The “Pradhanmantri Health Insurance Yojana” is a comprehensive health insurance scheme initiated by the government of India. It aims to provide financial protection and improved access to quality healthcare for all citizens. The scheme encompasses key features and benefits that make it a significant step towards ensuring affordable healthcare for every individual. Let’s delve deeper into the details of the scheme and explore the range of benefits it offers to the people of India.
What is Pradhan Mantri Health Insurance Yojana?
Pradhan Mantri Health Insurance Yojana, also known as PMJAY, is a government health insurance scheme aimed at providing financial protection to vulnerable families for secondary and tertiary care hospitalization. Launched in 2018, the scheme provides coverage of up to ₹5 lakh per family per year for listed medical and surgical procedures. It seeks to alleviate the financial burden on low-income households and ensure access to quality healthcare services. PMJAY is one of the world’s largest healthcare programs, offering cashless and paperless treatment across a network of empaneled hospitals.
- Coverage for listed medical and surgical procedures
- Financial protection for vulnerable families
- Cashless and paperless treatment
- Empaneled hospitals network for easy access
With the focus on “Pradhanmantri Health Insurance Yojana,” the scheme aims to make healthcare affordable and accessible to all.
Key Features and Benefits of the Pradhan Mantri Health Insurance Yojana
The Pradhanmantri Health Insurance Yojana offers several key features and benefits to the beneficiaries, making it a crucial healthcare initiative in India.
- Coverage: The scheme provides health coverage of up to Rs. 5 lakh per family per year for secondary and tertiary care hospitalization.
- Cashless Treatment: Beneficiaries can avail cashless treatment at empaneled hospitals, reducing the financial burden during medical emergencies.
- Pre-existing Conditions: The scheme covers pre-existing illnesses from the very beginning, providing comprehensive health protection.
- Family Floater: It offers a family floater policy, ensuring holistic coverage for the entire family under a single sum insured.
- No Age Bar: There is no upper age limit for enrollment, allowing elderly members to benefit from the scheme.
- Portability: The scheme allows portability across the country, enabling beneficiaries to access healthcare services anywhere in India.