Ayushman Bharat Yojana Scheme (PMJAY) 

Considered as one of the greatest healthcare schemes on the planet, Ayushman Bharat Yojana means to cover in excess of 50 crore Indian citizens. It is planned particularly for the economically more vulnerable areas of the country. The PMJAY was dispatched in September 2018 giving health insurance inclusion of a greatest entirety safeguarded measure of Rs.5 lakh. 

The government health insurance scheme covers a large portion of the medical therapy costs, medications, diagnostics and pre-hospitalization costs. Furthermore, the scheme offers credit only hospitalization services through the Ayushman Bharat Yojana e-card which you can use to get healthcare services at any of the empanelled emergency clinics the nation over. Recipients of the scheme can profit hospitalization for important treatment by indicating their PMJAY e-card. 

What is Covered Under Ayushman Bharat Yojana Scheme? 

With the aim to give open healthcare to poor people and penniless, the Ayushman Bharat Yojana Scheme offers inclusion of up to Rs.5 lakh per family every year for auxiliary and tertiary hospitalization care. 

The health insurance under AB-PMJAY incorporates hospitalization expenses of recipients and incorporates the beneath parts: 

• Medical assessment, conference and therapy. 
• Pre-hospitalization. 
• Non-concentrated and escalated care services. 
• Medication and medical consumables. 
• Analytic and research center services. 
• Convenience. 
• Medical embed services, at every possible opportunity. 
• Food services. 
• Inconvenience emerging during treatment. 
• Post-hospitalization costs for as long as 15 days. 
• COVID-19 (Coronavirus) treatment. 

What isn't Covered Under Ayushman Bharat Yojana Scheme? 

Like different kinds of health insurance strategies, the Ayushman Bharat Yojana Scheme has a few rejections. Underneath parts are not secured under the scheme: 

• Out-Patient Department (OPD) costs. 
• Medication recovery. 
• Restorative medical procedures. 
• Fruitfulness medicines. 
• Singular diagnostics. 
• Organ relocate. 

Highlights of Ayushman Bharat Yojana Scheme 

The following are a portion of the key highlights of the PMJAY scheme: 

• It is one of the world's biggest health insurance schemes financed by the government of India. 

• Inclusion of Rs.5 lakh per family per annum for optional and tertiary consideration across open and private emergency clinics. 

• Around 50 crore recipients (more than 10 crore poor and weak entitled families) are qualified for the scheme. 

• Credit only hospitalization. 

• Conceals to 3 days of pre-hospitalization costs, for example, drugs and diagnostics. 

• Conceals to 15 days of post-hospitalization costs which incorporate drugs and diagnostics. 

• No limitation on the family size, sexual orientation or age. 

• Can profit services the nation over at any of the empanelled public and private emergency clinics. 

• All prior conditions secured from the very beginning. 

• The scheme incorporates 1,393 medical methods. 

• Incorporates costs for demonstrative services, drugs, room charges, physician's fees, specialist charges, supplies, ICU and OT charges. 

• Public medical clinics are repaid at standard with private emergency clinics. 

Advantages of Ayushman Bharat Yojana Scheme

The scheme is focused at the helpless and oppressed segments of the society. To oblige them, underneath are the advantages of the PMJAY: 

• It covers all hospitalization costs with credit only exchanges to recipients. 

• Convenience during hospitalization. 

• Pre and post-hospitalization costs. 

• Any complexities emerging during the treatment. 

• Can be utilized by all relatives. 

• No top on family size, age or sex. 

Prior conditions are incorporated from the very first moment.

A list of Critical Diseases or Illnesses Covered Under Ayushman Bharat Yojana Scheme: 

The medical consideration plot expanded inclusion for in excess of 1300 medical packages at empanelled public and private hospitals in the country. The following are a portion of the critical illnesses secured under the Ayushman Bharat Yojana:

• COVID-19
• Skull base surgery
• Prostate cancer
• Carotid angioplasty with stent
• Laryngopharyngectomy with gastric pull-up
• Pulmonary valve replacement
• Anterior spine fixation
• Double valve replacement
• Tissue expander for disfigurement following burns
• Coronary artery bypass graft