PM- Jan Arogya Yojana

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PM- Jan Arogya Yojana

  • Pradhan Mantri Jan Arogya Yojana (PM-JAY) provided cushion to only 14.25% of people hospitalised for COVID-19


  • The report was released by the Public Health Foundation of India and Duke Global Health Institute, United States
  • Their report, released in July this year, showed that the Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched in 2018 with a promise to provide annual insurance coverage of Rs 5 lakh per family to the poorest 40 per cent of the population, provided cushion to only 14.25 per cent of people hospitalised for the novel coronavirus disease (COVID-19), between April 2020 and June 2021.

Pradhan mantri Jan Arogya Yojna

  • The scheme was launched in September 2018 and recommended by the National Health Policy 2017, to achieve the vision of Universal Health Coverage (UHC).
  • It is a Centrally Sponsored Scheme
  • It was earlier known as the National Health Protection Scheme (NHPS) before being revamped.
  • It subsumed the Rashtriya Swasthya Bima Yojana (RSBY) launched in 2008.

Key Features:

  • It is the world’s largest health insurance/ assurance scheme fully financed by the government and the cost of implementation is shared between the Central and State Governments.
  • It provides a cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization across public and private empanelled hospitals in India.
  • It covers up to 3 days of pre-hospitalization and 15 days of post-hospitalization expenses such as diagnostics and medicines.
  • There is no restriction on the family size, age or gender whereas Rashtriya Swasthya Bima Yojana had a family cap of five members.


  • The households included are based on the deprivation and occupational criteria of Socio-Economic Caste Census 2011 (SECC 2011) for rural and urban areas respectively.


  • It provides cashless access to health care services for the beneficiary at the point of service, that is, the hospital.
  • It aims to mitigate out of the pocket expenditure on medical treatment which pushes nearly 6 crore Indians into poverty each year.


  • PM-JAY paid for only 0.52 million COVID-19 hospitalisations across the country.
  • It does not cover all the target groups and eligible individuals
  • Under PM-JAY, beneficiaries can go to only a list of empanelled private hospitals. This has remained a major problem, particularly in smaller towns and villages, where hospitals are few and far between.