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Ayushman Bharat

In order to achieve the objective of Universal Health Coverage, a flagship scheme of the Government of India has come up with "Ayushman Bharat". Its motto is "Let no one be left behind."

"Ayushman Bharat" is a process of healthy infrastructure, a healthy service
The objective of this scheme is to provide healthcare at primary, secondary and tertiary level. Ayushman Bharat is a big step towards affordable healthcare.

It consists of two components, which are as follows:-

  • • Health and Wellness Center (HWC's)

  • • Pradhan Mantri Jan Arogya Yojana (PM-JAY)

1. Health and Wellness Centers (HWCs) The Government of India had announced the creation of 1,50,000 health and wellness centers by replacing the existing sub-centres and primary health centres. These initiatives are an attempt to take primary health centers and health services to the homes of people. Free essential medicines, maternal and child health services are also available in these centres. Health campaigns and prevention are designed to make people healthy and empowered so that they can stay safe from complex diseases and the risks posed by them.

2. Pradhan Mantri Jan Arogya Yojana The second component under Ayushman Bharat is the Pradhan Mantri Jan Arogya Yojana, which is known by the name of the people (PM-JAY). Ayushman Bharat (PM-JAY) is the world's largest health assurance scheme, which aims to provide free treatment up to Rs 5 lakh per family per year for secondary and tertiary health services, benefiting more than 10.74 crore poor families.

Features AndBenefits

Features Of (PM-JAY)

(PM-JAY) is the world's largest health insurance/assurance scheme wholly run by the government.
The scheme provides funds up to Rs 5 lakh per family per year to the beneficiaries for secondary and tertiary health treatment in private and public hospital in India.
More than 10.74 crore poor families can get benefits under this scheme.
Seva Sansthan provides health services free of cost.
In this scheme, treatment and medicines are available free of cost for 3 days before and 15 days after hospitalization.
There is no limit on family size, age or gender in this plan.
Pre-existing diseases are covered from day one.
The beneficiary of this scheme can take the benefit of any private or public hospital in the whole country.
This plan covers about 1,393 procedures like medicines, doctors' fees, room charges, O-T and I-C-U charges etc. are available free of cost.
Private hospitals are paid for health services at par with public hospitals.

Benefits Under PM-JAI


(PM-JAY) provides Rs 5,00,000 per family per year for empanelled secondary and tertiary health services to all beneficiaries. The following treatments are available free of cost under this scheme.

Medical Test, Treatment and Consultation
Pre-hospitalization expenses
Medicines and medical uses
Pathological and laboratory tests
Cost of hospital stay
Hospital food expenses
Difficulties arising during treatment
Post-hospitalization cares up to 15 days

Under this scheme, a benefit of Rs 5,00,000 is given to the whole family, it can be used by one or all the members of the family.
There is no limit on the age of the family members and pre-existing diseases are covered in the scheme from day one.

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