Under the Pradhan Mantri Jan Arogya Yojana (PMJAY), how much health coverage is provided per family per year for secondary and tertiary hospitalization?

Appeared in: Haryana CHO - 2022

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 lakh per family per year.
This coverage is specifically for secondary and tertiary care hospitalization for over 10.74 crore poor and vulnerable families.
The scheme is designed to provide financial protection against catastrophic health expenditure.

Option A: The amount of ₹1 lakh is not the specified coverage under the PM-JAY scheme. This might be confused with other smaller-scale or older health insurance schemes.
Option B: The amount of ₹3 lakh is an incorrect value for the PM-JAY scheme's coverage.
Option D: The amount of ₹7 lakh is incorrect. The coverage provided by PM-JAY is capped at ₹5 lakh per family per year.

Clinical Relevance

Nursing practice connection: This is primarily an exam-oriented knowledge point with limited direct bedside application, so retain Financial coverage under Pradhan Mantri Jan Arogya Yojana (PMJAY) as background academic context rather than a clinical decision trigger.
Nurses are instrumental in the implementation of PM-JAY at the hospital level. They must be able to identify and verify eligible beneficiaries using their PM-JAY e-card or other identification.
A key nursing role is to guide patients and their families through the cashless hospitalization process, coordinating with the hospital's 'Ayushman Mitra' or helpdesk to ensure smooth authorization and treatment.
Nurses can act as patient advocates by ensuring that all covered services, including medicines, diagnostics, and post-hospitalization care, are provided as per the scheme's guidelines, thus reducing the patient's out-of-pocket expenditure.

How to Approach the Question

First, identify the core of the question. It asks for a specific factual detail: the monetary value of health coverage under the Pradhan Mantri Jan Arogya Yojana (PMJAY).
This is a factual recall question related to a major national health policy in India. Your success depends on your knowledge of current affairs and government health schemes.
Scan your memory for the key features of Ayushman Bharat (PM-JAY). The ₹5 lakh coverage amount is one of its most widely publicized features.
Compare this recalled fact (₹5 lakh) with the options provided.
Select the option that matches your knowledge. In this case, 'Up to 5 lakh rupees' is a direct match.
Eliminate the other options as they are incorrect values for this specific scheme.

Concept Tested & Keywords

Concept Tested: Financial coverage under Pradhan Mantri Jan Arogya Yojana (PMJAY)
Stem keywords: Pradhan Mantri Jan Arogya Yojana (PMJAY), health coverage, secondary and tertiary hospitalization
Lead-in keywords: how much
Negative lead-in flag: false

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E6 Parks TextBook of Preventive & Social Medicine part 2 — Subpart A (pp 1-232 of 464) p. 139-141

E6 Comprehensive Textbook of Community Health NursingShyamala D part 1 (pp 26-389 of 389) p. 95-97

E6 Parks TextBook of Preventive & Social Medicine part 1 — Subpart C (pp 404-604 of 604) p. 165-167

Practise the full Haryana CHO - 2022

Attempt every question from this paper in a timed mock, then review the full solution for each one.