The Ayushman Bharat Yojana, launched by the Government of India, has become a major relief for the economically weaker sections of the country. This scheme was launched in 2018 to enable poor and needy families to receive treatment for serious illnesses without any financial burden.
It is also known as the Pradhan Mantri Jan Arogya Yojana (PM-JAY), and under this scheme, eligible families receive cashless health insurance coverage of up to Rs. 5 lakh every year.
The Ayushman Bharat Yojana: What is it?
The central government’s ambitious Ayushman Bharat Yojana provides free medical care in government and affiliated private institutions to a chosen group of households. The fact that the patient is not required to make any out-of-pocket payments throughout treatment is the scheme’s greatest benefit. In order to ensure that low-income families obtain prompt and superior medical care, the entire treatment is carried out through a cashless and paperless method.
Which illnesses are covered by the Ayushman Bharat Yojana?
The main purpose of this program is to treat severe and potentially fatal illnesses. It covers complicated medical treatments like brain and spine surgery, cancer, heart disorders, and kidney transplants.
The Ayushman Bharat Yojana also covers costly procedures for which the patient is not charged, including as heart valve replacement, pacemaker implantation, prostate cancer therapy, renal transplantation, and corneal transplantation.
Which medical procedures are not covered by the Ayushman Bharat Yojana? Expenses like routine check-ups, minor medications, general blood tests, Xrays, and general consultation fees at OPDs are not covered by this plan. Furthermore, this plan does not cover cosmetic, plastic, or beauty-related surgeries. Only serious illnesses and treatments requiring hospitalisation are eligible for the Ayushman Bharat Yojana.
What makes the Ayushman Bharat Yojana crucial for the underprivileged?
Treatment for major illnesses has become very costly for the average person these days. The Ayushman Bharat Yojana serves as a robust safety net for the disadvantaged segments of society in such circumstances.
By guaranteeing that those in need receive timely and adequate medical care, this program not only helps them live a safe and dignified life but it also covers the expense of treatment.
FAQs on Ayushman Bharat Yojana
Q1. What is Ayushman Bharat Yojana?
Ayushman Bharat Yojana is a government health insurance scheme that provides up to ₹5 lakh per family per year for cashless treatment at empanelled hospitals.
Q2. Which diseases are covered under Ayushman Bharat Yojana?
The scheme covers major illnesses such as heart diseases, cancer treatments, kidney transplants, brain and spine surgeries, and other serious medical conditions requiring hospitalisation.
Q3. Is treatment completely free under Ayushman Bharat Yojana?
Yes, eligible beneficiaries can receive cashless treatment without paying anything at the hospital, provided the treatment is included under the scheme and done at an empanelled hospital.
Q4. Are OPD services covered under Ayushman Bharat Yojana?
No, OPD consultations, routine check-ups, basic diagnostic tests, and minor medicines are not covered under the scheme.
Q5. Who is eligible for Ayushman Bharat Yojana benefits?
Eligibility is based on socio-economic criteria defined by the government. Families listed in the SECC database or state-approved beneficiary lists can avail the benefits.
Also Read: Ayushman Bharat Yojna Kya Hai।
