## Ayushman Bharat – PM-JAY Overview **Key Point:** PM-JAY is a centrally sponsored scheme launched in 2018 to provide health insurance coverage to vulnerable populations. ### Coverage Details - **Beneficiary population:** BPL and EWS households (approximately 50 crore people) - **Insurance coverage:** ₹5 lakh per family per annum - **Scope:** Hospitalization expenses for secondary and tertiary care - **Mechanism:** Cashless and paperless transactions at empaneled hospitals ### Key Features 1. Covers pre-existing conditions from day one 2. No age limit or waiting period 3. Covers up to 1,393 procedures across multiple specialties 4. Portable across states 5. Family floater model (entire family covered under one policy) **High-Yield:** PM-JAY is a demand-side financing scheme (insurance-based) rather than supply-side (direct government provision), making it distinct from other health system models. ### Distinction from Other Components - **Ayushman Bharat also includes:** Health and Wellness Centers (HWCs) for primary health care at grassroots level - **PM-JAY is specifically:** The insurance component targeting hospitalization costs
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