Implementation of PMJAY

Pradhan Mantri – Jan Arogya Yojana (PM JAY) is a scheme of the government under Ayushman Bharat to reduce the financial burden on poor and vulnerable groups arising out of catastrophic hospital episodes and ensure their access to quality health services.

Implementation of PM JAY

The following steps have been undertaken for the effective implementation of the PM JAY:

  • The State Governments have been given the flexibility to implement PM JAY either through insurance companies, or directly through trust/society, or in a mixed mode. 
  • National Health Agency (NHA) has been set up by the Government to implement PM JAY through State level Health Agencies.
  • A robust IT system has been put in place for effective implementation of the Scheme.
  • Central Grievance Redressal Management System has been set up for receiving grievances. A system has been put in place to acknowledge, record, escalate & resolve grievances as per well-defined process through a three-tier grievance redressal structure.
  • A multi-prong approach has been adopted by putting in place a fraud control mechanism.

PM-JAY scheme would provide poor, deprived rural families and identified occupational categories of urban workers’ families as per the latest Socio-Economic Caste Census (SECC) data (approx. 50 crore beneficiaries) with health benefit cover of Rs Five Lakhs per family per year at free of cost. The health benefits under the scheme include more than 1,350 medical packages covering surgery, medical and daycare treatments, cost of medicines and diagnostics.

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