Which one of the following isnota feature of the Ayushman Bharat Scheme?
The scheme provides a benefit cover of Rs. 10 lakh per family.
Understanding Ayushman Bharat Scheme Features
The question asks to identify which statement is not a feature of the Ayushman Bharat Scheme. To answer this, we need to examine the core components and benefits offered by the scheme.
The Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a flagship scheme of the Government of India providing health cover to the poorest and vulnerable sections of the population. It aims to provide access to cashless and paperless services at the point of service.
Analyzing the Given Options
Let's evaluate each option provided regarding the features of the Ayushman Bharat Scheme:
- Option 1: There is no cap on family size and age
This statement is a feature of the Ayushman Bharat Scheme (PM-JAY). The scheme covers eligible families based on the Socio-Economic Caste Census (SECC) data, and there are indeed no restrictions on family size or age for members listed in the SECC database. - Option 2: The scheme includes pre- and post-hospitalization expenses.
This is also a feature of the Ayushman Bharat Scheme. The scheme covers specific pre-hospitalization expenses (typically up to 3 days before admission) and post-hospitalization expenses (typically up to 15 days after discharge), covering costs like diagnostics and medicines. - Option 3: A defined transport allowance per hospitalization will also be paid to the beneficiary.
This statement is another feature of the Ayushman Bharat Scheme. The scheme does include a provision for transport allowance to the beneficiary for each hospitalization. - Option 4: The scheme provides a benefit cover of Rs. 10 lakh per family.
This statement is not a feature of the Ayushman Bharat Scheme (PM-JAY). The health cover provided under the Ayushman Bharat PM-JAY scheme is \(\text{Rs. } 5 \text{ lakh}\) per family per year for secondary and tertiary care hospitalization. A cover of \(\text{Rs. } 10 \text{ lakh}\) is incorrect for the standard PM-JAY scheme.
Based on the analysis, Option 4 describes a benefit cover amount that is different from the actual cover provided by the Ayushman Bharat Scheme. Therefore, it is not a feature of the scheme.
Conclusion on Ayushman Bharat Feature
The statement that is NOT a feature of the Ayushman Bharat Scheme among the given options is the one claiming a benefit cover of \(\text{Rs. } 10 \text{ lakh}\) per family. The correct cover is \(\text{Rs. } 5 \text{ lakh}\) per family per year.
| Statement | Is it a Feature of Ayushman Bharat? | Explanation |
|---|---|---|
| No cap on family size/age | Yes | Covers all eligible family members listed in SECC database. |
| Includes pre- & post-hospitalization | Yes | Covers expenses before and after hospitalization for specific periods. |
| Includes transport allowance | Yes | Provides a defined amount for transportation costs. |
| Benefit cover of Rs. 10 lakh | No | The correct cover is \(\text{Rs. } 5 \text{ lakh}\) per family per year. |
Revision Table: Key Ayushman Bharat Features
| Feature | Details |
|---|---|
| Annual Cover | \(\text{Rs. } 5 \text{ lakh}\) per family per year |
| Coverage Type | Secondary and Tertiary Care Hospitalization |
| Eligibility | Poor & vulnerable families based on SECC data |
| Family Size/Age | No cap |
| Pre- & Post-Hospitalization | Included (specific duration) |
| Transport Allowance | Included |
| Nature of Service | Cashless and paperless |
Additional Information on Ayushman Bharat
The Ayushman Bharat scheme is one of the world's largest health insurance/assurance schemes. It was launched in 2018. The scheme aims to cover over 10 crore poor and vulnerable families, which is approximately 50 crore beneficiaries. The benefits under PM-JAY are portable across the country, meaning a beneficiary can avail cashless treatment at any empanelled public or private hospital across India. The scheme covers over 1,949 medical packages, including surgery, medical and day care treatments, cost of medicines and diagnostics.
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