AB PM-JAY will be implemented in convergence with existing Gopabandhu Jan Arogya Yojana in Odisha.
- It will provide a cover of Rs. 5 lakh per family per annum with an additional Rs. 5 lakh for women members.
- PM-JAY is one of the components of Ayushman Bharat, other component is Health and Wellness Centres (renamed in 2023 as Ayushman Arogya Mandir).
Ayushman Bharat PM-JAY
- About: World’s largest health insurance/assurance scheme.
- Ministry: Centrally Sponsored Scheme launched in 2018 under Ministry of Health & Family Welfare (MoH&FW).
- Purpose: Achieve vision of Universal Health Coverage.
- Target: 12 crore families (approximately 55 crore beneficiaries).
- Implementing Agency: National Health Authority, an autonomous body under MoH&FW.
- Funding pattern: Fully financed by government.
- 60:40 for states (90:10 for North Eastern States and three Himalayan States (Himachal Pradesh, Uttarakhand and J&K)) and UTs with legislature.
- Central share is 100% for UTs without legislature.
- Benefit: Provides cashless hospital cover of Rs. 5 lakhs/ family/ year for secondary and tertiary care across public and private empanelled hospitals.
- Covers up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses such as diagnostics and medicine.
- In 2024, Union Cabinet approved an expansion of it to all senior citizens aged 70 and above.
Status of PM-JAY
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