Pradhan Mantri Jan Aarogya Abhiyan (PMJAA) : Analysis


  • The government-sponsored health insurance scheme will provide free treatment for up to Rs.5 lakh a family a year in any government or empanelled private hospitals all over India.
  • Meant to help the poor and the economically deprived, the scheme will be available for 10.74 crore beneficiary families and about 50 crore Indian citizens.
  • Read more details in Ayushman Bharat in Prelims Section.


  • Ayushman Bharat is an attempt to ensure that universal healthcare reached the weaker sections of society and it could raise the ratio of people availing primary and secondary healthcare.
  • The government has made this a technology-driven initiative, which is a great step to ensure transparency and effective implementation, and at a grander scale, this initiative would encourage more work in development of overall health infrastructure in the country.
  • Growing healthcare infrastructure in the country will help 50 crore poor people access medicines and essential drugs.
  • Besides addressing the challenges of geographic inaccessibility and unaffordability, Ayushman Bharat has the potential of creating a cost-effective digitised health economy and catapulting India to the league of developed nations.

The following steps have been undertaken for the effective implementation of the PM JAY:

  • The State Governments have been given the flexibility to implement PM JAY either through insurance companies, or directly through trust/society, or in a mixed mode. 
  • National Health Agency (NHA) has been set up by the Government to implement PM JAY through State level Health Agencies.
  • A robust IT system has been put in place for effective implementation of the Scheme.
  • Central Grievance Redressal Management System has been set up for receiving grievances. A system has been put in place to acknowledge, record, escalate & resolve grievances as per well-defined process through a three-tier grievance redressal structure.
  • A multi-prong approach has been adopted by putting in place a fraud control mechanism.


  • Current framework of the scheme will not be beneficial for people who need tertiary care as the remunerations under the scheme will not be sufficient to avail value-based healthcare.
  • Under the scheme, tertiary healthcare service providers will be forced to cut cost at every level, which will lead to offering substandard healthcare to patients under the scheme.
  • They may not be able to avail the necessary medication, technology and clinical expertise to get the best outcome and will soon lose confidence in the system.

Way forward

  • Today, nearly 80% of the healthcare in India is provided by the private healthcare system and to meet the burgeoning healthcare needs of Indian population through value-based medicine, the country needs a synchronised effort by both the private and public sectors.
  • The healthcare sector has noted that the government should look at mandatory universal health cover for all sections of society, which will increase the pool and allow cross-subsidy between the government and the private sector.


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