Ayushman Bharat Scheme, National Health Protection Mission. Ayushman Bharat health insurance Online Registration Opened at abnhpm.gov.in. The Prime Minister Narendra Modi announced his flagship project, Ayushman Bharat or National Health Protection Scheme on Independence Day. The project will be launched on 25th September 2018 on the birth anniversary of “Deen Dayal Upadhyay”. Dubbed by ministers and BJP leaders as Medicare the full roll-out of the scheme is expected to be announced from Sep 25th, 2018 onwards.
The policy was initially announced by the then finance minister “Arun Jaitley” in February 2018 this year during the presentations of last full budget of the NDA government.
Ayushman Bharat is National Health Protection Scheme, which will cover over ten crore poor and vulnerable families (approximately 50 crore beneficiaries) providing coverage up to 5 lakh rupees per family per year for secondary and tertiary care hospitalization. Ayushman Bharat – National Health Protection Mission will subsume the on-going centrally sponsored schemes – Rashtriya Swasthya Bima Yojana (RSBY) and the Senior Citizen Health Insurance Scheme (SCHIS).
Features of Ayushman Bharat Yojana Program:
The Ayushman Bharat Yojana Program has been the talk of the town ever since its inception. It has caught the imagination of everyone, especially, with one proposition is that the name of this program may be changed to “NaMoCare” or “ModiCare” making it akin to the public health insurance system introduced by the former President of United States of America, Barack Obama under the name of “ObamaCare”. However, this program has been developed and customized for the people of India, and its salient features are:
This program will cover 10 Cr. families or 40% of the Indian population, too poor to pay for their healthcare.
This program will provide each family with INR 5 lakhs of insurance cover.
The central government and the state government would share the premium cost on a 60:40 ratio.
The projected premium per family is around INR 2000, the government may increase the premium to INR 5000 in later years.
The government will open wellness centers to help provide quality healthcare.
While public hospitals have already been roped into the network of hospitals providing the benefits of this scheme, private hospitals will be added on through an empanelment process.
NITI Aayog would be working towards developing a robust software, which could help minimize instances of fraud. This software would also have a prompt grievance redressal mechanism.
A pre-authorization would be required for treatments which could be potentially misused.
The transaction for care provided would be cashless. It is also important to note that the government would decide the cost of the healthcare package given to a patient, this would ensure that private hospitals are not able to tamper with the cost of healthcare.
The beneficiary would not be handed over any cash, this is to prevent the beneficiary from misusing the fund by paying for things other than their healthcare. Thus, there would be a direct transaction between the government and the hospital.
The government will set up an Ayushman Bharat National Health Protection Mission (AB-NHPM) Council as well as an Ayushman Bharat National Health Protection Mission Governing Board. In Fact, the Ayushman Bharat National Health Protection Mission would be headed by a full-time CEO, dedicated to taking this scheme forward.
To facilitate implementation, the center would also create an Ayushman Bharat National Protection Mission Agency, it would also support the states in creating state-level agencies.
Steps to Apply for Ayushman Bharat Scheme health insurance:
First Step: Go to official website https://abnhpm.gov.in/
Second Step: Click on the ‘Download Beneficiary List’ tab on the homepage.
Third Step: One new tab will open and Select ‘Rural’ or ‘Urban’ depending on your location and enter a mobile number to receive a one-time password.
Fourth Step: Once the OTP is entered, the list can be downloaded.
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