Ayushman Bharat Scheme details.What is the motive behind PMJAY?

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PM Narendra Modi
Pradhan Mantri Jan Arogya Yojana (PMJAY), earlier known as Ayushman Bharat Yojana, is only meant for the deprived rural families and identified occupational category of urban workers families. In other words, the scheme is only meant for people of India who are below the poverty line.

The deprived rural families include as below:

You should belong to any one of the six deprivation (from D1 to D7) mentioned as below.

1) Only one room with kucha walls and kucha roof (D1)

2) No adult member between age 16 to 59 (D2)

3) Female-headed households with no adult male member between age 16 to 59 (D3)

4) Disabled member and no able-bodied adult member (D4)

5) SC/ST households (D5)

6) Landless households deriving a major part of their income from manual casual labour (D6)

Automatically included Households without shelter in the rural area: (D7)

1) Destitute/ living on alms

2) Manual scavenger families

3) Primitive tribal groups

4) Legally released bonded labour

The identified occupational category of urban workers' families include as below:

1) Ragpicker

2) Beggar.

3) Domestic worker.

4) Street vendor/ Cobbler/hawker / Other service provider working on streets.

5) Construction worker/ Plumber/ Mason/ Labour/ Painter/ Welder/ Security guard/ Coolie and another head-load worker

6) Sweeper/ Sanitation worker / Mali

7) Home-based worker/ Artisan/ Handicrafts worker / Tailor

8) Transport worker/ Driver/ Conductor/ Helper to drivers and conductors/ Cart puller/ Rickshawpuller

9) Shop worker/ Assistant/ Peon in small establishment/ Helper/Delivery assistant / Attendant/Waiter

10) Electrician/ Mechanic/ Assembler/ Repair worker

11) Washer-man/ Chowkidar

content source: pmjay.gov.in

Below are the 14 parameters based on which you (whether urban or rural area) will be excluded to benefit from Pradhan Mantri Jan Arogya Yojana (PMJAY).

1) Motorized 2/3/4 wheeler/fishing boat.

2) Mechanized 3-4 wheeler agricultural equipment.

3) Kisan credit card with a credit limit of over Rs. 50,000/-.

4) Household member government employee.

5) Households with non-agricultural enterprises registered with the government.

6) Any member of household earning more than Rs. 10,000 per month.

7) Paying income tax.

8) Paying the professional tax.

9) 3 or more rooms with pucca walls and roof.

10) Owns a refrigerator.

11) Owns a landline phone.

12) Owns more than 2.5 acres of irrigated land with 1 irrigation equipment.

13) 5 acres or more of irrigated land for two or more crop season.

14) Owning at least 7.5 acres of land or more with at least one irrigation equipment.

The no.6 point above clearly mentioned if household earning is more than INR 10,000 you will be excluded from PMJAY.

content source: secc.gov.in

What is the motive behind PMJAY?

If you are extremely poor and don't have the money to pay for your hospital bills then you may die just because of poverty if the illness is serious. If you are a rich person or at least have enough money meeting all your basic requirements then you may think how could someone be so poor that not even able to pay for the illness?

The problem is, still you haven't gone through the latest census (Janganana) data released by the SEC-2011 (Socio Economic and Caste Cenus 2011) carried out by The Ministry of Rural Development Government of India. According to the data there are a total of 24.49 crore households in the country of India including both rural and urban households. Out of 24.49 crore 10.74 crore households have been considered for deprivation (below poverty line).

10.74 crore of people considered for deprivation are among these as below.

1) Landless people generating their income from manual labour > 5.40 crore

2) Households having no any literate member in the family above the age of 25 > 4.22 crore

3) SC / ST households > 3.87 crore

4) Households with only one room kucha home and kucha roof > 2.38 crore

5) Families with no any male in it above the age of 16 > 77 lakh

The main objective of PMJAY is to help these families considered for deprivation as these people cannot support themselves in needs of time > related to their health or other sudden events happening in their life.

So this scheme is only for the people who are below the poverty line and cannot support themselves in needs of time. If your monthly income is more than Rs.10,000 and also having your own home or it be on rent you are not eligible for PMJAY.

The government is still working hard to collect the personal information of all the households in the country to be included in the Socio-Economic Caste Census (SECC) and their this information will remain confidential. However, this information will be open for use by the government departments to grant or restrict benefits to the households based on whether they are eligible to be included among those considered for deprivation.

SECC data is a compilation of 24 lakhs enumeration blocks where each enumeration block has roughly 125 households. This allows SECC data to rank household and categorize them on the basis of socioeconomic status using automatic exclusion criteria, automatic inclusion criteria and deprivation criteria.

This scheme will cover near about 10 crore poor and vulnerable families which will be around 50 crore people as beneficiaries (considering 5 members in each family). The scheme will reward Rs.5 lac per family per year for the secondary and tertiary care hospitalization. The government will spend around 3500 crore for this scheme per year and the funds will be the collective collaboration of the central and the state government.

The centre has already spent 850 crore on Ayushman Bharat as on 26 december 2018.

Written by: Rajesh Bihani who is the webmaster of this website. Know more about Rajesh Bihani)

Disclaimer: The suggestions in the article(wherever applicable) are for informational purposes only. They are not intended as medical or any other type of advice