Ayushman Bharat Scheme

Prime Minister Shri Narendra Modi, in his Independence Day speech of 2018, announced the launch of the Ayushman Bharat-National Health Protection Scheme (AB-NHPS). 

On September 23, 2018, the Prime Minister Narendra Modi launched Ayushman Bharat, world’s largest government-funded healthcare scheme in Jharkhand’s capital Ranchi.

The Centre’s flagship scheme has been renamed as PM Jan Arogya Yojana (PMJAY). The scheme become operational from September 25 on the birth anniversary of Pandit Deendayal Upadhyay. 

Indu Bhushan has been appointed as a Chief Executive Officer (CEO) of the Ayushman Scheme. Dr Dinesh Arora is the Deputy CEO of Ayushman Bharat Yojana

The scheme subsumes the centrally sponsored schemes-Rashtriya Swasthya Bima Yojana (RSBY) and the Senior Citizen Health Insurance Scheme (SCHIS).

Insurance Cover: Under this scheme, around 10 crore poor families will be provided an insurance cover of Rs. 5 lakh every year.

Aim: The scheme has two goals.

  • One is to create a network of health and wellness infrastructure across the nation to deliver comprehensive primary healthcare services.
  • The other goal is providing insurance cover to at least 40 percent of India’s population which is majorly deprived of secondary and tertiary care services

Components: It consists of two major elements

  • National Health Protection Scheme: to provide cashless treatment to patients
  • Wellness Centres: to provide primary care to the patients. In fact, the government will upgrade existing Public Health Centres to Wellness Centres. The Budget has allocated Rs.1200 crore for this flagship programme.

Who is the AB-NHPS aimed at?

The scheme is targeted at poor, deprived rural families and identified occupational category of urban workers’ families. So, if we were to go the Socio-Economic Caste Census (SECC) 2011 data, 8.03 crore families in rural and 2.33 crore in urban areas will be entitled to be covered under these scheme, i.e., it will cover around 50 crore people. 

Who all are covered?

To ensure that nobody is left out (especially women, children and the elderly), there will be no cap on the family size and age under the AB-NHPS. The scheme will be cashless and paperless at public hospitals and empanelled private hospitals. 

How will the entitlement be decided?
AB-NHPM will be an entitlement based scheme where it will be decided on the basis of deprivation criteria in the SECC database. The beneficiaries are identified based on the deprivation categories (D1, D2, D3, D4, D5, and D7) identified under the SECC database for rural areas. For the urban areas, the 11 occupational criteria will determine entitlement. In addition, Rashtriya Swasthya Bima Yojna (RSBY) beneficiaries in states where it is active are also included.

Rural area categories: The different categories in rural areas include families having only one room with kucha walls and kucha roof; families having no adult member between the ages of 16 years and 59 years; female-headed households with no adult male member between the ages of 16 years and 59 years; disabled members and no able-bodied adult member in the family; SC/ST households; and landless households deriving major part of their income from manual casual labour. 
Also, these families in rural areas having any one of the following will be automatically included: households without shelter, destitute, living on alms, manual scavenger families, primitive tribal groups, and legally released bonded labour. 

Urban area categories: For urban areas, 11 defined occupational categories are entitled under the scheme. Main source of income related to household has been clarified in urban areas as beggars; rag-pickers; domestic workers; street vendors/cobblers/hawkers/other service providers working on the streets; construction workers/ plumbers/ masons/ labor/ painters/ welders/ security guards/coolies and other head-load workers; Sweepers/ sanitation workers/ malis; Home-based workers/ artisans/handicrafts workers/ tailors; Transport workers/ drivers/ conductors/helpers to drivers and conductors/cart pullers/ rickshaw pullers; shop workers/ assistants/ peons in small establishments/ helpers/ delivery assistants / attendants/ waiters; electricians/ mechanics/ assemblers/repair workers; washer-men/ chowkidars; Other work/Non-work ; Non-work (Pension/ Rent/ Interest, etc.) 


Union Budget 2020: The government has allocated Rs 6,400 crore for the Pradhan Mantri Jan Arogya Yojana (PMJAY) for 2020-21. Known popularly as Ayushman Bharat.

Some MCQs related to Ayushman Bharat Scheme

  1. When was the Ayushman Bharat scheme became operational?
    A) October 2, 2018
    B) November 25, 2018
    C) January 1, 2019
    D) September 25, 2018

    Answer: Option D

  2. The Ayushman Bharat scheme subsumes which among the following central schemes?
    i. Rashtriya Swasthya Bima Yojana (RSBY) 
    ii. Central Government Health Scheme (CGHS)
    iii. Senior Citizen Health Insurance Scheme (SCHIS)
    A) Only i
    B) Only ii
    C) Both i & ii
    D) Both i & iii

    Answer: Option D

  3. Who has been appointed as the CEO of the scheme?
    A) Dr. Dinesh Arora
    B) Amitabh Kant
    C) Nidhi Sachdeva
    D) Indu Bhushan

    Answer: Option D

  4. What is the insurance cover under the scheme for the beneficiaries?
    A) Rs 4 lakh
    B) Rs 5 lakh
    C) Rs 2 lakh
    D) Rs 3 lakh

    Answer: Option B 
  5. Who will head the Ayushman Bharat National Health Protection Mission Council (AB-NHPMC) formed at national level to implement the scheme?
    A) Minister of Ayush
    B) Minister of Health and Family Welfare 
    C) Home Minister
    D) NITI Aayog Chairman

    Answer: Option B 

  6. The states and UTs are required to set up SHA for the implementation of the scheme. What does SHA stands for?
    A) Society Health Aayog
    B) Strategic Health Agency
    C) State Health Agency
    D) Safety Health Agency

    Answer: Option C

  7. The Ayushman Bharat aims to target about ____________ crore beneficiaries under the scheme?
    A) 10.84 crore
    B) 10.54 crore
    C) 10.64 crore
    D) 10.74 crore

    Answer: Option D

  8. The government has partnered with which entity to make the process cashless?
    A) NITI Aayog
    B) NPCI
    C) Paytm
    D) Reliance

    Answer: Option A

  9. Under the Ayushman Bharat programme, government has announced two major initiatives namely National Health Protection Scheme and Health and Wellness Centre as the two flagship programme with the aim to build New India___________
    A) 2020
    B) 2021
    C) 2022
    D) 2023

    Answer: Option C