Another price revision for Ayushman Bharat

The Ayushman Bharat scheme or the Pradhan Mantri Jan Arogya Yojana was launched in 2018 and since then the scheme has been instrumental in providing healthcare services to the backward classes of the society. The scheme provides healthcare coverage up to INR 5 lakhs free of cost. The empanelled hospitals provide cashless treatments to individuals and the premiums are borne by the Government.


Know all about the Ayushman Bharat Scheme here.


Coverage under the Pradhan Mantri Jan Arogya Yojana (PMJAY) scheme is allowed for all types of secondary care and most types of tertiary care. There are 1354 packages under the scheme which contain the different treatments provided to the insured. These treatments have a package rate determined by the Central Government and the rates are 15% or 20% cheaper than the rates of Central Government Health Scheme.


Though the package rates have been specified under the PMJAY scheme, these rates are low and insufficient to provide quality healthcare to individuals. Therefore, the package rates of about 1300 treatments are under review. The Indian Medical Association has been demanding an increase in the package rates from a long time. Considering this demand and the rising medical costs, the prices of the package rates are under review.


How is the review being done?


To review the package rates the Government has established committees consisting of leading doctors from all over India. Moreover, there are other medical experts from leading medical institutions including the All Indian Institute of Medical Sciences, PGI Chandigarh. This committee would review the sustainability of the costs and ensure that quality healthcare needs are provided to the covered individuals.


How will it impact the insured?


A change in the price of the package rates would have no impact on the insured individuals. The premiums might increase but the premiums are paid by the Government of India. Thus, individuals don’t have to worry about any financial implication of the review.


As far as healthcare facilities are concerned, there would be a positive impact on the insured individuals. As the package rates would increase, the quality of healthcare provided would also increase. Individuals can, therefore, get better treatments for their illnesses. Moreover, the hospitals would also be more motivated in getting empanelled under the scheme as the package rates would increase. This would increase the network of empanelled hospitals in the country making it easier for insured individuals to seek cashless treatments at any convenient hospital.


The Ayushman Bharat scheme is a boon for individuals who cannot afford quality healthcare on their own. The scheme is also dynamic and open to changes from time to time. The latest change is the change in the package rates which is still underway. Once the change happens, the scheme would change for the better, both for the insured and also for those offering treatments.


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