- Ayushman Bharat Yojana Village Wise Beneficiary List And Hospital List
Ayushman Bharat Yojana (PMJAY): Introduction
Ayushman Bharat Yojana, also known as the Pradhan Mantri Jan Arogya Yojana (PMJAY), is a scheme that aims to help economically vulnerable Indians who need healthcare facilities.
Rolled out by the Prime Minister on 23 September 2018, this health insurance scheme covers about 50 crore citizens in India and already has several success stories to its credit. As of September 2019, around 18,059 hospitals were empanelled, over 4,406,461 beneficiaries were admitted, and over ten crore e-cards were issued under the scheme.
The Ayushman Bharat Yojana –
PMJAY health cover categories: eligibility criteria for rural and urban people
The PMJAY scheme aims to provide healthcare to 10 crore families, mostly poor and have lower middle income, through a health insurance scheme covering Rs. 5 lakh per family. The ten crore families comprise eight crore families in rural areas and 2.33 crore families in urban areas. Broken into smaller units, this means the scheme will aim to cater to 50 crore individual beneficiaries.
However, the scheme has certain pre-conditions by which it picks who can avail of the health cover benefit. While in the rural areas, the list is mostly categorised on lack of housing, meagre income and other deprivations, the urban list of PMJAY beneficiaries is drawn up based on occupation.
The 71st round of the National Sample Survey Organisation reveals that a staggering 85.9% of rural households do not have access to any healthcare insurance or assurance. Additionally, 24% of rural families access healthcare facilities by borrowing money. PMJAY aims to help this sector avoid debt traps and avail services by providing yearly assistance of up to Rs. 5 lakh per family. The scheme will aid economically disadvantaged families as per data in the Socio-Economic Caste Census 2011. Here too, households enrolled under the Rashtriya Swasthya Bima Yojana (RSBY) will come under the ambit of the PM Jan Arogya Yojana.
In the rural areas, the PMJAY health cover is available to:
- Those living in scheduled caste and scheduled tribe households
- Families with no male member aged 16 to 59 years
- Beggars and those surviving on alms
- Families with no individuals aged between 16 and 59 years
- Families having at least one physically challenged member and no able-bodied adult member
- Landless households who make a living by working as casual manual labourers
- Primitive tribal communities
- Legally released bonded labourers
- Families living in one-room makeshift houses with no proper walls or roof
- Manual scavenger families
- According to the National Sample Survey Organisation (71st round), 82% of urban households do not have health insurance. Further, 18% of Indians in urban areas have addressed healthcare expenses by borrowing money in one form or the other. Pradhan Mantri Jan Arogya Yojana helps these households avail of healthcare services by providing funding of up to Rs. 5 lakh per family per year. PMJAY will benefit urban workers’ families in the occupational category present in the Socio-Economic Caste Census 2011. Further, any family enrolled under the Rashtriya Swasthaya Bima Yojana will benefit from the PM Jan Arogya Yojana.
In the urban areas, those who can avail of the government-sponsored scheme consist mainly of:
- Washerman/ chowkidars
- Mechanics, electricians, repair workers
- Domestic help
- Sanitation workers, gardeners, sweepers
- Home-based artisans or handicraft workers, tailors
- Cobblers, hawkers and others providing services by working on streets or pavements
- Plumbers, masons, construction workers, porters, welders, painters and security guards
- Transport workers like drivers, conductors, helpers, cart or rickshaw pullers
- Assistants, peons in small establishments, delivery boys, shopkeepers and waiters
People not entitled to the health cover under Pradhan Mantri Jan Arogya Yojana:
Those who own a two, three or four-wheeler or a motorised fishing boat
Those who own mechanised farming equipment
Those who have Kisan cards with a credit limit of Rs. 50000
Those employed by the government
Those who work in government-managed non-agricultural enterprises
Those earning a monthly income above Rs. 10000
Those owning refrigerators and landlines
Those with decent, solidly built houses
Those owning 5 acres or more of agricultural land