Gujarat PMJAY-MA Yojana: Mukhyamantri Ma Amrutum & Ma Card Is Now New Name PMJAY MA. Maa Yojana, Maa Vatsalya Yojana and Ayushyaman Bharat Pradhan Mantri Jan Arogya Yojana have been integrated by the state government. These three health oriented schemes have been merged into one and named PMJAY-MA Yojana.
Gujarat PMJAY-MA Yojana 2022
The Government has been considering renaming for the last several times. The state government has finally given the go-ahead to name the Gujarat PMJAY-MA Yojana. The scheme was implemented in the year 2012 for the purpose of providing free and quality medical treatment to the poor in Gujarat.
The Maa Vatsalya Yojana was implemented along with the scheme which received a very good response. In addition, Prime Minister Narendra Modi implemented the Lifelong India Pradhan Mantri Jan Arogya Yojana to provide free medical treatment up to Rs 5 lakh to the poor.
People in the state are getting a lot of benefits from this scheme. Based on the 2011 census, 45 lakh families in Gujarat are eligible to get the Living India Card as per the norms of the Central Government. At present, the state health department has decided to cover a total of 79 lakh families under the scheme.
Gujarat PMJAY-MA Yojana
According to sources, the life-long Bharat Pradhan Mantri Jan Arogya Yojana is slowly gaining ground. Not only this, Maa Yojana, Maa Vatsalya Yojana and Ayushyaman Bharat Pradhan Mantri Jan Arogya Yojana have been named PMJAY-MA Yojana under one umbrella as other aspects including Hospital Empowerment Software, Transaction Management Software are the same.
Pradhan Mantri Jan Arogya Yojana (PMJAY-MA Yojana)
PMJAY-MA Yojana was earlier known as the National Health Protection Scheme (NHPS) before being rechristened. It subsumed the then existing Rashtriya Swasthya Bima Yojana (RSBY) which had been launched in 2008. The coverage mentioned under PM-JAY, therefore, also includes families that were covered in RSBY but are not present in the SECC 2011 database. PM-JAY is fully funded by the Government and cost of implementation is shared between the Central and State Governments.
- PM-JAY is the world’s largest health insurance/ assurance scheme fully financed by the government.
- 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.
- Over 10.74 crore poor and vulnerable entitled families (approximately 50 crore beneficiaries) are eligible for these benefits.
- PMJAY-MA Yojana provides cashless access to health care services for the beneficiary at the point of service, that is, the hospital.
- PMJAY-MA Yojana envisions to help mitigate catastrophic expenditure on medical treatment which pushes nearly 6 crore Indians into poverty each year.
- It covers up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses such as diagnostics and medicines.
- There is no restriction on the family size, age or gender.
- All pre–existing conditions are covered from day one.
- Benefits of the scheme are portable across the country i.e. a beneficiary can visit any empanelled public or private hospital in India to avail cashless treatment.
- Services include approximately 1,393 procedures covering all the costs related to treatment, including but not limited to drugs, supplies, diagnostic services, physician’s fees, room charges, surgeon charges, OT and ICU charges etc.
- Public hospitals are reimbursed for the healthcare services at par with the private hospitals.
Benefit Cover Under PMJAY-MA Yojana
Benefit cover under various Government-funded health insurance schemes in India have always been structured on an upper ceiling limit ranging from an annual cover of INR30,000 to INR3,00,000 per family across various States which created a fragmented system. PM-JAY provides cashless cover of up to INR5,00,000 to each eligible family per annum for listed secondary and tertiary care conditions. The cover under the scheme includes all expenses incurred on the following components of the treatment.
- Medical examination, treatment and consultation
- Medicine and medical consumables
- Non-intensive and intensive care services
- Diagnostic and laboratory investigations
- Medical implantation services (where necessary)
- Accommodation benefits
- Food services
- Complications arising during treatment
- Post-hospitalization follow-up care up to 15 days
The benefits of INR 5,00,000 are on a family floater basis which means that it can be used by one or all members of the family. The RSBY had a family cap of five members. However, based on learnings from those schemes, PM-JAY has been designed in such a way that there is no cap on family size or age of members. In addition, pre-existing diseases are covered from the very first day. This means that any eligible person suffering from any medical condition before being covered by PM-JAY will now be able to get treatment for all those medical conditions as well under this scheme right from the day they are enrolled.