1) Pradhan Mantri Jan Arogya Yojana (PM-JAY)

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● Prime Minister Narendra Modi on September 23, 2018 launched the flagship scheme 'Pradhan Mantri Jan Arogya Yojana' (PMJAY), also known as Ayushman Bharat or the National Health Protection Mission (AB-NHPM).
● Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is a Centrally Sponsored Scheme having central sector component under Ayushman Bharat Mission anchored in the Ministry of Health and Family Welfare (MoHFW).
● Ayushman Bharat is National Health Protection Scheme, which will cover over 10 crore poor and vulnerable families (approximately 50 crore beneficiaries) providing coverage upto 5 lakh rupees per family per year for secondary and tertiary care hospitalization.
● Ayushman Bharat - National Health Protection Mission will subsume the on-going centrally sponsored schemes - Rashtriya Swasthya Bima Yojana (RSBY) and the Senior Citizen Health Insurance Scheme (SCHIS)

Salient Features :
● Ayushman Bharat - National Health Protection Mission will have a defined benefit cover of Rs. 5 lakh per family per year.
● Benefits of the scheme are portable across the country and a beneficiary covered under the scheme will be allowed to take cashless benefits from any public/private empanelled hospitals across the country.
● Ayushman Bharat - National Health Protection Mission will be an entitlement based scheme with entitlement decided on the basis of deprivation criteria in the SECC database.
● The beneficiaries can avail benefits in both public and empanelled private facilities.
● To control costs, the payments for treatment will be done on package rate (to be defined by the Government in advance) basis.
● One of the core principles of Ayushman Bharat - National Health Protection Mission is to co-operative federalism and flexibility to states.
● For giving policy directions and fostering coordination between Centre and States, it is proposed to set up Ayushman Bharat National Health Protection Mission Council (AB-NHPMC) at apex level Chaired by Union Health and Family Welfare Minister.
● States would need to have State Health Agency (SHA) to implement the scheme.
● To ensure that the funds reach SHA on time, the transfer of funds from Central Government through Ayushman Bharat - National Health Protection Mission to State Health Agencies may be done through an escrow account directly.
● In partnership with NITI Aayog, a robust, modular, scalable and interoperable IT platform will be made operational which will entail a paperless, cashless transaction


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