Prime Minister Narendra Modi launched the Ayushman Bharat Scheme in September 2018. Popularly called the PM Jan Arogya Yojana or PMJAY, it targets the poor and deprived rural families in India. More than 10 crore families in rural and urban areas (This is around 50 Crore people), will be covered under the Ayushman Bharat Scheme.
The Ayushman Bharat Scheme offers defined health benefit cover of Rs 5 Lakh a family per year for secondary and tertiary care hospitalization. The Ayushman Bharat Scheme makes sure there is no poor and needy person left out of the ambit of the scheme. Women, children and the elderly are all covered under the scheme. Ayushman Bharat Scheme is cashless at public hospitals and empanelled private hospitals.
These rural families are automatically included in Ayushman Bharat Scheme. These are households without shelter, destitute and people living on alms, manual scavengers, primitive tribals and legally released bonded labor.
In urban areas, beggars, rag-pickers, street vendors, cobblers, hawkers, coolies, security guards, construction workers, helpers to drivers and conductors, electricians, mechanics, assemblers and repair workers among others.
The Ayushman Bharat Scheme covers hospitalization expenses for secondary and tertiary care procedures. There are more than 1,354 packages under Ayushman Bharat Scheme covering bypass, knee replacements and stenting among others. You would get these at 15-20% cheaper rates than Central Government Health Scheme (CGHS).
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The Ayushman Bharat Scheme completed one year on September 2019. This brings the question, what makes the Ayushman Bharat scheme a success?
Malaria, TB and HIV collectively kill less than 40 Lakh people a year across the World. Lack of access to safe surgery kills 1.7 Crore people a year. Most of these surgeries are the simple ones, Surgery for burst appendix, caesarean section for obstructed delivery and surgery for compound fractures.
While the focus is on Malaria and TB and rightly so, not much attention is being paid to these crucial surgeries which save lakhs of lives in India.
The Ayushman Bharat Scheme sponsors the secondary and tertiary healthcare for the poor in India. This takes care of crucial surgeries and with good infrastructure; better medical treatment would be available for malaria and TB.
The Ayushman Bharat Scheme aims to cover 50 Crore poor people in India, bringing them crucial healthcare services. Already more than 10 Crore people have signed up for the Ayushman Bharat scheme. This is 25% of the target reached. While this scheme is doing great, there’s slow enrolment in large states like Gujarat, Uttar Pradesh, and Maharashtra. These states have covered only 35% of the eligible families. More needs to be done here.
See Also: Ayushman Bharat To Cover 75% Indians
Many people in India lose hard earned money to costly medical bills. This is because most Indians bear medical expenses out of pocket. PM Modi says, “If any one person’s land, house, ornaments or any other items were saved from being mortgaged or sold for medical treatment, “then it is a huge success of Ayushman India”.
The Ayushman Bharat Scheme hits 2 birds with one stone. It aims to cover 10 Crore poor families in India with secondary and tertiary healthcare services, up to Rs 5 Lakhs a year. Then, more than 1.5 Lakh sub-centers and primary health centers would be converted to health and wellness centers by 2022. This improves medical infrastructure in the country. The Prime Minister also said that we are running the World’s largest health care scheme. He also said that Ayushman Bharat Scheme will generate 11 Lakh new jobs in the next 5-7 years.
The monsoon, drought and flooding in various parts of India has resulted in vector-borne diseases like malaria and dengue flooding India’s public health system. However, two-thirds of hospitals and four-fifths of doctors are located in urban areas. This means the Indian healthcare system caters to mainly the urban areas.
So, Ayushman Bharat Scheme is a must for the poor people in India. Now, public-private collaboration is the way forward for the Indian healthcare sector and Ayushman Bharat.
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