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Pradhan Mantri Jan Arogya Yojana launched under Ayushman Bharat is the world's largest health insurance scheme. It aims to provide health insurance of Rs 5 lakh per year to more than 12 crore poor and vulnerable families. In this scheme, beneficiary families get free treatment in government and private hospitals associated with the scheme.
Key features of PM-JAY
- PM-JAY is the world's largest health insurance/assurance scheme entirely financed by the government.
- It is Rs.1 per family per year for secondary and tertiary care in public and private empaneled hospitals in India. Is. Provides a cover of Rs 5 lakh.
- More than 12 crore poor and vulnerable families are eligible for this benefit.
- PM-JAY provides cashless health care services to the beneficiary at the point of service i.e. hospital.
- PM-JAY aims to help reduce excessive expenditure on medical treatment.
- Covers expenses like diagnosis and medicine etc. up to 3 days before hospitalization and up to 15 days after hospitalization.
- The benefits of this scheme are available across the country, i.e. the beneficiary can go to any listed public or private hospital in India for cashless treatment.
- These services cover approximately 1,929 procedures.
- It covers all treatment related expenses including medicines, supplies, diagnostic services, doctor fees, room fees, surgeon fees, OT and ICU charges, etc.
How to get benefit?
The beneficiary will not need any special card for PMJAY scheme. All government and private hospitals associated with this scheme will have “Ayushman Help Desk” for the beneficiary to establish his/her identity only. Where the beneficiary will have to prove his/her eligibility, documents. After proving eligibility, the beneficiary will not have to spend a single rupee for treatment up to Rs 5 lakh.
This includes illness and surgery
Every poor citizen of the country will get free benefits from major diseases to major operations and hospital procedures. The operations include bypass surgery, cataract, corneal grafting, orthoplasty, chest fracture, urological surgery, cesarean delivery, dialysis, spine surgery, brain tumor surgery and various cancer surgeries. A total of 1350 types of surgeries, tests and procedures will be available.
All patient related transactions will be paperless and cashless. For this, in partnership with NITI Aayog, an I.T. The platform will be operated. Apart from this, the amount received by the beneficiary will be deposited directly into the account through direct debit transfer. The Central Government bears 60 percent of the cost and the State Government bears 40 percent of the amount received by the beneficiary.
Who gets the benefit?
This scheme will benefit all the families marked as poor during the 2011 census.
There is no limit on age or family size in this scheme.
There are more than 2.50 lakh common service centers across the country for information about the scheme.
Families whose names are not in the scheme can inquire at the Common Service Centre.
Information regarding the scheme can also be obtained from helpline number 14555.
You can check their name on the website https://mera.pmjay.gov.in.