AYUSHMAN BHARAT – PRADHAN MANTRI JAN AROGYA YOJANA (AB-PMJAY)

AB-PMJAY is the largest health assurance scheme in the world, providing a health cover of ₹5,00,000 per family per year for secondary and tertiary care hospitalization. The scheme benefits over 10.74 crore poor and vulnerable families (approximately 50 crore beneficiaries) covering the bottom 40% of the Indian population.

At Assam Medical College and Hospital (AMCH), the AB-PMJAY scheme is actively implemented to ensure that the benefits of this flagship program reach the people of Assam and the Northeast region.

Key Features of AB-PMJAY Scheme:

• World’s Largest Health Insurance Scheme: Fully financed by the government.
• ₹5 Lakh Per Family Per Year: Coverage for secondary and tertiary care hospitalization across public and private empanelled hospitals in India.
• Cashless Access: Beneficiaries receive cashless treatment at the hospital.
• Mitigating Financial Burden: Prevents catastrophic medical expenses that push nearly 6 crore Indians into poverty each year.
• No Restriction on Family Size, Age, or Gender.
• Nationwide Portability: Beneficiaries can avail treatment at any empanelled hospital across India.

AB-PMJAY at AMCH

As one of the premier and oldest medical institutes of the North-East region, Assam Medical College & Hospital (AMCH) plays a pivotal role in delivering the benefits of AB-PMJAY by providing a wide range of secondary and tertiary healthcare services to eligible beneficiaries.

Key Highlights of AB-PMJAY Implementation at AMCH:

✔ Specialized Care: AMCH provides super-specialty treatments in Cardiology, Neurology, Neurosurgery, Urology, Pediatric Surgery, and more under AB-PMJAY, ensuring high-quality care for complex medical conditions.

✔ Dedicated Infrastructure: A dedicated AB-PMJAY help desk assists patients with eligibility verification and claims processing.

✔ Cashless Hospitalization: Beneficiaries receive treatment without upfront payments, significantly reducing the financial burden on families.

Impact of AB-PMJAY at AMCH

Since its implementation, AB-PMJAY has positively impacted thousands of patients at AMCH, providing life-saving treatments and procedures.

• Reduced out-of-pocket expenditure for low-income families.
• Increased utilization of tertiary care services, especially for critical conditions.
• Improved overall health outcomes through timely and effective treatments.

Amount Deposited to Assam Arogya Nidhi Account

• 40% of the leftover claims amount is deposited timely into the Assam Arogya Nidhi Scheme account.

Future Outlook

AMCH is committed to strengthening the implementation of AB-PMJAY by:

• Enhancing infrastructure to accommodate more patients.
• Expanding the range of services to cover more medical conditions.
• Leveraging technology for better service delivery.
• Raising awareness to ensure maximum beneficiaries utilize the scheme.

Through continuous efforts, AMCH aims to ensure that no one is left behind in accessing quality healthcare under AB-PMJAY.