job Opportunities for their children find Living difficult in this country. Here I am not against BPL families at all as this class up to 7.50 lakhs is closely aligned to BPL families economically as OBCs to SC/ST class. Here since Medical cover is for Family ( Spouse and Children and dependent parents ) I have taken total family income in above gradation and not individual income alone, may be noted. On behalf of my late learned father who suffered paralysis and my Bed-ridden mother , I convey blessings to Hon’ble Prime Minister Shri Narendra Modiji and Hearty congratulations to Health ministry. I request Health ministry to carry this message and keep on P.M.s table which would give him all inspiration and boost his moral strength to do Justice to economically depressed middle class also wherein he himself has continuously struggled and suffocated to reach the present illustrious and glorious office. My Warmest regards to him.
    …….. V.N. Phadnis ( M : 94489 21263 )

  3. Very very good sir this scheme very useful benefeticaly poor familis god gift pm moodi sir 100 years pleauss sir neenga nalla ierukkanum sir……

  4. My husband, S S Rao served National Seeds Corporation Ltd for 28 years and took VRS in 1993. He is not entitled for pension or even medical facility. We don’t have any assured source of income and dependent on children. Whether we can avail this Scheme or not? If so, please let us know about procedural formalities.
    ABV Vijayalakshmi
    Sr. Citizen, 75 years


Leave a Comment