Everything You Need to Know About PM Health Scheme – Ayushman Bharat


Prime Minister Narendra Modi announced

on Independence Day. The project will be launched on the birth anniversary of Deen Dayal Upadhyay, September 25. PM health scheme will be providing us with a life insurance as well as many other health benefits.

The aim of formulating the PM Health Scheme

Moreover, the aim behind formulating the PM health scheme is to cover over ten crore vulnerable families in both urban as well as rural areas and provide then health cover up to rupees 5 lakh per family per year. The PM health scheme marks as the world’s largest health protection scheme. The scheme covers the opportunity for the beneficiaries of attaining cashless benefits from any public / private impaneled hospitals all across the country.

Benefits of the PM health scheme

The Ayushman Bharat scheme covers ten crore families that list in the SECC (Socio-Economic Caste Census) database. The beneficiaries identify the deprivation categories under the database in the rural areas. In the urban areas, the 11 occupational criteria will determine entitlement.

Moreover, no strict limit is set on the family size and age, thus, ensuring that nobody in need is left out of the benefits cover. The PM health scheme covers pre and post – hospitalization expenses. The PM health scheme would be free of discrimination. PM Narendra Modi quotes, “Sabka Sath, sabka Vikas.” This means that Ayushman Bharat will not focus on caste, status or religion, it will be for all and people can take benefit of it from whichever state they are in.

The process for registration

The PM health scheme does not require any registration. A toll-free number has been launched by the Prime minister, i.e. 14555 for the general public to know more about the Ayushman Bharat scheme. Briefly, the PM has decided to inaugurate 10 Wellness centers in Jharkhand, as a part of his scheme.

At this major event, Union health minister JP Nadda stated the launch of the scheme as a big jump in the health sector for the World.

Target of the scheme

The PM health scheme will target poor and deprived rural families as well as the identified occupational category of urban workers’ families. As per the latest Socio-Economic Caste Census,80.3 million in rural and 23.3 million in urban areas will get the benefit. It will cover around 50 crore people in total. As of now, 14 states have finalized their memoranda of understanding with the center.

There are two models under this scheme. Andhra Pradesh, Madhya Pradesh, Assam, Sikkim, Telangana, and Chandigarh are the states that will use a trust model for the Scheme. In a trust model, bills reimburse directly by the government. Gujarat and Tamil Nadu have opted for mixed mode implementation. Not to mention, in an insurance model, the government pays a fixed premium to an insurance company, which pays the hospitals.

Furthermore, the PM Health Scheme would be a role model for all further health schemes around the world. Together with other health policies, this scheme would strengthen the health services in India. In the long run, this scheme will improve the health condition of people.