{"id":4060,"date":"2024-02-10T17:48:44","date_gmt":"2024-02-10T12:18:44","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=4060"},"modified":"2024-02-10T17:50:54","modified_gmt":"2024-02-10T12:20:54","slug":"budget-2024-impact-of-insurance-cover-under-ayushman-bharat-health-insurance-scheme","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/budget-2024-impact-of-insurance-cover-under-ayushman-bharat-health-insurance-scheme\/","title":{"rendered":"Budget 2024: Impact of Insurance cover under Ayushman Bharat health insurance scheme"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/budget-2024-impact-of-insurance-cover-under-ayushman-bharat-health-insurance-scheme\/#What_is_the_Ayushman_Bharat_Yojana_Pradhan_Mantri_Jan_Arogya_Yojana\" >What is the Ayushman Bharat Yojana \/ Pradhan Mantri Jan Arogya Yojana?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/budget-2024-impact-of-insurance-cover-under-ayushman-bharat-health-insurance-scheme\/#What_is_an_Ayushman_card\" >What is an Ayushman card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/budget-2024-impact-of-insurance-cover-under-ayushman-bharat-health-insurance-scheme\/#The_following_are_the_two_key_components_of_%E2%80%98Ayushman_Bharat\" >The following are the two key components of \u2018Ayushman Bharat\u2019<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/budget-2024-impact-of-insurance-cover-under-ayushman-bharat-health-insurance-scheme\/#10_Benefits_of_the_PMJAY_Scheme\" >10 Benefits of the PMJAY Scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/budget-2024-impact-of-insurance-cover-under-ayushman-bharat-health-insurance-scheme\/#Pradhan_Mantri_Jan_Arogya_Yojana_in_alliance_with_the_States\" >Pradhan Mantri Jan Arogya Yojana in alliance with the States<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/budget-2024-impact-of-insurance-cover-under-ayushman-bharat-health-insurance-scheme\/#Budget_2024\" >Budget 2024<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_Ayushman_Bharat_Yojana_Pradhan_Mantri_Jan_Arogya_Yojana\"><\/span><b>What is the Ayushman Bharat Yojana \/ Pradhan Mantri Jan Arogya Yojana?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">India\u2019s largest government-sponsored healthcare program, the Ayushman Bharat yojana (also called Pradhan Mantri Jan Arogya Yojana) aims at providing health coverage to economically weaker sections of society. The scheme was launched in September 2018.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ayushman Bharat yojana provides cashless health benefits to eligible families for a maximum of Rs.5 lakh per annum per beneficiary. The benefits are available at all impaneled health care facilities and healthcare providers all over the country. It is one of the largest healthcare insurance programs on a global level. The scheme is expected to cover around 50 crore beneficiaries in India.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">PMJAY covers the following healthcare services: Diagnostic tests Doctor consultations Treatment of various diseases Secondary and tertiary hospitalizations ICU charges and other medical expenses<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-4062\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2024\/02\/larger-8.png\" alt=\"\" width=\"1920\" height=\"1080\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_an_Ayushman_card\"><\/span><b>What is an Ayushman card?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Ayushman card, which provides access to a network of public and private hospitals throughout India, is issued by the national health administration. This card is similar to another government effort called the ABHA health card in that it can be used to receive cashless treatment and hospitalization at certain network institutions.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_following_are_the_two_key_components_of_%E2%80%98Ayushman_Bharat\"><\/span><b>The following are the two key components of \u2018Ayushman Bharat\u2019<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Establish Health and Wellness Centres (HWCs): The initiative, which was introduced in February 2018, aims to create 1,50,000 Health and Wellness Centers (HWCs) to offer comprehensive healthcare services to citizens in the vicinity of their homes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><i><span style=\"font-weight: 400;\">Pradhan Mantri Jan Arogya Yojana<\/span><\/i><span style=\"font-weight: 400;\"> (PM-JAY): The program, which went live in September 2018, was designed to provide secondary and tertiary medical services to the most disadvantaged members of society. The policy&#8217;s objective was to provide secondary and tertiary care hospitalization coverage worth Rs. 5 lakhs per family annually to around 10.74 crore poor and vulnerable families (about 50 crore beneficiaries), who make up the poorest 40% of India&#8217;s population.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"10_Benefits_of_the_PMJAY_Scheme\"><\/span><b>10 Benefits of the PMJAY Scheme<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here are the top 10 primary benefits of the PMJAY scheme for the vulnerable sections of society.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Healthcare cover of Rs. 5 lakh per family<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The goal of the Ayushman Bharat Yojana is to serve 50 crore people. Families below the poverty level receive a health coverage of Rs. 5 lakhs. Since the yearly premiums are split 60:40 between the federal and state governments, health coverage is provided at no cost.<\/span><\/p>\n<ol start=\"2\">\n<li><span style=\"font-weight: 400;\"> All families listed in the SECC database to be covered\u00a0<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Participants in the program are selected from the 2011 Socio-Economic and Caste Census (SECC). Two crore households live in metropolitan parts of India, and the remaining eight crore families come from rural areas.<\/span><\/p>\n<ol start=\"3\">\n<li><span style=\"font-weight: 400;\"> Priority to the girl child, women, and senior citizens<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The size of the family and age are not limited because everyone is covered by this health insurance. Additionally, the plan gives special consideration to women, children\u2014especially girls\u2014and people over 60.<\/span><\/p>\n<ol start=\"4\">\n<li><span style=\"font-weight: 400;\"> It includes secondary and tertiary care<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The program gives persons in need access to supplemental healthcare benefits from urologists and cardiologists, among other specialists. Additionally, cutting-edge medical care is covered, including that for heart surgery, cancer, and other conditions.<\/span><\/p>\n<ol start=\"5\">\n<li><span style=\"font-weight: 400;\"> All pre-existing diseases covered<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Unlike most insurance plans, the PMJAY mandates care in all public hospitals and covers pre-existing conditions. This implies that no one who needs medical attention can be turned away.<\/span><\/p>\n<ol start=\"6\">\n<li><span style=\"font-weight: 400;\"> Cashless and paperless registration and administration.\u00a0<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">To eliminate out-of-pocket costs, PMJAY wants to eliminate cash from the healthcare payment process. Beneficiaries of PMJAY can also get treatment anywhere in India.<\/span><\/p>\n<ol start=\"7\">\n<li><span style=\"font-weight: 400;\"> Substantial reduction of out-of-pocket expenditure<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">All hospitals, both public and private, that accept PMJAY beneficiaries cannot charge more for medical care. This is to lessen service delays and corruption.<\/span><\/p>\n<ol start=\"8\">\n<li><span style=\"font-weight: 400;\"> Private sector participation in helping to achieve public health goals<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Due to the scheme&#8217;s broad coverage, private healthcare providers will be paid for their services. It is anticipated that this plan will help stimulate the manufacturing of pharmaceuticals and medical equipment at lower costs.<\/span><\/p>\n<ol start=\"9\">\n<li><span style=\"font-weight: 400;\"> Improvement of quality of life of the population<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">This scheme will improve the quality of life of the weaker sections of society. They will get timely care and finances to tackle their health issues.<\/span><\/p>\n<ol start=\"10\">\n<li><span style=\"font-weight: 400;\"> Broadening the health insurance network<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">PMJAY will lead to improved infrastructure development in rural and impoverished communities across the country. This will make healthcare more accessible to more Indians. The government has created 1,350 medical packages that come with a range of healthcare services. Under the PMJAY health plan, this includes hospital stays, surgeries, daycare facilities, and prescription medication.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Pradhan_Mantri_Jan_Arogya_Yojana_in_alliance_with_the_States\"><\/span><b>Pradhan Mantri Jan Arogya Yojana in alliance with the States<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Through national conclaves, sectoral working groups, intensive field exercises, and the piloting of key modules, stakeholders from all States and UTs provided input into the architecture and formulation of the scheme, resulting in a truly federal process.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Because the Scheme is principle-based rather than rule-based, States are given sufficient latitude in terms of packages, procedures, scheme design, entitlements, and other guidelines, all the while guaranteeing the important national benefits of fraud detection and portability.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">States will be free to select the modes of implementation and may choose to use an already-existing Trust or Society or establish a new Trust or Society to carry out the Scheme as a State Health Agency.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">States may choose to deploy the Scheme directly through the Trust\/Society\/Implementation Support Agency, via an insurance company, or by using a combination of the two methods.<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Budget_2024\"><\/span><b>Budget 2024<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To serve 500 million people, this means-tested program co-funded by the federal and state governments is the biggest government-sponsored healthcare program globally. In addition to primary care, PMJAY provides coverage up to Rs 5 lakh per family per year for inpatient needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Furthermore, as per the FM, a committee should be established to expand the number of medical colleges that offer health care coverage under Ayushman Bharat to all Asha workers. Girls in the 9\u201314 age range will receive a vaccination against cervical cancer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Under the Ayushman Bharat insurance system, all Anganwadi workers and helpers, as well as Accredited Social Health Activists (ASHA), would receive healthcare coverage. The government will organize a committee to look into the situation and wants to use the infrastructure of current hospitals to set up additional medical institutions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An increase of Rs 6,800 crore to Rs 7,500 crore has been made in the interim budget for the Pradhan Mantri Jan Arogya Yojna (PMJAY).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With the government\u2019s continuous efforts to increase awareness and strengthen the infrastructure, the <\/span><i><span style=\"font-weight: 400;\">Ayushman Bharat<\/span><\/i><span style=\"font-weight: 400;\"> scheme is expected to gain higher momentum in the future and the yojana meet its goal of achieving universal health coverage.<\/span><\/p>\n<p><strong>By- Priyanshi Aggarwal<\/strong><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here to register your complaint with Insurance Samadhan<\/strong><\/a><\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/budget-2024-impact-of-insurance-cover-under-ayushman-bharat-health-insurance-scheme\/\"\n  },\n  \"headline\": \"Budget 2024: Impact of Insurance cover under Ayushman Bharat health insurance scheme\",\n  \"description\": \"Ayushman Bharat Yojana (PMJAY) provides up to Rs. 5 lakh health coverage annually per beneficiary, targeting India's economically weaker sections.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2024\/02\/larger-8.png?resize=640%2C360&ssl=1\",\n    \"width\": 1920,\n    \"height\": 1080\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Insurance Samadhan\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": 224,\n      \"height\": 47\n    }\n  },\n  \"datePublished\": \"2024-02-10\",\n  \"dateModified\": \"2024-02-10\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is the Ayushman Bharat Yojana \/ Pradhan Mantri Jan Arogya Yojana? India\u2019s largest government-sponsored healthcare program, the Ayushman Bharat yojana (also called Pradhan Mantri Jan Arogya Yojana) aims at providing health coverage to economically weaker sections of society. The&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/budget-2024-impact-of-insurance-cover-under-ayushman-bharat-health-insurance-scheme\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":4061,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[365,366],"tags":[],"class_list":["post-4060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ayushman-bharat-yojana","category-pradhan-mantri-jan-arogya-yojana"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Budget 2024: Impact of Insurance cover under Ayushman Bharat health insurance scheme - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Ayushman Bharat Yojana (PMJAY) provides up to Rs. 5 lakh health coverage annually per beneficiary, targeting India&#039;s economically weaker sections.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancesamadhan.com\/blog\/budget-2024-impact-of-insurance-cover-under-ayushman-bharat-health-insurance-scheme\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Budget 2024: Impact of Insurance cover under Ayushman Bharat health insurance scheme - 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