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রাষ্ট্রব্যবস্থা ও শাসনGS2
GS2

Ayushman Bharat scheme healthcare financial protection impact

Source:Indian Express ↗

কেন এটি গুরুত্বপূর্ণ

Crucial for understanding India's social sector policy, universal health coverage, financial risk protection, and the efficacy of public-funded health insurance schemes like Ayushman Bharat.

সারসংক্ষেপ

The article discusses the impact, reach, and challenges of the Ayushman Bharat scheme in addressing healthcare access and financial risk protection for the poor and vulnerable population in India.

মূল বিষয়

  • Ayushman Bharat (AB PM-JAY) is a flagship health assurance scheme in India providing coverage for secondary and tertiary care hospitalization.
  • The scheme plays a crucial role in reducing out-of-pocket expenditure (OOPE) for poor and vulnerable households.
  • Challenges remain in terms of primary healthcare infrastructure integration, regional disparities in utilization, and the need for greater public investment in health.
  • Effective social protection in health requires balancing public provisioning with strategic purchasing from private providers to ensure equitable coverage.

গুরুত্বপূর্ণ শব্দ

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY)

India's flagship public health insurance scheme providing cashless health coverage of up to ₹5 lakh per family annually for secondary and tertiary hospitalization to economically vulnerable households.

UPSC context

GS Paper II (Social Sector - Health, Welfare Schemes for Vulnerable Sections). Evaluates financial risk protection and public healthcare access.

Source
Ayushman Bharat Health and Wellness Centres

Network of grassroots primary healthcare facilities (now renamed Ayushman Arogya Mandir) designed to deliver comprehensive primary healthcare, including preventive health services and diagnostics near communities.

UPSC context

GS Paper II (Issues Relating to Development and Management of Social Sector/Services relating to Health). Tests primary healthcare infrastructure strengthening.

Source

সংযুক্ত স্থির ধারণা

Social Sector Health Welfare Schemes

What are the key components and financing structure of Ayushman Bharat (AB-PMJAY)?

  • Coverage Limit: World's largest health assurance scheme providing ₹5 lakh per family annually for secondary and tertiary hospitalization.
  • Target Group: Beneficiaries identified using Socio-Economic Caste Census (SECC) 2011 deprivation and occupational criteria, plus recent universal senior citizen (70+) inclusion.
  • Funding Pattern: Centrally Sponsored Scheme funded jointly by the Centre and States (typically a 60:40 ratio, with 90:10 for North-Eastern and Himalayan States).

আন্তঃবিষয় প্যাটার্ন

  • Public Health Spending vs. Fiscal Deficit

    Rising public health spending is balanced against fiscal deficit targets under the FRBM Act, creating tension between social welfare expansion and macro-fiscal stability.

  • State Capacity and Private Sector Regulation

    AB PM-JAY relies on private hospital empanelment, linking government health assurance to the regulation of private healthcare providers and commercial insurance norms.

AB PM-JAY beneficiary identification (SECC 2011 criteria) + recent senior citizen expansion will likely be tested via a multi-statement MCQ.

সংযুক্ত PYQ · 3

সংযুক্ত PYQ · 3

  • 2018MainsGS2

    Appropriate local community-level healthcare intervention is a prerequisite to achieve 'Health for All' in India. Explain.

  • 2024MainsGS2

    In a crucial domain like the public healthcare system the Indian State should play a vital role to contain the adverse impact of marketisation of the system. Suggest some measures through which the State can enhance the reach of public healthcare at the grassroots level.

  • 2023MainsGS2

    The crucial aspect of development process has been the inadequate attention paid to Human Resource Development in India. Suggest measures that can address this inadequacy.