Ayushman Bharat Yojana

Post Name : Ayushman Bharat Yojana : Check its Significance, Impact, and Objectives
Post Date :  08 May , 2024
Post Description : Ayushman Bharat Yojana, launched in September 2018, is India’s ambitious healthcare scheme aimed at providing financial protection to over 500 million vulnerable citizens against catastrophic healthcare expenses. It comprises two key initiatives: the Pradhan Mantri Jan Arogya Yojana (PM-JAY) and the Health and Wellness Centres (HWCs) program. Through these initiatives, Ayushman Bharat aims to address the dual challenges of access and affordability in healthcare, thereby improving health outcomes and reducing the financial burden on individuals.

Overview of Ayushman Bharat Yojana

Scheme Description:

  • Ayushman Bharat Yojana includes PM-JAY, the world’s largest government-funded healthcare program.
  • Provides health insurance coverage of up to INR 5 lakhs per family per year for secondary and tertiary care hospitalization.
  • Operates on the principle of portability, allowing cashless treatment across empaneled hospitals.


  • Determined using the Socio-Economic Caste Census (SECC) database.
  • Rural and urban families meeting specific deprivation criteria outlined in the scheme.


  • Reduces financial burden by covering medical expenses, including pre-existing conditions.
  • Ensures comprehensive coverage with quality medical services and minimum standard maintenance in hospitals.
  • Catalyzes healthcare reform and job creation, with significant savings for beneficiary families.

Diseases Covered:

  • Encompasses 1,400 medical procedures, including critical ailments like cardiac surgeries, cancer treatment, and COVID-19 care.


  • Prioritizes poor and deprived rural families, along with identified urban occupational groups.
  • Focuses on transparency, accountability, and strengthening primary healthcare infrastructure through Health and Wellness Centres (HWCs).


  • Shortage of doctors and specialists, human resource crisis, and uneven distribution of healthcare professionals.
  • Inadequate addressing of systemic shortcomings in the healthcare system, hindering comprehensive coverage.

Ayushman Bharat Yojana represents a significant step towards achieving universal health coverage but requires sustained efforts to overcome challenges for long-term success.

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