Pradhan Mantri Jan Arogya Yojana (PM-JAY)

Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)

• Under this scheme, around 10.74 crore poor and vulnerable families identified as per Socio-Economic Caste Census are entitled for health cover of Rs. 5.00 lakh per family per year for secondary and tertiary care hospitalization. 
• PMJAY provides cashless and paperless access to services for the beneficiary at the point of service. 
• It is a Centrally Sponsored Scheme and the nodal agency to implement it is the National Health Authority (NHA).
• It covers up to 3 days of pre-hospitalization and 15 days of post-hospitalization expenses such as diagnostics and medicines.
• There is no restriction on the family size, age or gender.
• PM-JAY was earlier known as the National Health Protection Scheme (NHPS) before being rechristened. It subsumed the then-existing Rashtriya Swasthya Bima Yojana (RSBY) which had been launched in 2008.  The coverage under PM-JAY, therefore, also includes families that were covered in RSBY but are not present in the SECC 2011 database.

What is the contribution of Health insurance in the growth of the general insurance industry in India? Discuss recent government schemes in the sector. (250 words)

Approach

• Introduction- brief overview of health sector of India
• Need of health insurance
• Contribution of health insurance
• Recent government schemes
• Conclusion