Madhya Pradesh government is set to launch CM Ayushman Health Insurance Scheme, aiming to provide cashless medical treatment to state employees, pensioners, and their families. This new scheme is started to ease the money problems of treatment costs and improve healthcare access for approximately 15 lakh people who will benefit.
Key Features of Proposed Ayushman Health Insurance Scheme
- Cashless Treatment: People who will benefit will receive cashless medical treatment, eliminating the need for upfront payments.
- Coverage Amounts: Scheme will cover up to Rs 5 lakh for general illnesses and Rs 10 lakh for critical illnesses.
- Beneficiaries: Approximately 15 lakh state employees, pensioners, and their families will be covered.
- Employee Contribution: Employees will contribute between Rs 3,000 and Rs 12,000 annually towards the scheme.
- Government Support: Government will cover the remaining cost of the insurance premium.
- Additional Reimbursement: Employees can still apply for medical reimbursement from their respective departments after treatment if needed.
Benefits of Scheme
- Reduces out-of-pocket treatment costs for employees and pensioners.
- Provides financial security against high-cost treatments.
- Ensures timely and quality healthcare through cashless services.
- Encourages better health management among state employees and pensioners.
Current Medical Expense System
Currently, state employees and pensioners pay for their medical treatments upfront and later seek reimbursement based on Central Government Health Scheme (CGHS) rates. However, this system often results in partial reimbursements. For instance, a liver transplant costing Rs 20 lakh may only receive Rs 4 lakh in reimbursement, leaving patients to cover the remaining amount themselves.
Implementation Timeline and Next Steps
Final contribution amount for employees is yet to be decided. Scheme is expected to be launched soon, with preparations underway to enroll eligible beneficiaries and set up necessary infrastructure for cashless treatment.
CM Ayushman Health Insurance Scheme represents a big step towards improving healthcare accessibility and affordability for state employees and pensioners. By shifting to a cashless treatment model, scheme aims to alleviate money problems and promote better health outcomes.