Under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (ABPMJAY), how much cover per family per year is provided for secondary and tertiary care hospitalization?

1. A

   INR 2,00,000

2. B

   INR 5,00,000

3. C

   INR 7,00,000

4. D

   INR 10,00,000

Appeared in: ESIC Nursing Officer-7July 2024

Explanation

• The Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is a flagship scheme of the Government of India.
• It provides a health cover of up to ₹5,00,000 per family per year.
• This coverage is for secondary and tertiary care hospitalization for poor and vulnerable families.
• The scheme aims to provide financial risk protection against catastrophic health expenditure.
• Key benefits include cashless hospitalization, coverage for pre-existing conditions, and portability across India.

Why Other Options Were Wrong

• Option A: INR 2,00,000 is not the correct coverage amount under the AB-PMJAY scheme.
• Option C: INR 7,00,000 is an incorrect figure for the standard AB-PMJAY coverage.
• Option D: INR 10,00,000 is not the coverage amount provided by the central AB-PMJAY scheme.

Related Visual

• Visual 1: Infographic - A clear infographic summarizing the key features of AB-PMJAY, including the coverage amount, eligibility criteria, and benefits. This helps in quick recall of important facts.
• Visual 2: Flowchart - A flowchart illustrating the process for a beneficiary to avail cashless treatment under PM-JAY, from eligibility check to hospital discharge.

Clinical Relevance

• Nursing practice connection: Knowing Financial coverage under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) helps nurses interpret findings accurately and avoid errors in routine assessment, medication administration, and patient teaching.
• Nurses play a crucial role as patient advocates and facilitators for beneficiaries of schemes like AB-PMJAY.
• Nursing responsibilities include verifying patient eligibility using the PM-JAY e-card, assisting with the pre-authorization process, and educating the patient and family about the services covered under their package.
• Nurses help ensure a smooth, cashless admission and discharge process, reducing financial stress for vulnerable families.

How to Approach the Question

• Step 1: Identify the core subject of the question, which is the 'Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (ABPMJAY)'.
• Step 2: Recognize that this is a factual recall question asking for a specific detail of the scheme – the annual financial coverage per family.
• Step 3: Recall the key provisions of the AB-PMJAY scheme. The most prominent feature is its coverage amount.
• Step 4: Compare the recalled amount with the given options.
• Step 5: Select the option that correctly states the coverage is INR 5,00,000 per family per year.

Concept Tested & Keywords

• Concept Tested: Financial coverage under Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)
• Stem keywords: Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, ABPMJAY, cover per family per year, secondary and tertiary care
• Lead-in keywords: how much

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QxJ2ZZaNNMolHUNwwfwkHu

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