It was launched on 23rd September,2018 by Prime Minister Narendra Modi emerged from National Health Policy 2017.It is basically focusing on covering up 12 crores families , or near 55 crore individuals. This scheme is a foundation of India’s commitment towards achieving the UHC (UNIVERSAL HEALTH COVERAGE ).
Health Coverage
PM-JAY has now become the largest health assurance scheme in world by offering comprehensive secondary and tertiary care hospitalisation benefits upto Rs.5 lakh per family annually.
By prioritising poorest 40% of the population over the last six years it has sought help to deep-rooted inquities in India as per the socio -economic caste census 2011.
KEY FEATURES
Listed below are some of the key features of this scheme :
- PM JAY is the world’s largest health insurance initiative which is fully financed by the government of India ,which is offering a broad healthcare insurance to the vulnerable society people.
2 .Each entitled family is getting up-to Rs.5 lakh hospitalisation in both public and private empanelled hospitals in India.
3. There are around 55 crores beneficiaries in which over 12 crores poor and vulnerable families are eligible for the benefits of the schemes.
4. The benficiaries are getting cashless healthcare services , eliminating the need of out of pocket payments during the treatment.
5. By covering these medical costs , PM JAY is preventing over six crores families from falling into poverty due to healthcare issues.
FREE HEALTHCARE COVERAGE FOR ALL THE 70+ SENIORS
On September 11 , the Union Cabinet approved an expansion of AB PM JAY which is offering healthcare services to the senior citizens aged 70+ years and above .
This will provide free health coverage of up to ₹5 lakh per family, regardless of income, benefiting around 6 crore senior citizens across 4.5 crore families.
All the senior citizens will be receiving a new distinct card under the AB PM JAY for getting access to the scheme .An additional top-up cover of ₹5 lakh per year will be provided exclusively for their use, separate from the rest of the family .
ACHIEVEMNETS OF AB PM JAY
As per the data of September 2024 AB PM JAY has improved its healthcare accessibility in India. It has empowered over a millions of families by issuing the cards to over 35.4 crore families.
It is operational in 33 States and Union Territories except NCT Delhi, West Bengal, and Odisha .There is an accomplishment that the authorization of 7.70 crore hospital admissions, providing ₹1,07,125 crores in financial coverage.
3.61 crore hospital admissions have been utilised by women, reflecting the scheme’s role in supporting gender equity in healthcare. It has successfully empanelled 30,529 hospitals across the country.
SOURCE : PIB
