Name of the Scheme: Ayushman Bharat.

Year the Scheme was introduced: 23rd.September.2018.


Ayushman Bharat Yojana, which is a national health protection scheme, is now named as Pradhan Mantri Jan Arogya Yojana, this Scheme was introduced to help those economically backward or weak Indians. They need healthcare facilities. The main aim is to provide secondary and tertiary health care facilities completely cashless. It provides a card to the people which avails them these healthcare services across the country in any public or private hospitals. With this card, you can walk inside any hospital and get complete cashless treatment. This Scheme covers the expenses of 3 days of pre-hospitalisation and 15 days of post hospitalisation. And the e-card gives coverage of 5 lakh for each family every year.

Reason for implementation

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY) is a programme which is a part of the Union Government Scheme. And this Scheme is also a part of National health policy. This Scheme was launched in September 2018 by the Government of India. This Scheme provides healthcare facilities for 40% of the people living in this country. People can access their primary healthcare services from their family doctor. If in case they need additional healthcare facilities, then AB PM-JAY will provide them with the secondary healthcare facilities. In case they need additional specialist treatment and also those who are requiring hospitalisation, then they are provided with tertiary health care facilities. This Scheme provides services to 50 crore people and is also the world’s largest sponsored healthcare program by the government.


The main cause of the introduction of this scheme are as follows:

1. This Scheme has a provision for coverage of healthcare facilities for below poverty line families up to Rs.5 lakh.

2. All the beneficiaries for the Scheme are those who are selected from the socio-Economic caste census of 2011. And this Scheme covers 10 Crore families belonging to both urban and rural.

3. Here a special priority that is nearly 60% special regard is provided for the women, children and especially the female child.

4. This Scheme provides specialist healthcare facilities like cardiology and radiology etc. and also, they are provided with advanced medical treatment like cancer, other surgery etc.

5. This Scheme covers pre-existing diseases.

6. This Scheme involves cashless and paperless registration and administration.

7. This Scheme avails benefits all over India.

8. The private and the public hospitals have been instructed not to collect any charge from those people who avail the facilities from AB PM-JAY.

9. This Scheme improves the quality of life of those weaker sections of the society who are held back due to health-related issues.


The main effects of this Scheme are as follows:

1. The number of patients being treated in the hospital increased in a very large number. Because this Scheme covered nearly 100 million families.

2. Due to the introduction of this Scheme, the demand for medicines increased.

3. The pharmaceutical industry might grow economically gradually.


This Scheme was developed with a concept that “prevention is always better than cure”. This Scheme was made so that people don’t fall into poverty by investing in healthcare facilities. This Scheme was also done so that people don’t die due to lack of money.