15 Benefits of Ayushman Bharat Yojana

Introduction

India has a large population that has seen many circumstances. However, it has always strived to become better and come up with new ways and means for the welfare of society. Our government has always come up with solutions that align with the needs of the larger public. 

Under the vision of Universal Health Coverage, the flagship campaign, Ayushman Bharat, was launched in 2018 by the government of India. It catered to the objective of providing healthcare services to all and also envisioned meeting sustainable development goals. It was not only a revolutionary step but also one of the largest government-funded healthcare schemes in the world.

Every eligible Indian family can get a healthcare cover of Rs. 5 Lacs under the Ayushman Bharat Yojana scheme (PM-Jay), which is the largest in the world in terms of health insurance. The scheme has about 50 crore people it caters to and gives them access to secondary and tertiary hospitalisation care. It accounts for about 40% of vulnerable and poor Indian families. The eligibility for the scheme comes divided among both urban and rural areas. 

 

Ayushman Bharat Yojana

Ayushman Bharat has emerged as one of the largest government-funded schemes ever to exist and has only borne better outputs since its beginning. 

 

There are two components of this comprehensive scheme:

1. Health and Wellness Centres  - Since the launch of the scheme in 2018, the government initiated the creation of about 1,50,000 health and wellness centres. The process involved the upgradation of the sub-centres and primary health centres that already existed. These aim at providing primary healthcare in all corners of the country. With a prime focus on maternal and child care, the HWCs dispense affordable medical care within the stipulated time of as low as 30 mins.

 

1. Pradhan Mantri Jan Arogya Yojana (PM-JAY) - The second component and perhaps the revolutionary bit that changed the picture of healthcare in India is the Pradhan Mantri Jan Arogya Yojana. It envisioned and executed the aim of providing all-inclusive healthcare services and health insurance to the larger public. With constant aid from the government, more and more people were able to avail the PM-JAY, and the status of healthcare in our country only became better. 

 

When the pandemic hit, both of these components proved to be highly useful as the need for these was gravely felt. Ayushman Bharat, with a vision of catering to the medical needs of all the citizens of the country, has proved to be nothing short of a milestone in the healthcare of India. 

 

Ayushman Bharat Benefits/ Ayushman Bharat Health Card Benefits

The Ayushman Bharat Yojana benefits are plenty and come as a welcome move. Ayushman Bharat Card benefits include the following:

 

• Govt. of India financed the largest medical insurance scheme in the world.
• PM-JAY covers around 1,393 medical procedures, such as room charges, operation theatre, diagnostic services, treatment cost, ICU, etc. 
• Pre and post hospitalisation cover is for three days and 15 days, respectively. 
• Up to 5 lacs coverage amounts. 
• Beneficiaries can avail of cashless hospitalisation cover.
• There is no restriction based on gender, family size, or age.
• Pre-existing diseases are covered from the beginning.
• Benefits are available throughout India, whether in a public or a private hospital. 
• Pre hospitalisation expenses are covered.
• Benefits for accommodation are available. 
• Food services are provided. 
• Medical implantation services are provided where necessary.
• Consultation, treatment, and examination are covered. 
• Intensive and non-intensive care services are covered.
• The cost of medicines is covered.

 

Let's discuss some of the benefits of the Ayushman Bharat Yojana scheme (PM-Jay) in detail:

 

Healthcare Cover of 5 lacs for Each Family

The Prime Minister launched the scheme in 2018, and it caters to about 50 crore people who are beneficiaries. The scheme gives a healthcare cover amounting to Rs. 5 lacs. Families that live below the poverty line can get this cover for free. The central and state governments pay the premium for this insurance in a 60:40 ratio.

 

 

Pre-Existing Diseases are Covered

The Ayushman Bharat Yojana scheme covers the pre-existing diseases, and beneficiaries can receive treatment at any government hospital in India. No hospital has the authority to refuse the patients.

 

Secondary and Tertiary Care is Included

People who require secondary and tertiary care are also included. Ayushman Bharat Yojana also covers medical benefits such as urologists' and cardiologists' services, including heart surgery and cancer treatments.

 

Pre and Post Hospitalisation coverage 

The PM-JAY covers the pre-hospitalisation expenses of up to 3 days and 15 days post-hospitalisation as well. It even provides coverage for diagnostics and medicines. 

 

Services Can Be Availed Pan India 

The services that are provided by the PM-JAY and the coverage of expenses can be accessed throughout India.

 

PMJAY Benefits

• All eligible policyholders receive a card that they can use to avail of any services in the PMJAY. 
• Allows for claims that are cashless and hassle-free.
• SECC database families are covered.
• Women, girl children, and senior citizens are prioritised. 

 

Some Diseases Covered in PM-JAY

• Skull base surgery 
• Anterior spine fixation 
• Tissue expander for disfigurement in case of burns
• Prostate cancer
• Pulmonary valve replacement 
• Coronary ABG 

 

Some Exclusions in PM-JAY

• Fertility procedures
• Organ transplants
• OPD expenses
• Drug rehab program
• Cosmetic procedures

 

Most Popular Health Insurance Plans of Niva Bupa

Niva Bupa provides the best health insurance according to your personal needs and comprehensively covers all critical bases. Provide some of the information about yourself, and Niva Bupa would provide the best cover for you. It provides plans such as:

• ReAssure
• Health Companion
• Health Premia
• Heartbeat
• GoActive
• Moneysaver
• Health Pulse
• Seniorfirst 
• Supersaver

 

How to Choose the Best Health Insurance Policy?

• You should choose a policy that ensures that the covered amount is enough to protect you and your family. 
• You should always buy individual health insurance, even if a group insurance plan covers you. 
• You must keep your health insurance provider informed about pre-existing diseases.
• Remember important information like the maximum limits, waiting periods, and the covers provided.
• The sooner you take insurance, the lesser the premium you have to give for the cover.

Each insurance plan that Niva Bupa offers has its advantages. You should go through all the plans and see the details to choose the best insurance plan according to your requirements. 

 

Niva Bupa provides insurance cover for individuals, families, larger families, and specific needs. 

 

Every individual is different, and so are their needs. Keeping this in mind, Niva Bupa provides something suitable for all. The health insurance claims are hassle-free, and you get the best health insurance services. 

 

Key Benefits of Niva Bupa Health Insurance Plans

• Cashless medical treatment
• Coverage of both pre and post hospitalisation
• No claim bonus
• Medical checkup facility
• Co-payment

 

Save your loved ones from financial troubles. Visit Niva Bupa for best health insurance plans in India.