The Ayushman Bharat Yojana is the Government of India’s flagship health insurance scheme, which was launched in September 2018. The scheme’s goal is to protect poor and vulnerable families from catastrophic health-care costs while also ensuring access to high-quality health-care services.

The scheme has two components:

• Pradhan Mantri Jan Arogya Yojana (PMJAY): This component allows eligible families to receive cashless treatment for secondary and tertiary hospitalization up to Rs. 5 lakh per family per year. More than 10 crore families (approximately 50 crore beneficiaries) from the poor and vulnerable sections of society are covered by the scheme.
• Health and Wellness Centers (HWCs): The government is transforming existing sub-health centers and primary health centers to create 1.5 lakh Health and Wellness Centers (HWCs) under this component. These clinics will offer comprehensive primary healthcare services, including free essential drugs and diagnostics.

The Ayushman Bharat Yojana is one of the largest health insurance schemes in the world, and it is expected to have a significant impact on the health outcomes of the poor and vulnerable sections of society.