Explaining Public health schemes in India Public health schemes are strategies formulated and implemented by the government to enhance people’s physical condition in India.
These schemes encompass virtually all areas of health care in its Primary, Preventive, Curative, Nutritional, Mental Health, Reproductive health and Disease Control dimensions.
There are different measures which are taken by the current Indian government to enhance public health system and, in turn, give people of the state better access to health care.
The National Health Mission (NHM) is the largest branded scheme of the government which caters the goal of universal health care.
Many campaigns have been started in the NHM to impart health services to the poor of rural and urban areas, and to bear the load of communicable and non-communicable diseases as well as health improvement in women, children, and other special groups.
What is PMJAY?
The Pradhan Mantri Jan Arogya Yojana (PMJAY Gov In) also known as Ayushman Bharat Yojana is an Initiative that provides financial risk protection to the economically vulnerable population needing assistance to pay for medical treatment.
The Prime Minister initiated in 2018 and about 50 crore Indian citizens are associated with this health insurance scheme till now. 18562 thousands hospitals are empanelled and 44064561 thousand beneficiaries are admitted and 100 million e-cards are issued since September 2019.
This scheme can be availed by getting yourself registered at the PMJAY Gov In portal. The PMJAY Gov Inbeneficiaries are provided an e-card, with which they can take services at hospitals anywhere in the country. It also avails you for cashless treatment. They cover 3 days prior to admission and 15 days after discharge expenses.
All cost incurred through OT and 1,400 other procedures fall under PMJAY Gov In. It provides special ₹5 lakhs per annum to every family and offers medical facilities to the prone families or needy people in the society.
PMJAY Benefits
It covers the poor and the economically unstable population in our society, and below are some of the advantages of PMJAY.
- All hospitalization expenses are borne through this modality through cashless operations.
- Inpatient care beds/availability of hospitalisation accommodation
- The extra hospital expenses which included expenses before and after admission
- Generally it elaborates the complications that may occur during the process of treatment.
- They proved to be useful to all members of the family.
- Is not selective with gender, age or the number of occupants in a family.
- These are the diseases which a patient was suffering before being admitted in the hospital
PMJAY Coverage
The Ayushman Bharat Yojana Scheme covers the following critical illnesses or diseases:
- Carotid angioplasty with a stent
- COVID-19
- Anterior spine fixation
- Tumours involving pyriform sinus, post cricoid region, subglottis and bronchial anastomosis all require one of the following operations.
- Prostate cancer
- Coronary artery bypass graft
- Double valve replacement
- Pulmonary valve replacement
How does one enroll in PMJAY?
However, the PMJAY does not possess a specific application procedure to be followed. Based on this criteria SECC (Socio Economic and Caste Census) 2011 has identified it beneficiaries, and anyone below that is included.
- The official website of PMJAY can be visited
- Click on “Am I Eligible”
- Please, input your mobile number and paw print the CAPTCHA
- Click on “Generate OTP”
- Select your State by either Entering your mobile number/ration card number/HHD number/name
- Verify whether you are covered or not
What is the Hospitalisation Process under PMJAY?
PMJAY was introduced, if the required the hospitalization of any of its members the applicant is not supposed to pay anything under the scheme if the member gets admitted in the empanelled public or private hospitals. The entire hospitalisation and treatment process is cashless due to a 60:40 enter cost sharing of centre and state. There are about 25 medical specialities that you can avail of, such as:
- Neurosurgery
- Paediatrics
- Orthopaedics
- Cardiology
- Oncology
However, there is a condition that surgical and medical expenses cannot make reimbursement at the same time. Where the operation requires more than one procedure, then the highest price of the package is charged. In the second case, fifty percent of the price is dropped in the next condition while twenty five percent is slashed in the third.
Exclusions Under PMJAY
This scheme offers the financial security of health and hospitalization expenses including up to ₹5 lakhs per family per year. However, there is exclusion in what PMJAY covers where it doesn’t cover some treatments and procedures. These exclusions are:
- This paper also affirms that specific diagnostic procedures for assessment.
- Organ transplants
- Fertility related procedures
- Cosmetic related procedures
- Drug rehabilitation program
- OPD
How to Download PMJAY Card Online?
Every beneficiary is provided his/her PMJAY Golden Card for moving away from cash transactions, no writing and portable. What makes the e-card complete is details about the patient that may be needed for diagnosis and treatment.
The following is the process to get the Golden Card:
- Visit the official PMJAY website: >(https://mera.pmjay.gov.in/search/login)
- To Login please enter your registered contact number.
- Fill in the CAPTCHA and get your OTP.
- Make your HHD code known to the CSC for verification of the code and related particulars, extend your speeceh here.
- The Ayushman Mitra or the CSC representatives would have to fill up the process.
- Prime Minister Jan Arogya Yojana – Pay Rs. 30 for the card
Conclsuion
Health insurance has numerous advantages, where the most worthwhile is being treated in a hospital and not paying a hefty amount of money. By using PMJAY one is able to evade the debt trap because majority of the people borrow loans in order to access medical facilities. It also lets you to take treatment for Rs. 5 lac under PMJAY . how you can also purchase health insurance policies from the top health insurance company in India like Niva Bupa. It accompanies an extra-vast list of advantages and types of coverage for you as well as close ones.
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