Pradhan Mantri Jan Arogya Yojana (PMJAY)

What is Pradhan Mantri Jan Arogya Yojana (PMJAY)?

India is the 2nd most populated country in the world and due to the increased level of air pollution in the country, there are many diseases seen in the past few years in many cities. Some small diseases are often ignored while after increasing bulging the disease, people go to the hospital and ask the doctor regarding the same. Most of the time, doctors give them a huge amount to be spent on the disease and families are not able to afford the whole expenses of the patient’s ailment.

If families go for the disease treatment, they are charged lakhs of rupees in a very short span of time where control on money can also be lost. Often, middle-income group families don’t even think to treat diseases like cancer that may be dangerous for them in the future for their sustenance. Hence, due to the large presence of the lower-income group in a country like India, the growth may also hamper that may result in a slump being an inactive group of youths in the country.

After considering the country’s concern, PM Modi announced the Ayushman Bharat – National Health Protection Scheme (AB – NHPS) during his independence speech in the year 2018 from the ramparts of the Red Fort. Insisting more on the national health insurance scheme, PM Modi said that the scheme will be rolled out as a pilot basis in various states while after the successful experimentation, it’ll be implemented all over the country from the month of September.

After the implementation at a large level in all parts of the country, PM Modi launched Ayushman Bharat Scheme on September 23, 2018, in Jharkhand’s capital, Ranchi and it was declared as the world’s largest healthcare government-funded scheme. The PM Jan Arogya Yojana scheme was initiated on 25th September 2019 on the Birth Date of Pt. Deendayal Upadhya and the Ayushman Bharat – National Health Protection Scheme (AB – NHPS) was renamed as the PMJAY on the same date.

 

Who can avail the Pradhan Mantri Jan Arogya Yojana (PMJAY)?

Ayushman Bharat Scheme can be availed by economically backward Indians and who want the healthcare benefits at an affordable rate with the help of the central government’s assistance. Pradhan Mantri Jan Arogya Yojana (PMJAY) has been launched for all states in the country including union territories so every MIG (Middle Income Group) patient can take the facilities provided under this scheme.

During the launch of the scheme of the PM Jan Arogya Yojana, PM Modi said that more than 50 crore citizens of India will be benefited from this scheme and there have already been many success stories that have been seen earlier during the pilot implementation of the PMJAY. Moreover, during the launch of the PM Jan Arogya Scheme in September 2018, PM Modi also said that more than 18 thousand hospitals have already been earmarked with over 45 lakhs beneficiaries within 1 month of the announcement of the scheme PM Jan Arogya Yojana. Furthermore, more than 10 crore e-cards have been issued under the PM Jan Arogya Yojana (PMJAY).

What is the basic aim of the government through Pradhan Mantri Jan Arogya Yojana?

PM Jan Arogya Yojana is basically aiming the poor people of the country where the government is targeting to give a better treatment to the Lower Class families in India. Moreover, the government will also offer this 2.33 crore urban person who will also be treated under the PM Jan Arogya Yojana.  More than 8 core families were also treated as the lower-income holders according to the census of Socio-Economic Caste in the year 2011. Hence, with the help of Jan Arogya Yojana, more than 10 crore families can take the benefit of affordable medical treatment at best private and government hospitals in India.

What is the process of hospitalization in PM Jan Arogya Yojana (Ayushman Bharat Yojana)?

This is one of the most important points to know everyone where you may think about some hidden charges or terms & conditions. According to the officials of the Jan Arogya Yojana, the beneficiaries will not be required to pay any additional or hidden charges to admit in the hospitals. Moreover, the premium of the hospitalization and pre-medical expenses will also be covered in the PM Jan Arogya Yojana.

Every hospital which is categorized under the Ayushman Bharat Yojana will have ‘Ayushman Mitra’ that will assist patients and they will also coordinate with the beneficiaries. You should go to their help desk where they check documents for the verification of eligibility for the Jan Arogya Yojana (Ayushman Bharat Scheme). Beneficiaries will also have to take the letter with the QR Codes and it will be scanned for demographic purposes and it’ll also be helpful for the patients to check the eligibility for taking all kinds of benefits provided under the Pradhan Mantri Jan Arogya Yojana.

Jan Arogya Yojana will be available under certain circumstances. Kindly take a look to check the eligibility of the application to avail the Ayushman Bharat Yojana (Jan Arogya):

  • PMJAY (Pradhan Mantri Jan Arogya Yojana) will be available for those who are living in Scheduled Caste and Scheduled Tribes.
  • Families should not have any males aged between 16 and 59 years.
  • Beggars whose livelihood is based on alms only.
  • Families should have one physically challenged member and
  • A household who doesn’t have any land and their livelihood is based on working as laborers
  • Mainly belongs to the tribal communities
  • Families who have one-room makeshift houses without any walls or roof
  • A laborer who has released bonded through legal note
  • Families who come from scavenger background
  • Persons who are home-based artisans or handicraft or tailors
  • People who are working as assistant peons, helpers, and rickshaw pullers.
  • Cobblers and hawkers who are working on the street to subsist.
  • Any plumber, construction worker, porters, welders, masons, potters, and painters.
  • Persons who are working as security guards.