Ayushman Bharat Yojana, also known as Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a flagship healthcare scheme launched by the Government of India in 2018. It aims to provide health coverage to economically vulnerable sections of society, particularly those living below the poverty line. Here are the key highlights of the scheme:
Key Features:
1. Health Coverage: Provides an annual health cover of up to ₹5 lakh per family for secondary and tertiary care hospitalization.
2. Beneficiary Population: Targets over 10 crore families (about 50 crore people), primarily those identified based on the Socio-Economic Caste Census (SECC) data.
3. Coverage Scope: Includes hospitalization costs for treatment of serious ailments, covering over 1,500 procedures, surgeries, and treatments. This includes pre- and post-hospitalization expenses.
4. Cashless and Paperless: The scheme is designed to be cashless and paperless at the point of service, allowing beneficiaries to access treatment in both government and empaneled private hospitals across India.
5. Portability: Beneficiaries can avail themselves of treatment in any empaneled hospital across the country.
6. Implementation: It is being implemented at the state level, with states allowed to customize the scheme as per their needs.
### Objectives:
- To reduce the financial burden on poor families by ensuring they get access to quality healthcare without spending out of pocket.
- To improve access to healthcare services, especially in rural and underserved areas.
The Ayushman Bharat Yojana is one of the largest government-funded healthcare programs globally and plays a critical role in India's path toward universal health coverage.
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