Flagship Ayushman Bharat Health Insurance Scheme

As the study data stating that the coronary angioplasty; dialysis among top 5 procedures performing under the Ayushman Bharat scheme. Coronary angioplasty and dialysis are among the top five medical procedures; that beneficiaries have undergone under the Centre’s flagship Ayushman Bharat health insurance scheme, the government informing in the recent study.

But the percutaneous transluminal coronary angioplasty; a minimally invasive procedure to unblock coronary arteries and allow the blood circulation unobstructing to the heart muscle; has been performing the most under the scheme, according to government data. The NHA is the apex body responsible for the implementation of the scheme which aims to provide a health cover of up to Rs 5 lakh per family per year for secondary and tertiary care hospitalisation to over 10.74 crore vulnerable families.

Health insurance scheme

But around 26 lakh people have availing treatment under the scheme so far. As the treatment for most diseases/conditions is available free at public hospitals. The beneficiaries of Ayushman Bharat Yojana need not required to pay any charges for the hospitalization expenses. But the benefit also includes pre and post-hospitalization expenses.

But still, a large number of people, including those from poor and vulnerable sections; have to incur out-of-pocket expenditure to get treatment, particularly for secondary and tertiary care hospitalisation, giving India’s large population, MoS for Health. PMAM informs the beneficiary about the expenses. The beneficiary is informed about amount of charges they may have to bear in case they are not hospitalized e.g. diagnostics but given other medical treatment.

Hospitals and healthcare providers

Over 15,000 hospitals and healthcare providers have been empanelled across the country under the scheme. The Ayushman Bharat Yojana will be cashless & paperless at public hospitals and selected private hospitals. The beneficiaries of Ayushman Bharat Yojana need not required to pay any charges for the hospitalization expenses. The benefit also includes pre and post-hospitalization expenses.

The NHA is the apex body responsible for the implementation of the scheme which aims to provide a health cover of up to Rs 5 lakh per family per year for secondary and tertiary care hospitalisation to over 10.74 crore vulnerable families. It is a matter of great concern that approximately 63% of India’s population still pays for health and hospitalization expenses by their own pocket.  The large part of our population use income, savings, borrow money or sell their assets to meet their healthcare expenses.