Question
Briefly describe the key features of PM-JAY under Ayushman Bharat.
Answer :
Word Count : 608
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Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in September 2018 under the Ayushman Bharat initiative, is one of the world's largest government-funded health insurance and assurance schemes. It aims to achieve Universal Health Coverage (UHC) by providing financial protection against catastrophic health expenditures and ensuring equitable access to quality healthcare for economically vulnerable families. PM-JAY primarily targets poor and deprived households identified through the Socio-Economic Caste Census (SECC) 2011 in rural areas and specified occupational categories in urban areas. One of the most significant features of PM-JAY is the provision of health insurance coverage of up to ₹5 lakh per family per year for secondary and tertiary healthcare services. The coverage is provided on a family floater basis, allowing any member of the family to utilize the insured amount according to medical needs. There is no restriction on family size, age, or gender, making the scheme highly inclusive. PM-JAY offers cashless and paperless treatment at empanelled public and private hospitals across India. Beneficiaries are not required to pay for covered medical services at the point of care. This feature reduces financial hardship and improves access to quality healthcare, particularly for low-income households that often postpone or avoid treatment due to cost
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