Ayushman Bharat –Pradhan Mantri Jan Aarogya Yojana (AB-PMJAY) Md Mostaque Ahmed PGT Department of Community Medicine GMCH, Guwahati
Background of Ayushman Bharat Ayushman Bharat is an attempt to move from sectoral and segmented approach of health service delivery to a comprehensive need-based health care service.
• About 86% of rural households and 82% of urban households do not have access to healthcare insurance.
• Over 17% of the country’s population spend a minimum of 1/10 th of their household budgets on availing health services.
• Unexpected and serious healthcare problems often lead families to debt.
• Over 19% and over 24% of the urban and rural households respectively meet their healthcare financial needs through borrowings.
Ayushman Bharat PM-JAY This was launched in September 2018 by the Ministry of Health and Family Welfare
A scheme of GOI to provide free access to healthcare for 40% of India’s population. Provides Secondary and Tertiary Health Care Services
It became the World’s Largest Government sponsored healthcare program
Secondary Health Care -Serious illness/injury
-Child Birth
-Hospital Care
-Therapists
-Psychologists Tertiary Health Care -Advanced medical treatment Cancers Complex medical intervention
Structure of Ayushman Bharat PM-JAY
Some features of the scheme - Coverage of Rs.5 lakh per family per annum for secondary and tertiary care across public and private hospitals.
- Approximately 50 crore beneficiaries (over 10 crore poor and vulnerable entitled families) are eligible for the scheme.
- Covers up to 3 days of pre-hospitalization and up to 15 days of post- hospitalization expenses such as medicines and diagnostics.
- Includes costs for diagnostic services, drugs, room charges, physician’s fees, surgeon charges, supplies, ICU and OT charges.
- No restriction on the family size, gender or age.
- The scheme includes 1,393 medical procedures.
Diseases which are covered
- Prostate cancer.
- Double valve replacement. - Coronary artery bypass graft.
- COVID-19.
- Pulmonary valve replacement.
- Skull base surgery.
- Anterior spine fixation.
- Laryngopharyngectomy with gastric pull-up
- Tissue expander for disfigurement following burns.
Diseases which are not covered Out-Patient Department (OPD) expenses. Drug rehabilitation. Cosmetic surgeries. Fertility treatments Individual diagnostics. Organ transplant.
Benefits - Will reduce medical expenditure for many families
- Beneficiary families are said to have saved over Rs.13000 crores.
- Over 60% of the treatments have been done by private hospitals - In 2018, it generated more than 50000 jobs
- Economically weaker sections of society can have access to quality healthcare services without financial hardships.
Who all are not eligible for AB PM-JAY - Those who have mechanized farming equipwheele Who owns a two, three or four- wheeler. those who hold a Kisan card.
Government employees.
Those who own a motorized fishing boat. Those who are earning more than Rs.10,000 per month.
Those who own more than 5 acres of agricultural land.
Those who own landline phones or refrigerators.
Those who live in decently built houses.