What is PM-JAY?
- India’s national health insurance scheme, launched in 2018
- Provides ₹5 lakh per family per year health cover
- Targets poor and vulnerable households
- Offers cashless and paperless treatment
- Applicable in government and empanelled private hospitals
- Covers secondary and tertiary healthcare
- Aims to achieve Universal Health Coverage (UHC)
Which major diseases and treatments are covered?
- Cardiac diseases: angioplasty, bypass surgery
- Cancer: chemotherapy, radiotherapy, cancer surgeries (including liver cancer)
- Kidney diseases: dialysis, treatment for kidney failure
- Liver diseases: treatment for liver failure
- Neurological conditions: stroke management, brain surgeries
- Orthopaedic care: knee and hip replacement surgeries
- Maternal health: C-sections, high-risk deliveries
- Accident & trauma care: road accidents, burn injuries
- Child healthcare: NICU services, paediatric surgeries
How does PM-JAY strengthen Universal Health Coverage (UHC) in India?
- Provides financial risk protection to the poorest sections
- Reduces Out-of-Pocket Expenditure (OOP)
- Prevents catastrophic health expenditure and medical impoverishment
- Ensures equitable access to quality healthcare services
- Expands healthcare access through public–private partnerships
- Enables nationwide portability of health benefits
- Addresses the growing burden of non-communicable diseases (NCDs)
- Treats healthcare as a right, not a privilege