Why, How & What is Prime Minister Jan Arogya Yojana (PMJAY) – Must Read!

Dr. Swapneil Mantri,

Samaj Vikas Samvad!

Mumbai,

Why, How & What is Prime Minister Jan Arogya Yojana (PMJAY) – Must Read, Benefits of PM-JAY, healthcare needs.

India has achieved significant public health gains and improvements in health care access and quality over the last three decades.

The health sector is amongst the largest and fasting growing sectors,

so, We could expect this sector to reach US$ 280 billion by 2020.

But, At the same time, India’s health sector faces immense challenges.

the challenges are characterized by high out-of-pocket expenditure,

low financial protection, and low health insurance coverage amongst both rural and urban populations.

So; It is a matter of grave concern that we incur a high out-of-pocket expenditure on account of health and medical costs.

Because 62.58% of our population has to pay for their own health and

no health scheme covers the hospitalization expenses in any form of health protection.

Benefits of PM-JAY– people borrow money or sell their assets to meet their healthcare needs.

Besides using their income and savings, people borrow money or sell their assets to meet their healthcare needs,

thereby pushing 4.6% of the population below the poverty line.

So, in order to improve the situation; The Government of India has committed

itself to ensure the Indian population has universal access to good quality health care services;

which are designed in such a way that henceforth no one will have to face financial hardship as a consequence.

we know that Under the ambit of Ayushman Bharat, a Pradhan Mantri Jan Arogya Yojana (PM-JAY) to reduce the financial burden on poor and

vulnerable groups arising out of catastrophic hospital episodes and ensure their access to quality health services was conceived.

So; We may presume that PM-JAY will ensure the acceleration of India’s progress towards achieving Universal Health Coverage (UHC) and Sustainable Development Goal – 3 (SDG3).

Why, How & What is Prime Minister Jan Arogya Yojana – Must Read!

Pradhan Mantri Jan Arogya Yojana (PM-JAY) will provide financial protection.

Pradhan Mantri Jan Arogya Yojana (PM-JAY) will provide financial protection (Swasthya Suraksha) to 10.74 crores of poor deprived rural families and

identified occupational categories of urban workers’ families as per the

latest Socio-Economic Caste Census (SECC) data (approx. 50 crore beneficiaries).

The PMJAY scheme will be offering a benefit cover of Rs. 500,000 per family per year (on a family floater basis).

PM-JAY will also cover medical and hospitalization expenses for almost all secondary care and most tertiary care procedures. so

in order to achieve these gigantic tasks, The PM-JAY has defined 1,350 medical packages covering surgery,

medical and daycare treatments including medicines, diagnostics, and transport.

Benefits of PM-JAY– there will be no cap on family size and age in the Mission.

To ensure that nobody is left out (especially girl children, women, children, and elderly), the mission will not have any cap on family size and age in the scheme.

And The scheme will be cashless & paperless at public hospitals and impaneled private hospitals.

The beneficiaries will not pay any charges for the hospitalization expenses.

The benefit also includes pre and post-hospitalization expenses.

The scheme is entitlement-based, the beneficiary is decided on the basis of the family being figured in the SECC database.

When fully implemented, the PM-JAY will become the world’s largest government-funded health protection mission.

Why, How & What is Prime Minister Jan Arogya Yojana – Must Read!

Benefits of PM-JAY–healthcare needs- Beneficiary Level

As per our knowledge, the Government would be providing health insurance cover of up to Rs. 5,00,000 per family per year.

More than 10.74 crore poor and vulnerable families (approximately 50 crore beneficiaries) are covered across the country.

All those families listed in the SECC database as per defined criteria will be covered.

this health beneficiary scheme does Not have any cap on family size and the age of members is already mentioned in it.

this PM-JAY scheme has given Priorities to the girl child, women, and senior citizens.

Free treatment will be available at all public and impaneled private hospitals in times of need.

Benefits of PM-JAY–healthcare needs, Covers secondary and tertiary care hospitalization.

1,350 medical packages covering surgery, medical and daycare treatments, cost of medicines, and diagnostics.

the PMJAY scheme will cover all pre-existing diseases and Hospitals cannot deny treatment.

Cashless and paperless access to quality health care services.

Now we know that the government will not allow the Hospitals to charge any additional money from beneficiaries for the treatment.

With this decision by the government, the Eligible beneficiaries can avail of services across India,

offering the benefit of national portability.

can reach out for information, assistance, complaints, and grievances to a 24 X 7 helpline number – 14555

Why, How & What is Prime Minister Jan Arogya Yojana – Must Read!

Benefits of PM-JAY– Health System, healthcare needs.

Because; Help India progressively achieve Universal Health Coverage (UHC) and Sustainable Development Goals (SDG).

So as for our understanding to Ensure improved access and affordability,

of quality secondary and tertiary care services through a combination of public hospitals and

well measured strategic purchasing of services in health care deficit areas,

from private care providers, especially the not-for-profit providers.

This will significantly reduce out-of-pocket expenditure for hospitalization for our poor population.

Benefits of PM-JAY– growth of the private sector with public health goals.

we can understand that; Mitigating financial risk arising out of catastrophic health episodes and consequent impoverishment for poor and vulnerable families.

Acting as a steward, align the growth of the private sector with public health goals.

and Enhancing the use of evidence-based health care and cost control for improved health outcomes for those poor and deprived in the country.

it will also Strengthen public health care systems through the infusion of insurance revenues.

it will also help in creating the new health infrastructure in rural,

remote, and under-served areas and subsequently Increase the health expenditure by Government as a percentage of GDP.

the scheme will also Enhance patient satisfaction besides; Improving overall health outcomes.

and also the Improvement in population-level productivity and efficiency

Improved quality of life for the population.

…

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