- Prime Minister Narendra Modi launches his ambitious plan to Prime Minister Jan Arogya Yojana (Ayushman Bharat) from Jharkhand today. It is also being called the world's largest health program. By the way, this plan will be fully implemented on 2 September 25 days after the birth anniversary of Pandit Deendayal Upadhyay. Now this scheme 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 this, 100 million households, ie 50 crore people, will get free treatment up to Rs 5 lakh annually. Let's tell you the special points of this scheme-
- How many families are getting covered?
Under this scheme 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 the country's population will get a medical cover under this. The beneficiary family can get cashless treatment of up to Rs 5 lakh per year in government or private hospital included in the panel. Under this, the treatment will be completely cashless. With the launch of this scheme, 2.65 lakh beds will be available for the poor in 10,000 government and private hospitals of the country.
- Is the center spending the entire expenditure?
- No, the central and state governments will raise the expenses incurred on this scheme. The Central Government will bear 60 per cent of the expenditure on PMJAY and 40 per cent will be paid to the State Governments. In the current 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 made a token money of Rs 2,000 crore in this item.
- What will be the role of friends of health?
- National Health Agency has deployed 14,000 health friends to hospitals. They will have the task of verifying the identity of patients and helping them during the treatment. These health friends will have an important role in the verification of the beneficiaries, apart from this, patients will be able to contact these people for any inquiries and problems.
- What is the basis of eligibility?
- All the people marked as poor in the socio-economic and caste census of 2011 have been considered eligible for this. It also means that if a person is poor after 2011, then he will be deprived of its benefits. There will be no obligation of age for insurance cover, nor is there any restriction on the size of the family. Its purpose is to connect all the poor with a health program.
- How to check your name?
- The National Health Agency (NHA), which runs the scheme, has launched a website and helpline number through which anybody can check whether the beneficiary's name is included in the final list or not. To check your name in the list, you can visit the website mera.pmjay.gov.in or call helpline number 14555.
- View: Free health insurance of 5 lakhs, see name in step 6
- In which hospital treatment, government or private?
- For this scheme, it can be availed during the treatment of government or private hospitals in the list of government. Government and private hospitals in large numbers have expressed their desire to join this. The government has so far received applications for connecting it with more than 15,500 hospitals. About 7,500 of them are about half of the applications of private hospitals. About 10 thousand hospitals have been selected for this scheme, which include both government and private hospitals. There are a total of 1,354 treatment packages, including cancer surgeries and chemotherapy, radiation therapy, heart bypass surgery, neuro surgery, spinal surgery, dental surgery, eye surgery and MRI and CT scan.
- Why was the scheme necessary?
- A large population of the country is not able to afford the treatment of serious diseases. A recent study published in the British Medical Journal can be estimated by how serious the situation is. It was found in the study 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 due to spending on medicines. According to 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 that, nearly 17 percent of the country's population spends 10 percent of their earnings on treatment only. Looking at these figures, it can be easily understood why such a plan was necessary.
- Is Aadhar card necessary?
- Aadhar card is not mandatory to take advantage of this scheme. If you are eligible, then you just have to establish your identity, which you can establish with Aadhar card or identity card such as Voter ID or Ration Card.
- How to claim?
- Every hospital in the government panel will have 'Ayushman Friend Help Desk'. There the beneficiary will be able to validate his eligibility through the documents. No special card will be required 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 fully cashless.
- Which states do not currently apply?
- Delhi, West Bengal, Odisha, Kerala, Telangana and Punjab have not yet signed Memorandum of Understanding (MoU) with the Center for this scheme. These states want a similar plan, some already have such a plan.
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