How Ayushman Bharat Yojana Health Insurance Plans Help Cover Medical Expenses

The Indian government launched the Ayushman Bharat Yojana health insurance scheme in September 2018 to help cover medical expenses for underprivileged sections of society. This is a landmark initiative aimed at providing healthcare coverage to more than 100 million families in India.

The Ayushman Bharat Yojana or the Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a flagship health insurance program that provides free medical treatment up to Rs. 5 lakh per family per year for secondary and tertiary healthcare services. This includes pre-existing conditions, which were previously not covered under any government scheme. The scheme aims to eradicate poverty by providing financial assistance for medical treatment to poor families in India.

The primary objective of Ayushman Bharat Yojana is to provide financial protection against catastrophic health expenditures, which can push families below the poverty line. The scheme covers 1,350 medical and surgical procedures, including both general and specialty surgeries. The coverage is provided in public and private hospitals across the country, which are empaneled under the scheme.

The Ayushman Bharat Yojana has two components: the first is the PM-JAY, which is the health insurance component, and the second is the Health and Wellness Centres (HWCs), which is the primary healthcare component. The HWCs aim to provide comprehensive healthcare services, including preventive and promotive healthcare, mental health, dental care, and a range of diagnostic services.

Under Ayushman Bharat Yojana, families with an annual income of up to Rs. 5 lakh are eligible for coverage. This includes all members of the household, including parents and children. The scheme targets vulnerable and marginalized sections of society, including women, children, senior citizens, and persons with disabilities. The scheme is also available to beneficiaries of other government schemes, such as RSBY and Rashtriya Swasthya Bima Yojana (RSBY).

The Ayushman Bharat Yojana is a game-changer for the healthcare sector in India. It offers financial protection to poor families against catastrophic health expenditures, which can lead to impoverishment. The scheme has the potential to reduce out-of-pocket expenses for healthcare, which are one of the highest in the world. It also offers an opportunity for private hospitals to expand their services to the poor and marginalized sections of society.

The Ayushman Bharat Yojana has seen tremendous success since its launch. Within just two years of the scheme’s implementation, more than 1.2 crore beneficiaries have been admitted to hospitals, and over 8.63 crore e-cards have been generated. The scheme has saved lives and reduced the financial burden of healthcare on poor households.

One of the significant reasons for the success of Ayushman Bharat Yojana is the use of technology to facilitate the process. The scheme uses a technology-driven platform to identify and enroll beneficiaries, generate e-cards, and authorize cashless transactions. The use of technology has streamlined the process and reduced the chances of fraud and corruption.

The Ayushman Bharat Yojana has also helped in creating jobs in the healthcare sector. The scheme has created demand for medical professionals, including doctors, nurses, and paramedics, as well as other healthcare workers. This has led to an increase in the availability of healthcare services in remote and underserved areas.

The Ayushman Bharat Yojana is a comprehensive health insurance program that covers a wide range of medical and surgical procedures. The scheme covers both pre-existing conditions and new illnesses. This means that beneficiaries can receive treatment for chronic illnesses, such as diabetes, hypertension, and heart disease, as well as acute illnesses, such as infections and injuries.

The scheme has a network of empaneled hospitals across the country, which includes both private and public hospitals. This means that beneficiaries have a choice of hospitals and can receive treatment in hospitals that they trust. The empaneled hospitals are required to follow strict quality standards and protocols, which ensures that beneficiaries receive high-quality healthcare services.

The Ayushman Bharat Yojana has been a boon for patients with serious illnesses, such as cancer and kidney failure, who require expensive treatments such as chemotherapy and dialysis. The scheme covers the cost of these treatments, which can run into lakhs of rupees. This has relieved the burden of healthcare expenses on families and has provided a lifeline for patients who might otherwise not have been able to afford these treatments.


The Ayushman Bharat Yojana health insurance plan is a critical step towards achieving universal health coverage in India. The scheme provides financial protection to poor families against catastrophic health expenditures, which can push them below the poverty line. It has the potential to reduce the burden of healthcare expenses on households and can lead to better healthcare outcomes for all. The success of the scheme demonstrates that effective implementation of government schemes can improve the lives of millions of people in India.

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