what is Ayushman Bharat Yojana (ABY) and How to get benefit of Ayushman Bharat Scheme?

benefits of ayushman Bharat Yojana

Modi government has started Ayushman Bharat Yojana (ABY). ABY is also known as Pradhan Mantri Jan Arogya Yojana (PMJAY). This scheme, popularly known as Modicare, is actually a health insurance scheme for the poor people of the country. Under PMJAY, 10 crore families of the country are getting health insurance of Rs 5 lakh annually.

What is the goal of Ayushman Bharat Yojana (ABY)?

Prime Minister Narendra Modi has announced the 'Pradhan Mantri Jan Arogya' scheme (Ayushman Bharat Yojana i.e. ABY). It has been implemented nationwide from 25th September on the birth anniversary of Pandit Deen Dayal Upadhyay.

The government wants to provide health insurance to the families of poor, neglected families, and urban poor people through ABY.

According to the Socio-Economic Caste Census (SECC) 2011, 8.03 crore families in rural areas and 2.33 crore families in urban areas will come under the purview of Ayushman Bharat Yojana (ABY). In this way, 50 crore people will come under the purview of PM-JAY.

Under the Ayushman Bharat Scheme (ABY), every family is getting medical insurance of five lakh rupees annually. The National Health Insurance Scheme (NHBY) launched by the UPA government in the year 2008 has also been merged with the Ayushman Bharat Yojana (PM-JAY).

Who is getting coverage in ABY?

The effort of the Modi government is to include women, children, and senior citizens in ABY exclusively. There is no binding of family size and age to join Ayushman Bharat Yojana (ABY).

Cashless/paperless treatment will be available to the beneficiaries of Ayushman Bharat Yojana (ABY) in government hospitals and empaneled hospitals.

How is the merit of ABY determined?

According to SECC data, people are getting medical insurance in Ayushman Bharat Yojana (ABY). According to SECC data, people belonging to the categories D1, D2, D3, D4, D5, and D7 in the rural population have been included in the Ayushman Bharat Yojana (ABY).


People can join Ayushman Bharat Yojana (ABY) according to 11 pre-defined occupations/work in urban areas. Those already involved in the National Health Insurance Scheme in the states themselves have joined the Ayushman Bharat Yojana (ABY).

ABY qualification for rural areas

These qualifications for joining Ayushman Bharat Yojana (ABY) are broad:

A raw house in a rural area, no adult (16-59 years) in the family, ahead of the family, a disabled person in the family, a Scheduled Caste / Tribe, and the landless person / daily wage laborer
Apart from this, the homeless people of rural areas, destitute, donating or begging, tribal and legally free bonded, etc. will themselves join the Ayushman Bharat Yojana (ABY).

ABY qualification for the urban area

These qualifications for joining Ayushman Bharat Yojana (ABY) are broad:

Beggars, garbage pickers, household chores, street vendors, cobblers, hawkers, other street workers.
Construction site workers, plumbers, masons, laborers, painters, welders, security guards, porter, and other loaders
Sweepers, sweepers, domestic workers, handicraftsmen, tellers, drivers, rickshaw drivers, shopkeepers, etc. will be included in Ayushman Bharat Yojana (ABY).

ABY hospitalization process

The beneficiary of Ayushman Bharat Yojana (ABY) will not pay any charge for admission to the hospital. All expenses from hospital admission to treatment will be covered in this scheme.

The expenses of Ayushman Bharat Yojana (ABY) before and after admission to the hospital will also be covered.

Every hospital included in the panel will have an Ayushman Mitra. He will help the patient and help him get to the facilities of the hospital.

There will also be a help desk in the hospital which will help in checking documents, verification for enrollment in the scheme.

Individuals covered under Ayushman Bharat Scheme will be able to get treatment in any government / empaneled private hospital in the country.

What is included in ABY?

The Ayushman Bharat Yojana (ABY) covers the cost of medical and hospital admission for almost every disease. The Ministry of Health has included 1354 packages in the Ayushman Bharat Scheme (ABY). This includes treatments such as coronary bypass, knee replacement, and stunt insertion.

The cost of treatment in Ayushman Bharat Yojana (ABY) is 15-20 percent less than the Central Government Health Scheme (CGHS).

What is the qualification of the beneficiary of ABY?

There is no formal procedure to avail of the Ayushman Bharat Scheme (ABY). Once eligible, you can undergo direct treatment. People from government-identified families can join ABY.

The central government will share the information of the eligible family in terms of ABY with all the state government and other related agencies of the area. After that these families will get a family identification number. Only those included in the list can avail Ayushman Bharat Yojana (ABY).

Those who will have the card of the National Health Insurance Scheme by 28 February 2018, they can also take advantage of the Ayushman Bharat Yojana (ABY).

In which hospital will the beneficiary of ABY be treated?

Beneficiaries of Ayushman Bharat Yojana (ABY) can be treated in all government hospitals. Besides, the beneficiaries of ABY can be treated in a private hospital in the government panel.

To join the panel, a private hospital must have at least 10 beds and the capacity to increase it

Which diseases are covered in the Ayushman Bharat scheme?

Under the Ayushman Bharat Yojana (ABY) or PM-JAY, about 50 crore people of 10 crore poor families of the country are being given health cover of Rs 5 lakh.

Ayushman Bharat Yojana (ABY), popularly known as medicare, has started on 25 September. The central government is providing health insurance of Rs 5 lakh annually to 10 crore families or 50 crore people of the country under Ayushman Yojana.

Ayushman Bharat Yojana(ABY) is also known as Pradhan Mantri Jan Arogya Yojana (PM-JAY). This is actually a health insurance scheme for the poor people of the country.

Prime Minister Narendra Modi has announced the 'Prime Minister Jan Arogya' (PM-JAY) scheme. It has been implemented nationwide from 25th September on the birth anniversary of Pandit Deen Dayal Upadhyay.

In the US, the country's (ABY) is also called Modicare, on the lines of Obamacare, a health protection scheme launched by former President Barack Obama.

Under Ayushman Bharat Yojana (ABY), about 50 crore people of 10 crore poor families of the country are being given health cover of Rs 5 lakh.

Let's know, who is benefiting from Ayushman Bharat Yojana (ABY or PM-JAY):

Which diseases are included in ABY?

Under the Ayushman Bharat Yojana (ABY), health insurance of up to 5 lakh rupees per year is being provided.

Chronic diseases are also covered in ModiCare (PM-JAY).
In the event of any illness, the expenses before and after admission to the hospital are also being covered. The expenditure on transport is also included in PM-JAY.

In case of any disease, all medical examination/operation / treatment, etc. are covered under PM-JAY.

The list of things that are outside the scope of health insurance is very small.

Who can avail Ayushman Bharat Yojana (ABY)?

10.74 crore families of the country can take advantage of PM-JAY.
These families have been identified as poor and underprivileged.
Socio-economic caste census data has been used to take advantage of Ayushman Bharat Yojana (ABY).

To take advantage of PM-JAY, no family size or age limit has been fixed.

How to avail Ayushman Bharat Yojana (ABY)?

ABY is being given cashless treatment from any hospital included in the health insurance panel.

Under the scheme, private hospitals that have stood the test are placed in the online panel.

Under it, treatment can be done in any hospital in the country.

The NITI Aayog for the Ayushman Bharat Scheme (ABY) has developed an IT framework for cashless or paperless treatment.

How will Ayushman Bharat Yojana (ABY) be implemented?

At the national level, the Ayushman Bharat Yojana (ABY) is being looked after by the National Health Protection Mission.

At the state level, the responsibility of PM-JAY lies with the State Health Protection Agency.

Where will the money spent on ABY come from?

The state and central government are sharing the costs coming on the Ayushman Bharat Scheme (ABY).

The state's stake in ABY is important.
The central government is sending money directly from the SCRO account to the state's health agency.

The estimated cost of Ayushman Bharat Yojana(ABY ) is 12 thousand crores.

What will benefit from ABY?

PM-JAY or ABY can prove to be a very useful step for the people belonging to disadvantaged sections in the country. The government believes that a health insurance scheme of up to five lakh rupees can help to overcome the health problems of a large population of the country.