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Highlights of Ayushman Bharat National Health Protection Scheme

This program has twin missions. They are,
- Creating a network of health and wellness centres to deliver comprehensive primary healthcare close to the community.
- Providing insurance cover to 40 per cent of India's population, that is most deprived, for secondary and tertiary care, including for instance, hospitalisation costs.
Features of Ayushman Bharat :
- This scheme will have a defined benefit cover of Rs. 5 lakh per family per year.
- Benefits of the scheme are portable across the country and a beneficiary covered under the scheme will be allowed to take cashless benefits from any public/private empanelled hospitals across the country.
- This will be an entitlement based scheme with entitlement decided on the basis of deprivation criteria in the SECC (Socio Economic Caste Census) database.
- The beneficiaries can avail benefits in both public and empanelled private facilities.
- To control costs, the payments for treatment will be done on package rate (to be defined by the Government in advance) basis.
- One of the core principles of this scheme is to co-operative federalism and flexibility to states.
- States would need to have State Health Agency (SHA) to implement the scheme.
- In partnership with NITI Aayog, a robust, modular, scalable and interoperable IT platform will be made operational which will entail a paperless, cashless transaction.
Note : The Ayushman Bharat scheme was approved by the Union Cabinet on March 21 this year with budgetary support of Rs 10,500 crore.
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