NORCET 9 Mains - 2025
Community Health Nursing
Easy
How much health insurance coverage under Pradhan Mantri Ayushman Bharat Jan Arogya Yojana (PM-JAY)?
Appeared in: NORCET 9 Mains - 2025
Explanation
- The Pradhan Mantri Jan Arogya Yojana (PM-JAY) is a flagship government scheme that provides a defined health cover of Rs. 5 Lakh per family per year.
- This coverage is intended for secondary and tertiary care hospitalization, aiming to reduce catastrophic out-of-pocket expenditure for poor and vulnerable families.
- The scheme operates on a family floater model, meaning the entire Rs. 5 Lakh can be used by one or multiple members of the enrolled family.
- It targets over 10.74 crore families identified through the Socio-Economic Caste Census (SECC) data.
Why Other Options Were Wrong
- Option A: 10 Lakh is not the correct coverage amount for the PM-JAY scheme. This amount is double the actual benefit provided.
- Option C: 8 Lakh is an incorrect value for the PM-JAY health cover. The scheme has a standardized benefit of Rs. 5 Lakh.
- Option D: 15 Lakh is significantly higher than the actual coverage provided under PM-JAY. This amount is three times the correct value.
Related Visual
- Visual 1: Infographic: A visual summary of the Pradhan Mantri Jan Arogya Yojana (PM-JAY), highlighting the 5 Lakh coverage, family floater concept, cashless service, and eligibility criteria. This helps in quick revision of the scheme's key features.
Clinical Relevance
- Nursing practice connection: This is primarily an exam-oriented knowledge point with limited direct bedside application, so retain Health Insurance Coverage under Pradhan Mantri Jan Arogya Yojana (PM-JAY) as background academic context rather than a clinical decision trigger.
- As a nurse, particularly in community health settings, knowing the details of PM-JAY is crucial for patient counseling and advocacy. You can guide eligible poor and vulnerable patients on how to avail cashless treatment, reducing their financial burden and ensuring they receive necessary care.
- Understanding the scheme helps in coordinating with 'Ayushman Mitras' in hospitals to facilitate a smooth admission and treatment process for beneficiaries.
- What if a patient from a rural area needs specialized treatment in a city hospital? Knowing that PM-JAY is portable across the country allows the nurse to reassure the patient and their family that they can access care at any empanelled hospital without being limited by their location.
How to Approach the Question
- Identify the core of the question: It asks for a specific factual detail (coverage amount) of a major government health program (PM-JAY).
- Recognize this as a factual recall question. The answer is a fixed number associated with the scheme.
- Scan the options provided, which are all monetary values.
- Recall the key features of Ayushman Bharat PM-JAY. The most prominent feature is its coverage amount.
- Match the recalled amount, Rs. 5 Lakh, with the given options to select the correct answer.
Concept Tested & Keywords
- Concept Tested: Health Insurance Coverage under Pradhan Mantri Jan Arogya Yojana (PM-JAY)
- Stem keywords: health insurance coverage, Pradhan Mantri Ayushman Bharat Jan Arogya Yojana, PM-JAY
- Lead-in keywords: How much
- Negative lead-in flag: false
Question ID
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