With the motto of every life holds immeasurable value, India’s Ayushman Bharat Yojana has become a ray of light, improving the lives of millions. This scheme strives to provide everyone access to high-quality healthcare regardless of their financial status.
From the beginning, the scheme has worked tirelessly to assist people in most need. According to the most recent data, the scheme has effectively provided health coverage to over 500 million people, making it one of the world’s largest healthcare schemes. This has had a significant effect on public health.
But what is this scheme all about? How does it help? This article will walk you through it and also cover the common health conditions the scheme covers.
What is Ayushman Bharat Yojana?
The Ayushman Bharat scheme is an initiative of the Indian government to help poor families receive better healthcare. It was launched in September 2018 to provide financial safety and access to healthcare to millions of poor and economically weaker families throughout the country.
The primary goal of the scheme is to address the issue of excessive medical treatment costs, which frequently cause financial challenges for families, particularly those living below the poverty line.
The programme offers health insurance plans coverage for various medical treatments and hospitalisation costs, ensuring that high medical fees do not burden families. It has two major parts:
1. Health and Wellness Centres (HWCs)
Ayushman Bharat’s core pillars are health and wellness centres. These facilities are designed to provide primary healthcare to individuals in their communities. The purpose is to provide required medical services closer to the homes of all citizens, especially those living in remote or rural areas.
2. Pradhan Mantri Jan Arogya Yojana (PM-JAY)
PM-JAY is a health insurance system meant to safeguard vulnerable and economically disadvantaged members of society financially. This programme provides eligible families with insurance coverage up to a specified sum that may be used for hospitalisation and treatment of serious diseases.
What are the Features of Ayushman Bharat Yojana?
This scheme boasts several key features aimed at providing comprehensive health coverage to its citizens. Some of them are:
1. Universal Healthcare Access
It ensures that all policyholders have access to healthcare services, regardless of their financial status.
2. Cashless and Paperless Transactions
Policyholders can receive medical treatment at empanelled hospitals. This means they do not need to pay for the services in cash. Instead, the payments are directly settled between the hospital and the government or insurance provider.
3. Extensive Empaneled Hospitals
Many trusted hospitals are partnered with the scheme, providing individuals with a wide choice of healthcare facilities.
4. Wide Range of Covered Treatments
This scheme covers various medical treatments so policyholders can get help for various health issues.
What are the Benefits of Ayushman Bharat Yojana?
The Ayushman Bharat Yojana offers several benefits to its policyholders. Some of them are:
1. Financial Protection
Policyholder families get protection from high medical expenses as the scheme covers treatment costs for serious illnesses.
2. Reduced out-of-Pocket Expenses
With the help of this scheme, policyholders do not have to worry about paying large amounts of money from their pocket for medical services.
3. No-Waiting Period
Ayushman Bharat Yojana offers immediate coverage with no waiting period. Policyholders can avail of the benefits from day one of the enrollment.
4. Alternate Medicine Coverage
The scheme also covers alternative and traditional forms of medicine like Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy (AYUSH), giving policyholders more holistic healthcare options.
What are the Health Issues Covered Under Ayushman Bharat Yojana?
There are various health issues under Ayushman Bharat Yojana, ensuring that policyholders can access medical treatments for various illnesses and conditions. Some of the health issues covered are:
- Cardiovascular diseases
- Cancer treatment, including chemotherapy, radiotherapy, and surgical procedures.
- Neurological disorders
- Kidney-related treatments
- Orthopaedic procedures
- Organ transplant
- Infections, pneumonia
- Pregnancy-related illnesses
- Neonatal and pediatric care for newborns and young children.
- Diabetes management and related treatments.
Conclusion
This scheme has emerged as a lifeline for millions of Indians, offering a glimmer of hope and relief in healthcare. While this scheme has been instrumental in transforming India’s healthcare landscape, ensuring comprehensive protection for their family’s health is essential.
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