Ayushman Bharat Yojana: कैसे ले प्रधानमंत्री आरोग्य योजना 'मोदीकेयर' का लाभ
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Ayushman Bharat Yojana: कैसे ले प्रधानमंत्री आरोग्य योजना ‘मोदीकेयर’ का लाभ

प्रधानमंत्री मोदी ने गत 23 सितंबर को रांची से Ayushman Bharat Yojana (प्रधानमंत्री आरोग्य योजना) की शुरुआत की। इस योजना के तहत देश के 10 करोड़ परिवारों को पांच लाख रुपये का स्वास्थ्य बीमा (Health Insurance) मिलेगा। केंद्रीय बजट में इस योजना के पहले साल के लिए दो हजार करोड़ रुपये का शुरुआती आवंटन किया गया था।

क्या हैं यह आयुष्मान भारत योजना ‘Ayushman Bharat Yojana (ABY)’, कैसे इससे आम जनता स्वास्थ्य लाभ ले सकती हैं, क्यों ऐसी  योजना बनाई गई?  यहाँ इस लेख (Article) मे आयुष्मान भारत योजना के बारे में सब कुछ जानिए –

What is “Ayushman Bharat Yojana”?

In India, there are several families which are poor and experience a tough time during the time of ailments. In order to address this issue, the Indian Government has launched a new scheme namely “Ayushman Bharat Yojana”. On the Independence Day of India 2018, Prime Minister Narendra Modi announced the Ayushman Bharat Yojna in his speech. This scheme is launched to aim at the medical services for the deprived families of both rural and urban areas. A digital campaign was also initiated to aware people about the scheme on various social media platforms.

Ayushman Bharat Yojana or National Health Protection Scheme is a scheme aimed to provide a service to develop a  healthy, capable and content India. Also quoted as “Modicare”, this scheme primarily has two goals –

  1.  The first is to create a network of medical infrastructure across the nation.
  2.  To provide insurance coverage to at least 40 per cent of the population which is deprived of the secondary and tertiary level of care services.

The appointed Chief Executive Officer (CEO) is Indu Bhushan.

As per as the Ayushman Bharat scheme, a health assurance will be provided to 10 crore families or around 50 crore Indians, with up to Rs 5 lakh given as cover per year. To avail the costs, 60 % of funds would be met by the Central Government and the remaining will be given by the State Government.

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Need for the Ayushman Bharat Yojana

The need for this scheme is recognized by the fact that there is a majority of the population who do not receive proper medical facilities. According to the reports by National Sample Survey Organization, 85.9% of rural households and 82 % of the urban households have no access to medical assurance. Also, more than 24% and 18% of households in rural and urban regions respectively have to borrow or sell assets for the treatment, worsening their financial condition. To change this present scenario, Ayushman Bharat Yojna is being implemented.

प्रधानमंत्री नरेंद्र मोदी जी ने कहा था, “देश के गरीब अब गंभीर बीमारी के इलाज के लिए लाचार महसूस नहीं करेंगे और अपना सबकुछ गिरवी रखने को मजबूर नहीं होंगे।”

भारत सरकार का उद्देश्य भारत में मेडिकल सेवाओं को विश्व-स्तरीय बनाना हैं। इस योजना का प्रारंभिक बजट 12 हजार करोड़ का हैं लेकिन भारत सरकार इसे 2025 तक जीडीपी का 2.5 प्रतिशत करने का सोच रही हैं , जो कि एक क्रांतिकारी कदम साबित होने जा रहा हैं।

इससे गुणवत्ता वाले स्वास्थ्य और दवा तक पहुंच बढ़ जाएगी। इसके अलावा, वित्तीय संसाधनों की कमी के कारण आबादी की अनमोल जरूरतों को पूरा किया जाएगा। इससे समय पर उपचार, स्वास्थ्य परिणामों में सुधार, रोगी की संतुष्टि, उत्पादकता और दक्षता में सुधार, नौकरी निर्माण से जीवन की गुणवत्ता में सुधार होगा।

Beneficiaries of this Yojana

The poor, deprived rural families, which make a count of 8.03 crore,  are targeted by the scheme. Ayushman Yojna also identifies an occupational category of urban workers’ families of count 2.33 crore in urban areas, as per the latest Socio-Economic Caste Census (SECC) data.

In all, it will benefit 50 crore Indians by providing them with secondary and tertiary care hospitalization. The beneficiaries of are given categories (D1, D2, D3, D4, D5, D7) on the basis of their deprivation. Also, for the urban areas, 11 occupational criteria will determine the entitlement.

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Key features of Ayushman Bharat Yojana

There are 1354 packages included by the health ministry. Under the packages provided, many treatments will be provided at a subsidized rate of 15-20 per cent lesser than the Central Government Health Scheme (CGHS). The treatments include treatment for coronary bypass, knee replacements etc.

The access to services provided for the beneficiary is cashless and paperless in nature making this scheme more systematic and organized. The people who are eligible can avail the benefits in government and listed private hospitals. Additionally, expenses upto 5 lakhs are included in the plan. To ensure that nobody is left out (especially women, children and the elderly), there will be no cap on the family size and age under the AB-NHPS.

One can visit mera.pmjay.gov.in or call 14555 to check if they are enrolled. A beneficiary needs to key in mobile by verifying through OTP and later, by completing the KYC online.

आयुष्मान भारत योजना की विशेषताएँ

  • सरकार 10.74 लाख परिवारों को मुफ्त 5 लाख रुपए का स्वास्थ्य बीमा प्रदान करेगी।
  • अस्पतालों में विभिन्न प्रकार के मेडिकल चेकअप मुहैया कराए जाएंगे।
  • इस योजना के तहत, जिला अस्पतालों में सुविधाएं बढ़ाई जाएंगी।
  • सरकार की विभिन्न राज्यो में हेल्थ वेलनेस सेंटर खोलने की योजना हैं |इन सेंटर में इलाज होगा और मुफ्त दवाइयाँ मिलेंगी|
  • टीवी रोगियों के लिए जरूरतमंद सामग्री प्रदान करने के लिए 600 करोड़ आवंटित किए गए हैं।
  • चिकित्सीय शिक्षा को बढ़ावा देने के लिए, सरकार ने इस बार 24 नए मेडिकल कॉलेज और अस्पतालों की स्थापना का फैसला किया है।
  • आपको इस योजना का लाभ लेने के लिए 1200 तक का प्रीमियम भरना होगा जो कि सालाना भरना होगा|
  • इस योजना के तहत व्यक्ति सरकारी और निजी दोनो हस्पतालों में अपना इलाज करवा सकता है |
  • 8735 हस्पतालों को आयुष्मान भारत योजना से जोड़ा जाएगा |
  • मरीज के हस्पताल में भर्ती होने से पहले का खर्च और हस्पताल से डिसचार्ज होने के बाद का खर्च भी सरकार द्वारा किया जाएगा |

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कैसे ले प्रधानमंत्री आरोग्य योजना का लाभ?

Any charges and premium for the hospitalization expenses ARE not required to be paid by the beneficiaries. The pre- and post-hospitalization expenses are also taken care in this scheme.

Ayushman Mitra‘ are appointed at each hospital to assist patients and will coordinate with beneficiaries and the hospital. A help desk will be run by them to check documents, to verify the eligibility, and admission to the scheme.

A letter having QR codes will be given to all the beneficiaries which will be scanned in order to conduct a demographic authentication for identification and verification of the eligibility to avail the benefits of the scheme.

Benefits of the scheme are portable across the country and cashless benefits are allowed for the beneficiary covered under the scheme from any public/private empanelled hospitals across the country.


A total of 30 States and Union Territories have signed the MoU and hence, the program will be implemented in those states and UT. The only regions exclusive of this scheme are Delhi, Kerala, Odisha, Punjab, Telangana. Once they come on the board, the scheme would be implemented there as well.

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