Ayushman Bharat - PM Jan Arogya Yojana -National Health Protection Mission Scheme- Registration Online at mera.pmjay.gov.in

PM Jan Arogya Yojana - Modi Care - Ayushman Bharat Scheme - National Health Protection Mission- Registration Online mera.pmjay.gov.in
Ayushman Bharat - National Health Protection Mission Scheme-World's largest' health plan to cover 10cr families 50 crore citizens of the country.  Ayushman Bharat Yojana Registration  Apply Online Application Form  Official Website Ayushman Bharat Registration Online, How To Apply for Ayushman Bharat Yojana, Ayushman Bharat Procedure, Ayushman Bharat scheme Application Form  available at mera.pmjay.gov.in   This new health care scheme, which is also referred as NamoCare or ModiCare. Ayushman Bharat-National Health Protection Mission. Ayushman Bharat is National Health Protection Scheme Initiated by Prime Minister Narendra Modi, the National Health Insurance Scheme has been launched by the central government to offer insurance coverage of worth Rs. 5 lakhs to the poor Indian population. Rs. 5 lakh will be offered to each family by the central government for their secondary and tertiary hospitalization and other medical facilities.  In this Article we are discussing about Ayushman Bharat Registration. Most of out visitors as How to apply for Ayushman Bharat? So we are here to tell you in details about the Registration and other things about this scheme.

Ayushman Bharat Registration
Scheme Name : PM Jan Arogya Yojana- Ayushman Bharat
Nation Health Protection Scheme (AB-NHPM)
Scheme Motto : Nation Health Protection Scheme
Benefit : Upto 5 Lakh Rupees Per Family.

 పథకం పేరు : ఆయుష్మాన్ భారత్ 
లాభాలు : ప్రభుత్వ మరియు ప్రైవేట్ ఆసుపత్రులలో 5లక్షల రూపాయిల వరకు ఇంటిల్లపాది ఉచితం గా వైద్యం చేయించుకోవచ్చు.
 దీనికి ఆన్లైన్ లో ధరఖాస్తు పూర్తి చేసి వారి పేరుని నమోదు చేసుకోవాలి.
ప్రతి ఏడాది రు.5లక్షలు చికిత్స కొరకు పొందుతారు.

Ayushman Bharat-National Health Protection Mission
Ayushman Bharat is National Health Protection Scheme, which will cover over 10 crore poor and vulnerable families (approximately 50 crore beneficiaries) providing coverage upto 5 lakh rupees per family per year for secondary and tertiary care hospitalization. Ayushman Bharat - National Health Protection Mission will subsume the on-going centrally sponsored schemes - Rashtriya Swasthya Bima Yojana (RSBY) and the Senior Citizen Health Insurance Scheme (SCHIS).

Salient FeaturesSalient Features
  1. Ayushman Bharat - National Health Protection Mission will have a defined benefit cover of Rs. 5 lakh per family per year. Benefits of the scheme are portable across the country and a beneficiary covered under the scheme will be allowed to take cashless benefits from any public/private empanelled hospitals across the country.
  2. Ayushman Bharat - National Health Protection Mission will be an entitlement based scheme with entitlement decided on the basis of deprivation criteria in the SECC database. 
  3. The beneficiaries can avail benefits in both public and empanelled private facilities.
  4. To control costs, the payments for treatment will be done on package rate (to be defined by the Government in advance) basis.
  5. One of the core principles of Ayushman Bharat - National Health Protection Mission is to co-operative federalism and flexibility to states.
  6. For giving policy directions and fostering coordination between Centre and States, it is proposed to set up Ayushman Bharat National Health Protection Mission Council (AB-NHPMC) at apex level Chaired by Union Health and Family Welfare Minister.
  7. States would need to have State Health Agency (SHA) to implement the scheme.
  8. To ensure that the funds reach SHA on time, the transfer of funds from Central Government through Ayushman Bharat - National Health Protection Mission to State Health Agencies may be done through an escrow account directly.
  9. In partnership with NITI Aayog, a robust, modular, scalable and interoperable IT platform will be made operational which will entail a paperless, cashless transaction.

At the national level to manage, an Ayushman Bharat National Health Protection Mission Agency (AB-NHPMA) would be put in place. States/ UTs would be advised to implement the scheme by a dedicated entity called State Health Agency (SHA). They can either use an existing Trust/ Society/ Not for Profit Company/ State Nodal Agency (SNA) or set up a new entity to implement the scheme.
States/ UTs can decide to implement the scheme through an insurance company or directly through the Trust/ Society or use an integrated model.

Major Impact 
Ayushman Bharat - National Health Protection Mission will have major impact on reduction of Out of Pocket (OOP) expenditure on ground of:

Increased benefit cover to nearly 40% of the population, (the poorest & the vulnerable) Covering almost all secondary and many tertiary hospitalizations. (except a negative list) Coverage of 5 lakh for each family, (no restriction of family size)

This will lead to increased access to quality health and medication. In addition, the unmet needs of the population which remained hidden due to lack of financial resources will be catered to. This will lead to timely treatments, improvements in health outcomes, patient satisfaction, improvement in productivity and efficiency, job creation thus leading to improvement in quality of life.

The expenditure incurred in premium payment will be shared between Central and State Governments in specified ratio as per Ministry of Finance guidelines in vogue. The total expenditure will depend on actual market determined premium paid in States/ UTs where Ayushman Bharat - National Health Protection Mission will be implemented through insurance companies. In States/ UTs where the scheme will be implemented in Trust/ Society mode, the central share of funds will be provided based on actual expenditure or premium ceiling (whichever is lower) in the pre-determined ratio.

Ayushman Bharat - National Health Protection Mission will target about 10.74 crore poor, deprived rural families and identified occupational category of urban workers' families as per the latest Socio-Economic Caste Census (SECC) data covering both rural and urban. The scheme is designed to be dynamic and aspirational and it would take into account any future changes in the exclusion/ inclusion/ deprivation/ occupational criteria in the SECC data.

Ayushman Bharat - National Health Protection Mission will be rolled out across all States/UTs in all districts with an objective to cover all the targeted beneficiaries.

Ayushman Bharat PM Jan Arogya All You Need to Know About the New Health Scheme:
Prime Minister Narendra Modi on Sunday, 23 September, rolled out the Centre’s flagship Ayushman Bharat-National Health Protection Mission (AB-NHPM) from Ranchi, in Jharkhand. The scheme will become operational from 25 September on the birth anniversary of Pandit Deendayal Upadhya, and will reportedly be funded on a 60:40 ratio by the centre and state government.

Stated to be the largest healthcare scheme in the world, Ayushman Bharat aims to provide a coverage of Rs 5 lakh per family annually, benefiting more than 10.74 crore poor families.

In addition to the insurance plan, the government aims to open 1.5 lakh health and wellness centres by 2022, which would be equipped to treat diseases including blood pressure, diabetes, and cancer. Ten such health and wellness centres in the state were inaugurated in Jharkhand on Sunday.

“The goal is to prepare a half lakh such centres all over the country in the next four years,” PM Modi said in his speech.

Who are the Beneficiaries?
The scheme will target poor, deprived rural families and identified occupational category of urban workers' families, ie 8.03 crore in rural and 2.33 crore in urban areas, as per the latest Socio-Economic Caste Census (SECC) data.

Around 50 crore people will be covered in all.
Secondary and tertiary care hospitalisation will be provided through a network of Empanelled Health Care Providers.
Additionally, there is a provision for cashless and paperless access to services for the beneficiaries at the point of service. This will help reduce expenditure for hospitalisation, which impoverishes people, and will help mitigate the financial risk arising out of catastrophic health episodes.

Nearly 5.5 crore people were pushed below the poverty line because of healthcare expenses, BloombergQuint stated citing a Public Health Foundation of India report from May. Of this number, 3.8 crore became poor only because they had to bear medicine costs, the report states. The scheme primarily targets these families.

Entitlement Decided Through SECC Data
The entitlement will be decided on the basis of deprivation criteria in the Socio-Economic Caste Census (SECC) database, PTI reported. The beneficiaries are identified based on the deprivation categories identified under the SECC database for rural areas. For the urban areas, the 11 occupational criteria will determine entitlement.

There is no cap on family size and age in the scheme, ensuring that nobody is left out. One would only need to establish one’s identity to avail benefits under the scheme and it could be through Aadhaar card or election ID card or ration card. Having an Aadhaar card is not mandatory.
In case of hospitalisation, members of the beneficiary families do not need to pay anything under the scheme, provided one goes to a government or an empanelled private hospital.

“Expenses up to five lakhs are included in the scheme, and apart from expenditure incurred in the hospital, checks, medicines, expenses before recruitment and the cost of treatment till completion are also included. If someone has any prior illness then the cost of the disease will be raised by this scheme.”
Narendra Modi, Prime Minister

Subsidised Rates Promised
The Health Ministry has included 1,354 packages in the scheme under which treatment for coronary bypass, knee replacements and stenting, among others, would be provided at 15-20 percent cheaper rates than the Central Government Health Scheme (CGHS).

So far 15,686 applications for hospital empanelment have been received and over 8,735 hospitals, both public and private, have been empanelled for the scheme.

‘Ayushman Mitra’ to Assist Patients
The National Health Agency (NHA), the apex body implementing the AB-NHPM, has launched a website and a helpline number to help prospective beneficiaries check if their name is there in the final list.

One can visit mera.pmjay.gov.in or call up the helpline (14555) to check their enrolment. A beneficiary needs to key in his or her mobile number, which is verified through an OTP and then complete the KYC (know your customer) online without any need for human interface with other documents.

Each empanelled hospital will have an ‘Ayushman Mitra’ to assist patients and will coordinate with beneficiaries and the hospital. They will run a help desk, check documents to verify the eligibility and enrolment to the scheme.

All the beneficiaries will be given letters having QR codes which will be scanned and a demographic authentication conducted for identification and to verify his or her eligibility to avail the benefits of the scheme.

What are the Caveats?
In June, the biggest body of doctors, Indian Medical Association, had found pricing of procedures under the healthcare scheme inadequate.

“The rates are far too low to provide quality treatment to patients”, Vinod Kumar Monga, honorary finance secretary at IMA, told BloombergQuint. The cost structure is “humanly impossible” for doctors to offer treatment that otherwise is much more expensive, he said. He added that the system should be made viable for everyone to work “enthusiastically”.

So the question is if it will achieve the intended goals.

5 States Opt Out of Ayushman Bharat Scheme
Following the launch of the PMJAY, the Telangana government announced that it has decided not join the scheme 'as of now' and would continue to implement its health scheme, official sources told PTI.

“One of the reasons for not joining it for the time being is that the state’s Aarogyasri scheme covers nearly 80 lakh families.” - An official to PTI
As many as 30 states and Union Territories have signed MoUs with the Centre and will implement the programme over the next two to three months.

Remaining states and UTs, which include Odisha, Delhi, Kerala and Punjab have not signed, so the scheme will not be implemented there till they come on board.

According to NDTV, Odisha CM Naveen Patnaik too opined that the state-funded health scheme was far more effective than the PMJAY, as it offered cover of Rs 7 lakh, as opposed to the Centre’s Rs 5 lakh.

Meanwhile, speaking to the Indian Express, Kerala state finance minister Thomas Issac said the scheme was a “big hoax”, as it offered “big jumps for a low premium.”

“The subsidy ceiling for the current RSBY scheme of Rs. 30,000 benefit is Rs. 1,250. The subsidy for the Ayushman scheme, with benefits of Rs. 5 lakh, is Rs. 1,110. Is it possible to have such a jump in benefits for lower premium?”
-Thomas Isaac

According to the NDTV report, the Delhi government expressed its reservations with the scheme, stating that the provisions would benefit around 6 lakh people – a mere 3 percent of its population.

ప్రధానమంత్రి జన్‌ ఆరోగ్య యోజన పథకం 
➤దేశంలో ప్రతి సంవత్సరం ఒక్కో కుటుంబానికి రూ.5 లక్షల చొప్పున బీమా కల్పించడానికి కేంద్ర ప్రభుత్వం నూతనంగా ప్రారంభించిన పథకం "ప్రధానమంత్రి జన్‌ ఆరోగ్య యోజన"

➤ఈ పథకాన్ని ప్రధాన మంత్రి నరేంద్ర మోడీ జార్ఖండ్ రాష్ట్ర రాజధాని రాంచీలో 23 సెప్టెంబర్ 2018 ఆదివారంనాడు ప్రారంభించారు. ఈ పథకం సెప్టెంబర్ 25వ తేదీ నుంచి అమలులోకి వస్తుంది.

➤ ఈ పథకం ద్వారా 10.74 కోట్ల కుటుంబాలకు లబ్ది చేకూరనుంది. గ్రామీణ ప్రాంతాల్లోని 8.03 కోట్ల కుటుంబాలు, పట్టణ ప్రాంతాల్లోని 2.33 కోట్ల కుటుంబాలకు ఈ పథకం అమలు చేయనున్నారు.

➤ ఈ పథకం కింద దాదాపు 50 కోట్ల మంది ప్రజలు లబ్ధి పొందనున్నారు.

➤ ఈ పథకానికి 2018 బడ్జెట్ లో రూ. 3,500 కోట్లు కేంద్ర ప్రభుత్వం కేటాయించింది.

➤ ఈ పథకానికి 60:40 నిష్పత్తిలో కేంద్ర, రాష్ట్ర ప్రభుత్వాలు నిధులు సమకూర్చనున్నాయి.

➤ ఈ పథకానికి తెలంగాణ, పంజాబ్, ఒడిశా, కేరళ, ఢిల్లీ రాష్ట్రాలు అంగీకరించలేదు. మిగతా  31 రాష్ట్రాలు, కేంద్రపాలిత ప్రాంతాలు అంగీకరించాయి.

➤ ఈ పథకంలో చేరిన వారికి ప్రభుత్వ, లిస్టెడ్ ప్రైవేట్ దవాఖానల్లో సేవలు లభిస్తాయి.

➤ ఎస్‌ఈసీసీ వివరాల ప్రకారం గ్రామాల్లో అణగారిన వర్గాల ను డీ1, డీ2, డీ3, డీ4, డీ5, డీ7గా.. పట్టణాల్లో గుర్తింపు పొందిన 11 వృత్తుల కార్మికులను అర్హులుగా గుర్తించారు.

➤పట్టణాల్లో చెత్త వస్తువులను ఏరేవారు, బిక్షగాళ్లు, ఇంటి పని సహాయకులు, వీధి వ్యాపారులు, హాకర్లు, నిర్మాణ రంగ కార్మికులు, తాపీ పనివారు, పెయింటర్లు, వెల్డర్లు, సెక్యురిటీ గార్డులు, పారిశుద్ధ్య కార్మికులు తదితర వర్గాల వారు ఈ పథకంలో చేరేందుకు అర్హులు.

➤ రాష్ర్టాల్లో అమలులో ఉన్న రాష్ట్రీయ స్వాస్థ బీమా యోజన (ఆర్‌ఎస్‌బీవై) పథకం లబ్ధిదారులకూ ఆయుష్మాన్ భారత్ వర్తిస్తుంది.

➤ఈ పథకం కింద కరోనరీ బైపాస్, స్టెంట్లు తదితర 1,354 ఆరోగ్య ప్యాకేజీలు అమలవుతాయి. కేంద్ర ప్రభుత్వ ఆరోగ్య పథకం (సీజీహెచ్‌ఎస్) కంటే 15-20% చౌకకే వైద్య సేవలు అందుబాటులోకి రానున్నాయి.

➤ ఈ పథకంలో చేరే కుటుంబాలు రూ.2000 లోపు ప్రీమియం చెల్లించాల్సి ఉంటుంది.

➤ ఈ పథకానికి అర్హులు ఓటరు గుర్తింపు కార్డుతో గానీ, రేషన్‌కార్డుతో గానీ ఆన్‌లైన్‌లో దరఖాస్తు చేసుకోవాలి.

➤ ఈ పథకం గురించి తెలుసుకునేందుకు mera.pmjay.gov.in అనే పేరుతో ఒక వెబ్‌సైట్‌ను, ఒక హెల్ప్ లైన్ నంబర్ 14555 ను ప్రారంభించారు.

➤ ఈ పథకం అమలు కోసం కేంద్రం తో 31 రాష్ర్టాలు, కేంద్ర పాలిత ప్రాంతాలు ఎంవోయూలపై సంతకాలు చేశాయి.

➤ అమెరికాలో ఆదరణ పొందిన 'ఒబామా కేర్' పేరుతో ఇలాంటి పథకం అమలులో ఉండగా మనదేశంలో  ఈ పథకానికి 'మోదీ కేర్' అంటూ పలురకాల పేర్లు అభివర్ణిస్తున్నారు.

PM - Jan Arogya Yojana- Am I Eligible..?

1) On the landing page of AM I Eligible Portal, the user has to enter an active mobile number (to receive an OTP) and enter the Captcha letters displaying on the screen and click on the “Generate OTP” button. After this, the user will receive an OTP as a text message on the mobile number entered. The user has to enter this OTP and click on “Verify OTP” which directs to a page to enter the details for search.

2) An individual can search whether he/she is an eligible beneficiary for Pradhan Mantri Jan Arogya Yojna (PMJAY) using a) Mobile number/Ration Card Number (collected during ADCD drive), b) SECC Name or c) RSBY URN.

a) Mobile number/Ration Card Number: An Additional Data Collection Drive (ADCD) was conducted on 30th April 2018 at Gram Sabha’s across India to capture active mobile number and ration card number of a family of the Socio-Economic Caste Census (SECC) database. If the individual got his/her Mobile number or Ration card number captured during this drive, only then it will show results on the portal. If the individual got his details captured during the ADCD drive and still no results are displayed, then the “SECC Name” option should be used for searching.

b) SECC Name: An individual can search if he/she is eligible for PMJAY using his details as per the SECC database such as Name, Father’s Name, Gender, State etc. Even now, if no results are displayed, then the user should contact a nearby Ayushmaan Mitra.

c) RSBY URN : Additionally, all active families that are enrolled under RSBY (till 31st March, 2018) that do not feature in the targeted groups as per SECC data will be included as well and can identify if they are eligible for PMJAY using RSBY URN.

3) If the search is successful, the individual has an option to receive a text message with the HHID number/RSBY URN for future purposes on his/her phone by clicking the “Get SMS” button and entering the mobile number. Note: This mobile number can be different from the mobile number used in the first step for OTP Generation.

-  Log on to the PM - Jan Arogya Yojana website
# Ayushman Bharat website

ప్రపంచంలోనే అతిపెద్ద బీమా పథకం:
తొలి విడత 10కోట్ల మందికి ప్రయోజనం :
సెప్టెంబర్‌ 25న దీన్‌దయాళ్‌ ఉపాధ్యాయ జయంతి నుంచి ఈ పథకం ప్రారంభమవుతుందని ప్రధాని నరేంద్ర మోడీ వెల్లడించారు. ఈ పథకం ద్వారా దేశంలోని పేదలందరికీ ఉచిత వైద్య సాయం అందిస్తామన్నారు. తొలి విడతలో 10కోట్ల మందికి ఈ పథకం వర్తించేలా చర్యలు తీసుకుంటామన్నారు.

 పేదలకు ఆరోగ్య భద్రత :
రోగమొస్తే ఏం చేయాలన్న భయం పేదల్లో ఉండకూడదని మోడీ ఈ సందర్భంగా వ్యాఖ్యానించారు. ఇంట్లో ఒకరికి రోగమొస్తే కుటుంబమంతా దిక్కతోచని స్థితిలోకి వెళ్తుందని.. అలాంటివారందరికీ ఆయుష్మాన్ భారత్ పథకం భరోసా ఇస్తుందన్నారు. ఈ పథకం అమలు కోసం అత్యాధునిక సాంకేతికతను వినియోగిస్తామన్నారు. అవసరమైన వైద్య సిబ్బంది, సదుపాయాలు అందుబాటులో ఉంచుతామన్నారు. ఆరోగ్య భారత్‌ లక్ష్యంగా ఈ పథకం పనిచేస్తుందని ప్రధాని తెలిపారు.

మొత్తంగా 50కోట్ల మందికి ప్రయోజనం
కాగా, ప్రధాని ప్రతిష్ఠాత్మకంగా తీసుకొచ్చిన ఈ పథకం ద్వారా ఒక్కో కుటుంబానికి ఏటా రూ.5 లక్షల మేరకు ఆరోగ్య బీమా వర్తిస్తుంది. దీనివల్ల 10 కోట్ల పేద కుటుంబాలకు ప్రయోజనం కలుగుతుంది. మొత్తం మీద 50 కోట్ల మందికి ఈ పథకం వర్తిస్తుందని భావిస్తున్నారు. ప్రభుత్వ నిధులతో నడిచే ఆరోగ్య బీమా పథకాల్లో ఇది ప్రపంచంలోనే అతిపెద్దదని కేంద్ర వర్గాలు చెబుతున్నాయి.

ఈ పథకంలో 1354చికిత్సలు:
సామాజిక, ఆర్థిక, కుల గణాంకాల డేటా ఆధారంగా లబ్ధిదారుల గుర్తింపు సాగుతోంది. ఇప్పటికే 80 శాతం మంది గుర్తింపు పూర్తయింది. ఈ పథకం కింద 1354 చికిత్స ప్రక్రియలను ఆరోగ్య శాఖ చేర్చింది. గుండె బైపాస్‌, మోకీలు మార్పిడి తదితర శస్త్రచికిత్సలు కేంద్ర ప్రభుత్వ ఆరోగ్య పథకం (సీజీహెచ్‌ఎస్‌) కన్నా 15-20 శాతం తక్కువ ధరకే అందుతాయి. ఈ పథకంలో చేరిన ప్రతి ఆసుపత్రిలోనూ రోగులకు సాయం అందించడానికి ఒక ‘ఆయుష్మాన్‌ మిత్ర' ఉంటారు. లబ్ధిదారుల అర్హతలను పరిశీలించడానికి ఒక ‘హెల్ప్‌ డెస్క్‌'ను కూడా వారు నిర్వహిస్తారు. క్యూఆర్‌ కోడ్లు కలిగిన పత్రాలను లబ్ధిదారులకు అందిస్తారు. వీటిని స్కాన్‌ చేయడం ద్వారా లబ్ధిదారులను గుర్తించడం, పథకం కింద అందే ప్రయోజనాలకు వారికున్న అర్హతలను పరిశీలిస్తారు.

Who is covered under Ayushman Bharat Scheme?
It is an entitlement based scheme which aims to target poor, deprived rural families and identified occupational category of urban workers' families, 8.03 crore in rural and 2.33 crore in urban areas, as per the latest Socio-Economic Caste Census (SECC) data, and will cover around 50 crore people.

The beneficiaries can avail benefits in both public and empanelled private facilities. There is no cap on family size and age in the scheme, ensuring that nobody is left out. The beneficiary will need to have an Aadhar card to avail the benefits of the scheme.

"It is essential to ensure that we free the poor of India from the clutches of poverty due to which they cannot afford health care," said Modi in his speech adding that technology will play a crucial role in the implementation of the programme. He added that in four to six weeks, testing of these technology tools under the scheme will start.

Eligibility Criteria
The beneficiary should be included under the SECC 2011 data (socio-economic caste census), which was conducted across the  rural and urban of across the country. Socioeconomic caste census is a mechanism of counting and ranking under the various parameters, which are listed below:
Literacy rates
Median household income
Poverty levels
Nature of occupational profiles
Predominant location
Access to schooling
Access to housing
Sanitation, drinking water, and electricity
Valid Aadhar card
Note:- The scheme does not mention the limitation of family size.

Check eligibility for the scheme
Under the process, 80 percent of beneficiaries, based on the Socio Economic Caste Census (SECC) data in the rural and the urban areas, have been identified.  Here is how you can check if you are eligible for the cover:

Required documents
The following documents must be furnished for registration:

  1. Aadhar ID linked with a valid bank account
  2. Respective special category certificates
  3. Age proof documents
  4. Family structure
  5. Identification details
  6. Contact information
  7. Scanned copy of Aadhar
  8. Income certificate
  9. Caste certificate
Documents that you need to submit for Ayushman Bharat Registration
The patient has to submit all the insurance documents to the hospital where he/she visits for treatment. After checking and verifying all the documents, the hospital will mention the amount needed for the treatment to the insurance company. Once all the formalities and procedures are completed, the hospital staff will begin the treatment of the patient without any payment.

Do people have to pay for Modicare?
The medical insurance scheme is paid for by the government. The expenditure incurred in premium payment will be shared between Central and State Governments in a specified ratio as per Ministry of Finance guidelines in vogue. The total expenditure will depend on actual market-determined premium paid in States and Union Territories where the scheme will be implemented through insurance companies. In States and Union Territories where the scheme will be implemented in Trust/Society mode, the Central share of funds will be provided based on actual expenditure or premium ceiling (whichever is lower) in the predetermined ratio.

Is it available across India?
According to a government official , as many as 22 states have preferred to run the scheme on "trust model". While Punjab, Kerala, Maharashtra, Karnataka and Delhi are yet to come on board, Odisha has refused to be a part of the scheme, the official said.

How will Modicare be implemented?
At the national level, New Delhi will put in place an Ayushman Bharat National Health Protection Mission Agency (AB-NHPMA). States and Union territories will be asked to set up a dedicated State Health Agency (SHA) for the NHPM. They can use an existing trust, society, not-for-profit company, or state nodal agency (SNA), or set up an entirely new entity to implement the scheme. States and Union territories can also implement the scheme through an insurance company, or directly through the trust or society, or adopt an integrated model.

Funds from the central government will be transferred directly to the SHA via an escrow account. State governments have to contribute a matching share of grants within a defined time frame.

Is it a first for India?
India has never implemented a very large, free nationwide health insurance programme. The AB-NHPM will subsume two on-going centrally sponsored schemes, the Rashtriya Swasthya Bima Yojana (RSBY) and the Senior Citizen Health Insurance Scheme (SCHIS). RSBY was launched in 2008 by the Ministry of Labour and Employment and provides cashless health insurance, with a benefit coverage of Rs 30,000 per annum on a family floater basis (for five members), for below poverty line (BPL) families, and 11 other defined categories of unorganised workers.

The policy was initially announced by the then finance minister Arun Jaitley in February this year during the presentation of last full budget of the NDA government and it was approved by the Cabinet in March.

Apart from the lakhs of rupees per family (despite family size), NamoCare Yojana will also provide additional top up a package of about Rs 30,000 for Senior citizens aging 60 years and above. This way senior citizens could get free healthcare facilities, which were not provided to them earlier and they had to pay an additional cost for their medical checkup or health facilities.

With the launching of this Ayushman Bharat Yojana in all over India, the present status of  India will going be changed. This is the biggest health coverage insurance policy of India. And this Scheme also help to the unemployment youth for getting the job. And it is very helpful the poor and needy people of the nation. This scheme launched in every state of India. so that every person get the benefit of this scheme.

Announced in Union Budget 2018-19, the new Ayushman Bharat Scheme is likely to be the world’s largest healthcare protection plan initiated by Indian Prime Minister.

What are the key features of Ayushman Bharat Yojana?

  1. As per Ayushman Bharat Scheme, the central government will be providing Rs. 5 lakh to each vulnerable family in India.
  2. This is a major Universal Health Protection Scheme to provide health coverage to around 50 crore people across India.
  3. According to their family’s economic condition, people are likely to avail secondary and tertiary health treatment in any government or private hospital – under the financial assistance of this new Ayushman Bharat Scheme or NamoCare Scheme.
  4. Besides all the aforementioned facilities, the central government will also provide additional Rs. 1.5 lakh to health and wellness centers to take care of poor families under Namo Care Yojana. According to this programme, the government will even allocate Rs. 1200 crore for treating non-communicable diseases in the community.
  5. Apart from associated with the government hospitals in the country, the Govt. Will also focus on joining hands with private enterprises and make them part of the Corporate Social Responsibility (CSR) Initiatives.
  6. Ayushman Bharat Cashless treatment health insurance
  7. Ayushman Bharat health scheme offers complete cashless coverage to poor people. Yes, don’t have to spend a penny for the treatment. You simply need to get to a selected government (under NamoCare scheme) hospital to get your treatment.

Ayushman Bharat Helpline Number
So far, there is no active website under Ayushman Bharat Yojana for conducting online registration. But soon the Officials are going to announce the procedure of applying for National Health Protection Scheme online. Even online link will be provided to Apply or Download the application form. So, stay tuned with us for more information.

Until the online link for downloading application form is available, you can contact the officials on the given helpline numbers for more information:


#Cabinet approve Ayushman Bharat Scheme 

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