Ayushman Bharat Scheme: Understanding the Health Cover

The question asks about the annual health cover provided under the 'Ayushman Bharat' scheme by the Government of India. This scheme is a flagship initiative aimed at providing affordable healthcare to millions of vulnerable families in India.

The Ayushman Bharat scheme, also known as the Pradhan Mantri Jan Arogya Yojana (PM-JAY), is one of the largest health assurance schemes globally. Its main objective is to reduce the financial burden of healthcare on poor and vulnerable groups.

Annual Health Cover under Ayushman Bharat

A key feature of the Ayushman Bharat PM-JAY component is the provision of health cover. The scheme provides a defined benefit cover for secondary and tertiary care hospitalization.

• The amount of annual health cover available per family under the 'Ayushman Bharat' scheme is Rs. 5 lakh.
• This cover is provided on a family floater basis, meaning the total amount can be used by one member or shared among multiple members of the family.
• This cover is for eligible families and helps pay for hospitalisation expenses for various medical treatments and procedures.

Therefore, the correct amount of annual health cover is Rs. 5 lakh.

Key Aspects of Ayushman Bharat PM-JAY

Here are some other important points about the scheme:

• Target Beneficiaries: It covers poor and vulnerable families based on the deprivation and occupational criteria of the Socio-Economic Caste Census (SECC) 2011 for rural and urban areas respectively.
• Cashless Hospitalisation: Beneficiaries receive cashless access to health services at the point of service, both in public and empanelled private hospitals.
• Package Based Treatment: The scheme covers medical and surgical packages for various treatments.

Understanding the benefits like the Rs. 5 lakh annual health cover is crucial when studying government welfare schemes like Ayushman Bharat.

Revision Table: Ayushman Bharat Scheme Key Facts

Additional Information: Pillars of Ayushman Bharat

The Ayushman Bharat scheme has two main pillars:

1. Health and Wellness Centres (HWCs): This pillar aims to provide Comprehensive Primary Health Care (CPHC) closer to the community. HWCs offer services like maternal and child health care, non-communicable diseases screening, and free essential drugs and diagnostic services.
2. Pradhan Mantri Jan Arogya Yojana (PM-JAY): This is the health insurance component that provides the Rs. 5 lakh annual health cover per family for secondary and tertiary care hospitalisation, as discussed above.

Both pillars work together to improve the overall health and well-being of the population, focusing on preventive, promotive, and curative healthcare.