Ayushman Bharat Yojana & Login Portal

Ayushman Bharat Yojana

Introduction 

Ayushman Bharat Yojana is a flagship scheme of the Government of India aimed at providing affordable and accessible healthcare to the economically vulnerable sections of the society. Launched in September 2018, the scheme aims to give a health cover of over to INR 5 lakhs per family per time for secondary and tertiary care hospitalization.

The scheme has been a significant action towards the realization of the vision of Universal Health Coverage in India. The Ayushman Bharat Yojana or Pradhan Mantri Jan Arogya Yojana( PMJAY) has been one of the most ambitious and transformational healthcare reforms of the country, and this composition aims to discuss its colorful aspects.

Background India has been facing significant challenges in the healthcare sector, especially in providing affordable and accessible healthcare to the economically vulnerable sections of the society. Despite the government's efforts to strengthen the healthcare system, the healthcare installations in the country remain shy and inadequate, especially in pastoral areas.

A large number of people in India are still unfit to access quality healthcare services due to colorful reasons similar to lack of mindfulness, unavailability of healthcare installations, and incapability to go the high cost of treatment. As a result, a significant proportion of the population falls into poverty due to disastrous health expenditures.

The Ayushman Bharat Yojana was introduced in this situation to increase access to high-quality healthcare for the economically disadvantaged groups of society and to offer financial security against the high cost of healthcare.

Ayushman Bharat Yojana login Portal: 

https://bis.pmjay.gov.in/BIS/mobileverify

Objectives

The subsequent targets are intended to be accomplished by the Ayushman Bharat Yojana:

• Provide financial protection against the high cost of healthcare: The programme seeks to offer medical insurance of up to INR 5 lakhs per family per year for secondary and tertiary care hospitalisation, providing financial security towards the high price of treatment. This would guarantee that the economically disadvantaged segments of our community do not experience poverty as a result of unaffordable medical expenses.

• Enhance access to high-quality healthcare services: The program's goal is to enhance beneficiary accessibility to high-quality medical services by enhancing the nation's healthcare system and offering recipients cashless medical treatments.

• Reduce out-of-pocket healthcare costs: The program's goal is to lower out-of-pocket healthcare expenses through offering financial security against the high cost of healthcare services. By doing this, the recipients could be protected from having to pay for medical treatments out of their own earnings.

• Create employment opportunities: The programme encourages the construction of medical infrastructures with the goal of increasing job prospects in the medical field, particularly in rural regions.

Implementation

Two elements have been used to put into effect the Ayushman Bharat Yojana:

1. Health and Wellness Centres: The first part of the programme intends to create 1.5 lakh Health and Wellness Centres (HWCs) around the nation by 2022. These facilities would offer a full range of basic healthcare services, including as maternity and child health care, non-communicable disease management, preventative and promotion services, and other related areas.
2. Pradhan Mantri Jan Arogya Yojana: The Pradhan Mantri Arogya Jan Yojana In order to safeguard people financially from the high expense of hospitalisation, the second part of the plan attempts to do so. at accordance with this component, qualified beneficiaries may use cashless medical services when receiving secondary and tertiary care at accredited public and private facilities.

Eligibility

The economically challenged groups of society are the focus of the Ayushman Bharat Yojana. The qualified recipients consist of

• Families with a total yearly income of up to INR 5 lakhs: Families with a total annual income of up to INR 5 lakhs are eligible to avail of the advantages of the plan.

• Socio-economic Really deprived: Scheduled castes and scheduled tribes are included in the category of socioeconomically disadvantaged households that are also eligible to benefit from the programme.

• Other categories: Additional categories Families without a male member between the ages of 16 and 59, households with a member who is disabled, and households without a home or those who live in a one-room shack are also eligible recipients. Families recognised by the Socio-Economic Caste Census (SECC) data as being disadvantaged or vulnerable are also qualified for the programme.

Benefits

The factors that follow advantages are offered to qualified recipients of the Ayushman Bharat Yojana:

Financial security

The programme offers financial security against the high cost of hospitalisation, which might result in catastrophic medical costs for the economically disadvantaged groups in society.

Cashless healthcare services 

Cashless health care services are available to eligible patients who are admitted to accredited public and private institutions for higher education and secondary treatment.

Access to high-quality healthcare

The program's goal is to increase beneficiaries' access to high-quality healthcare by enhancing the nation's healthcare system and offering recipients cashless medical treatments.

Prospects for employment

By encouraging the development of healthcare facilities the programme seeks to provide job prospects in medical facilities, particularly in rural regions.

Challenges

The following issues have arisen during the execution of the Ayushman Bharat Yojana

Identification of eligible beneficiaries

The absence of precise and trustworthy information on socio-economic variables has made it extremely difficult to identify eligible recipients.

Availability of healthcare infrastructure

Access to healthcare infrastructure, particularly in rural regions, continues to be a major problem. In several states, the creation of Health and Wellness Centres and the inclusion of private hospitals has been delayed.

Quality Healthcare services

Many public hospitals may use to improve their healthcare service quality. Due to the strict standards established by the government, the empanelment of private hospitals has been delayed.

Awareness among the beneficiaries

Benefits of the programme are not well known among eligible participants, which has resulted in the program's poor utilisation.

Conclusion

To achieve Universal Health Coverage in India, the Ayushman Bharat Yojana is an important project. The program's objectives are to provide access to excellent medical treatment for the economically disadvantaged groups of society and to safeguard their finances from the high expense of healthcare.

The government has been taking action to overcome the difficulties that the scheme's implementation has encountered. Millions of people's health outcomes might be improved by the plan, which has the ability to change the nation's healthcare system.

To accomplish the goals of the Ayushman Bharat Yojana, it is crucial to raise awareness of the programme among eligible beneficiaries and highlight its advantages while also bolstering the national healthcare system.