Stay evergreen with the Ayushman Bharat Scheme

The Aysuhman Bharat Scheme was launched by the Prime Minister of India, Shri Narendra Modi, in 2018. The Prime Minister introduced the scheme in his Independence Day speech calling it the flagship National Health Protection Scheme funded by the Indian Government. This program which is still a part of the country has benefited many poor to fight their health issues.

The Aysuhman Bharat Scheme summarizes two schemes, the Rashtriya Swasthaya Bima Yojana (RSBY) and the scheme known as the SCHIS that stands for the Senior Citizen Health Insurance Scheme. The scheme is said to combat and be of use to the poor, deprived and needy people and households and people belonging to the rural sector. Thus this scheme, also to be called the AB-PMJAY Scheme, is said to be beneficial.

What is the Aysuhman Bharat Scheme, also known as the PMJAY Scheme?

The Aysuhman Bharat Scheme that was rolled out on Independence Day, 2018, is one of the biggest and largest schemes wholly sponsored by the Government of India. The scheme has been rolled out to have vast coverage and cover more than 50 crore Indian citizens that include almost as large as ten crore families belonging to the underprivileged sector. 

The Aysuhman Bharat Scheme does not limit the size of the family of an individual or even the ages of each family member. As per the Aysuhman Bharat Scheme, the families can enjoy insurance coverage in the health care sector up to a limit of Rs. 5 lakhs per family. It is an innovative and modernized scheme that is paperless and cashless and covers hospitalization in public hospitals and private network hospitals.

Some of the key features of the PMJAY or the Aysuhman Bharat Scheme

The Aysuhman Bharat Scheme has various features and is a much-modified version of the previous health care schemes in the country. The scheme is supposed to have vast coverage and be innovative. 

Some of the key features of the scheme include the fact that the scheme is a family scheme that has been designed especially for people belonging to the below poverty line. Furthermore, the Aysuhman Bharat Scheme will also be providing a cashless service with medical treatment expenses.

The scheme even plans to provide coverage for specific pre-existing diseases and redeems the money spent on transportation included in the pre and post-hospitalization charge. The Government will be determining a package rate beforehand, and the payment of the health and medicine expenses will be done based on that package.

Some of the key advantages of the PMJAY or the Aysuhman Bharat Scheme

The Aysuhman Bharat Scheme is filled with various benefits and advantages that make it one of the most innovative and promising schemes in the Indian Health sector.

Under the scheme, the households can avail free healthcare and treatment free of cost irrespective of where they belong. That means that the scheme can be availed free of cost from any part of the country.

The Aysuhman Bharat Scheme covers many complicated surgical and medical health treatments and packages that include heart diseases, cardio-based surgeries, neurosurgery and many more. Furthermore, the scheme also covers up to 25 categories in the specialty sector.

If the patient under the scheme undergoes multiple surgeries, the scheme will cover the expenses with the highest package for the first surgery. Subsequently, a 50% and 25% portion of the cost will be covered for the second and third surgeries, respectively.

Who is eligible under the Aysuhman Bharat Scheme?

The people belonging to both the rural and the urban sector of the country are free to avail the Aysuhman Bharat Scheme. However, there are specific guidelines that are to be complied with while determining eligibility. 

The household must lack an adult or a male working member belonging to the age group of 16-59 years for the rural segment. They should be living in a kutcha roof house. The households should not have any member who is disabled and a healthy member who is an adult. They could be people who are landless and earn through manual labour.

For the urban people, the eligibility criterion includes a person who is a domestic worker, a beggar or a person who is a rag picker. Furthermore, construction workers, labourers, malis, sweepers, security guards, hawkers, street vendors, conductors, cart pullers, waiters etc., are also included in the scheme.

What are the critical diseases that are covered in the Aysuhman Bharat Scheme?

The Aysuhman Bharat Scheme covers a variety of diseases that belong to both the critical and non-critical categories. The scheme offers around one thousand three hundred and fifty healthcare and medical packages to benefit its members.

Some of the illnesses that the Aysuhman Bharat Scheme covers include prostate cancer, anterior spine fixation, surgery of the pulmonary valve, and skull base surgery. Furthermore, the scheme also covers the carotid angioplasty with a stent, coronary artery bypass grafting, double valve replacement surgery, and the tissue expander for disfigurement resulting from severe burns.

Does the PMJAY or the Aysuhman Bharat Scheme cover the Coronavirus or the COVID-19 treatment?

The coronavirus pandemic has shaken the world tremendously and has put the health sectors worldwide under tremendous pressure. Countries around the world are struggling to maintain health stability, and India is no different.

Under these dark times, the question arises whether the Aysuhman Bharat Scheme or the PMJAY will be covering the COVID-19 related treatments’. According to the details of the Insurance Regulatory and Development Authority of India (IRDAI), all healthcare insurance and mediclaim providers will be providing and covering for the hospitalization charges regarding the Coronavirus disease.

Therefore, the Aysuhman Bharat Scheme will also be providing coverage for the COVID-19 treatment. Thus, the Aysuhman Bharat Scheme will be applied similar to any other medical requirement towards the households if they are eligible for the same. The scheme will cover various expenses that include Coronavirus testing, quarantine and isolation charges, and expenses, treatment expenses and many more.

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