What is Pradhan Mantri Jan Arogya Yojana (PM JAY)?


Prime Minister Narendra Modi introduced his ambitious plan to Prime Minister Jan Arogya Yojana (Ayushman Bharat) from Jharkhand today. It is also being known as the world’s largest health program. By the way, this Yojana will be fully implemented on 2 September 25 days after the birth anniversary of Pandit Deendayal Upadhyay. Now, this yojana is going to be implemented in 445 districts of 29 states / Union Territories because some states like Odisha and West Bengal have not adopted it yet. Under Pradhan Mantri Jan Arogya Yojana, 100 million households, ie 50 crore people, will get free treatment up to Rs 5 lakh annually.

Under this yojana, about 50 crore people of 10.74 crore families will be beneficiaries. Out of these 8 crore rural households, there are about 2.4 million urban families. In this way, about 40 percent of India’s population will get a medical coverage under this. The beneficiary family can get cashless treatment of up to Rs 5 lakh annually in government or private hospital included in the panel. Under Pradhan Mantri Jan Arogya Yojana, the treatment will be completely cashless. With the introduction of this scheme, 2.65 lakh beds will be available for the poor in 10,000 government and private hospitals in the country.

The central and state governments will take up the expenditure on this yojana. The Central Government will bear 60 percent of the expenditure on PM JAY and 40 percent will be paid to the State Governments. In the present financial year, due to this plan, it is estimated to have a burden of Rs.3,500 crore due to the Center. In the budget of 2018-19, the center has created a token money of Rs 2,000 crore in this item.

A large population of India is not able to afford the treatment of serious diseases. A recent survey published in the British Medical Journal can be estimated by how serious the situation is. It was found in the survey that 5.5 crore people in India reached the poverty line only because they had to pay a lot of money in the treatment. Out of these, only 3.8 million people became poor because of spending on medicines. As per the recent data from the National Sample Survey Organization (NSSO), 85.9 percent of rural households and 82 percent of urban households do not have access to healthcare insurance. Not only has that, but around 17 percent of the country’s population also spent 10 percent of their earnings on treatment only. Studying at these figures, it can be easily understood why such a plan was necessary.

Each hospital in the government panel will have ‘Ayushman Friend Help Desk’. There the beneficiary will be able to validate his eligibility by the documents. No special card will be needed for treatment, only beneficiaries will have to establish their identity. The eligible beneficiary will not be given a single penny to the hospital for treatment. The treatment will be completely cashless.

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