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India is a developing country with an average growth rate of 7.2 over the past decade. In which, Many sectors are improving with a fast pace. One of them is Health care sector. It is expected to raise up to 280 billions till 2020. But nearly half of the Indian citizens are unable to get required medical treatment. The raise in the cost of medical expenses and diagnostics procedure made the citizens to pay heavy costs from their own pockets.
Realizing this problem government of India initiated National Health Protection Mission constituting National Health Authority (NHA). Under NHA, government started Ayushman Bharat Scheme. Popularly known as Modicare or Pradhan Mantri Jan Arogya Yojana.
To achieve National Health Protection Mission , government opted for two strategies
Creation of Health Care centres and Implementation of Ayushman Bharat Scheme.
One of the main agenda involves the creation of 1.5 Lakhs Health and Wellness Centres which helps citizens to get a comprehensive Primary Health care (CPHC).
The Health and Wellness Centres provide services
On 14th April 2018, PM launched the first Health and Wellness Centre in Chhattisgarh, at Bijapur, Jangla.
Ayushmaan Bharat is a National health protection scheme which provides a financial coverage of Rs.500,000 per family per year. It's launched in August 2018 headed by PM Narendra Modi and Health Minister JP Nadda. The scheme covers the secondary and tertiary care hospitalization of the patients. It is also popularly known as Pradhan Mantri Jan Arogya Yojana or Modicare or National Health Protection Scheme.
As India is a developing country, with a population of 1.3 billion people when a country is in developing state, it has to focus on many sectors, among them one of the main sectors is health care sector. Indian Healthcare sector is growing rapidly from past 20 years. But the lower levels of the Indian society is unable to meet the medical needs.
Main problem is that out of the pocket expenditure and low financial protection by the Indian people 63.8% of the population are paying money from their own pockets for the medical expenses. Most of them are poor and middle class people who are borrowing the money from others and gets into the debts. As a result 4.6% of the population is pushed towards the PL(poverty lines). They are not covered under any medical insurance schemes (government and public).
Pradhan Mantri Jan Arogya Yojana aims to reduce the financial burden on BPL families (below poverty line people) and vulnerable groups who fails to support the family in time of medical needs. The scheme aims to provide the quality medical services to the poor and BPL families, it seeks to achieve the Sustainable Development Goal -3 (SDG- 3) and accelerate the progress in health care system towards achieving the Universal Health Coverage (UHC).
Ayushmaan Bharat Yojana (PMJAY) is one of the largest health care schemes under the National Health Authority, launched by Prime Minister Narendra Modi. It covers 10.8 crore families who are poor, deprived and are unable to access the quality medical services.
It will cover the medical and hospitalization expenses for all the secondary and tertiary care procedures. Scheme has 1350 medical packages under it's belt, which includes surgeries, medical and day care treatments including diagnostic procedures, various primary medical tests and transport facilities such as ambulance in the time of emergency.
The data for the eligibility of AB-PMJAY is collected by Socio Economic and Caste Census 2011. It uses the same technique which is used to collecte the data of the whole population under 2011 census.
It is categorised under Urban and Rural.
Rural eligibility criteria for AB-PMJAY
If a person is got into an accident or suffering from any disease, can avail the PM-JAY if he is eligible for the scheme from the hospitals which are empanelled under Pradhan Mantri Jan Arogya Yojana (Modicare). Which covers upto the Rs.5 lakhs of the expenses including secondary and tertiary care procedures for a family every year.
When a patient is brought to the hospital in an emergency condition or in a casual visit, one must approach the Pradhan Mantri Arogya Mitra(PMAM) help desk.
Note : Pradhan Mantri Arogya Mitra (PMAM) authorities are available in every AB-PMJAY empanelled hospital. They are recruited under NHA and SHA by third party agencies.
Ayushmaan Bharat is a great scheme to cover all the poor and vulnerable families who cannot afford proper medical care. It aims to provide the benefits to nearly 10.8 crores families under this scheme.
Current Health expenditure by the government is 1.5% of our country's GDP. In 2018 government sanctioned Rs.2000 crores for the Ayushman Bharat (PM-JAY). In 2019 budget it raised to Rs.6400 crores. Next time in the year of 2020 the government is likely to spend Rs.10,000 crores for the Ayushman Bharat scheme.
Nearly 10 lakhs people benefited from the scheme, it is an initial success for the government, many senior citizens undergone knee replacement surgeries. Children with heart problems are also treated under priority basis. This warm and satisfactory feedback from citizens made the government to increase the expenditures of the scheme.
Pradhan Mantri Jan Arogya Yojana is the Health care scheme launched in August 2018 by PM Narendra Modi, to provide the Health benefits and cover the medical expenditure. The scheme covers Rs.5 lakhs per family per year.
The scheme covers Rs.5 lakhs of medical expenses including secondary and tertiary care expenses with 1350 medical packages available under the scheme.
There are about 1350 medical packages available under this medical Scheme, starting from maternal and child care to knee replacement and heart surgeries.
There is no enrollment process available for the scheme. The survey done by SECC 2011, is the current database. It identified 10.8 crore families that will be benefited under PM-JAY.
