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Ayushman Bharat To Cover 75% Indians

IndianMoney.com Research Team | Posted On Tuesday, June 04,2019, 02:42 PM

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Ayushman Bharat To Cover 75% Indians

 

 

Ayushman Bharat also called Modicare is PM Modi’s pet scheme. Prime Minister Narendra Modi launched the Ayushman Bharat scheme on September 23rd 2018. The scheme aims to cover 10 crore poor and vulnerable families in India, (This is around 50 crore beneficiaries), with health insurance. This is health insurance coverage of Rs 5 Lakhs per family per year, for secondary and tertiary care hospitalization.

The Ayushman Bharat scheme currently covers 40% of the people in India. The scheme aims to set up 1.5 Lakh health and wellness centres across India. Under Modi 2.0, Ayushman Bharat aims to expand in a big way. The Modi Government plans to bring 75% of all Indians under the Ayushman Bharat scheme. All state and central government-run health insurance schemes would be merged under the Ayushman Bharat scheme.

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Ayushman Bharat To Cover 75% Indians

Salient Features of Ayushman Bharat

  • Ayushman Bharat offers defined benefit cover of Rs 5 Lakh per family per year.
  • A beneficiary covered under Ayushman Bharat enjoys cashless health benefits from public and private empanelled hospitals across India.
  • Payment for treatment at hospitals is done on package rate.
  • All states in India would set up SHA (State Health Agencies), to implement the Ayushman Bharat scheme. The transfer of funds from the Central Government to the State Government is done via an escrow account.
  • In partnership with NITI Aayog, a robust and interoperable platform would be launched to help with cashless and paperless transactions.

Why Ayushman Bharat?

  • The poor and the sick in India wait for years for quality healthcare and treatment. These crores of poor Indians will soon have access to quality healthcare.
  • Several middle-class Indians are burdened with high healthcare costs for the treatment of non-communicable and infectious diseases. Then there are accidents and trauma. Ayushman Bharat could take the heavy medical burden, off the backs of crores of middle-class Indians.
  • Private hospitals treat most of the ailments in India. They cater mainly to the rich and those who can afford to pay. This is why out-of-pocket expenses are high in India. Ayushman Bharat is a pro-poor move with the ability of changing how healthcare is delivered in India. Modicare gives the power of choice to the poor and vulnerable in India.
  • Modicare encourages public-private partnership in India. The scheme aims to set-up 1.5 Lakh health and wellness centers. Public and private firms must join together to make Ayushman Bharat a success with measurable goals. Private players could enjoy tax benefits to promote Ayushman Bharat scheme.
  • Out of pocket expenses for healthcare in India have gone up more than 60%. More than 6 crore Indians just cannot cope with the high medical costs. Ayushman Bharat is a must to drag all these families out of the poverty net.

See Also: All You Need to Know About Ayushman Bharat Yojana

How Ayushman Bharat Can Cover 75% Indians?

All Central Government-run schemes like Rashtriya Swasthya Bima Yojana (RSBY), Central Government Health Scheme (CGHS), Employees’ State Insurance (ESI), Ex-servicemen Contributory Health Scheme (ECHS) and the railways health scheme must be merged with Ayushman Bharat by the end of this year. This would bring more than 75% of Indians under Ayushman Bharat. This move would help both the center and the state, run Ayushman Bharat in a much better way.

The Government also raised the allocation towards Ayushman Bharat Scheme to Rs 6,400 crores in Union Budget 2019. This is a whopping 167% rise from the Rs 2,400 crores, allocated in 2018-19. This kind of budget can bring healthcare to crores of Indians.

Modicare improves the paying capacity of crores of Indians, especially those in rural areas. With more money in the hands of the rural poor, private hospitals will open in rural areas bringing quality healthcare to the doorsteps of crores of Indians. This can bridge the rural-urban divide in India.

The Government with 1.5 Lakh health and wellness centres would double public health expenditure as a share of GDP to 2.5% by 2025. This could be a game changer for healthcare in India.

The Government is looking to eradicate malaria and tuberculosis in India. It also looks at screening measures to remove the burden of non-communicable diseases like diabetes and hypertension. Drug prices must be reduced with a formula to cap trade margins. The Government has already made a start by capping the trade margin at 30% vis-a-vis 42 non-scheduled cancer drugs.

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