Ayushman Bharat — National Health Protection Mission
Ayushman Bharat — National Health Protection Mission (AB-NHPM)
ü G.S. Paper 2
ü About Ayushman Bharat — National Health Protection Mission (AB-NHPM)
ü Features and application of the scheme
The Union Cabinet approved the launch of ‘Ayushman Bharat — National Health Protection Mission’ (AB-NHPM).
AB-NHPM will subsume the on-going centrally sponsored schemes — Rashtriya Swasthya Bima Yojana (RSBY) and the Senior Citizen Health Insurance Scheme (SCHIS).
The NDA government’s scheme aims to provide health cover of 5 lakh per year to 10 crore poor and vulnerable families through the Ayushman Bharat-National Health Protection Missio
What are the salient features of the AB-NHPM scheme?
This scheme has the benefit cover of Rs. 5 lakh per family per year.
The target beneficiaries of the proposed scheme will be more than 10 crore families belonging to poor and vulnerable population based on SECC database.
The Rs. 5 lakh per family a year cover will take care of almost all secondary care and most of tertiary care procedures.
To ensure that nobody is left out (especially women, children and elderly) there will be no cap on family size and age in the scheme.
The benefit cover will also include pre- and post-hospitalisation expenses.
All pre-existing conditions will be covered from day one of the policy.
A defined transport allowance per hospitalisation will also be paid to the beneficiary.
Also, 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 hospital across the country.
AB-NHPM will be an entitlement based scheme with entitlement decided on the basis of deprivation criteria in the SECC database.
AB-NHPM applicable to both Public and Private sectors-
The beneficiaries can make use of benefits in both public and empanelled private facilities.
All public hospitals in the States implementing AB-NHPM, will be deemed empanelled for the Scheme.
Keeping in view the State specific requirements, States/ UTs will have the flexibility to modify these rates within a limited bandwidth.
One of the core principles of AB-NHPM is co-operative federalism and to give flexibility to States.
There is provision to partner the States through co-alliance.
The expenditure incurred in premium payment will be shared between Central and State Governments in specified ratio as per Ministry of Finance guidelines.