Under the Prime Minister's Jan Arogya Yojana Scheme, how many members from each family are eligible to be beneficiaries?

Appeared in: RUHS, Jaipur, PB B.Sc Nursing Entrance-2019

Explanation

The Pradhan Mantri Jan Arogya Yojana (PM-JAY) provides a health insurance cover of up to ₹5 lakh per family per year.
A defining feature of this scheme is that there is no cap on the family size, age, or gender of the beneficiaries.
This means that every member of an eligible family, regardless of how large the family is, can avail the benefits under the single family floater policy.

Option A: This is incorrect. PM-JAY does not have a fixed limit of four members per family.
Option B: This is incorrect. The scheme does not cap the number of beneficiaries at six per family.
Option C: This is incorrect. There is no limit of eight members per family under the PM-JAY scheme.

Clinical Relevance

Nursing practice connection: This is primarily an exam-oriented knowledge point with limited direct bedside application, so retain Eligibility criteria for Pradhan Mantri Jan Arogya Yojana (PM-JAY) as background academic context rather than a clinical decision trigger.
Nurses are instrumental in identifying potential PM-JAY beneficiaries in clinical settings and can guide them on how to utilize the scheme's benefits for hospitalization.
During patient admission, nurses can coordinate with the hospital's 'Ayushman Mitra' to verify a patient's eligibility and facilitate a smooth, cashless treatment process, reducing financial stress on the family.
What if? If a patient is from a poor background but their family is not listed in the Socio-Economic Caste Census (SECC) 2011 data, they would not be automatically eligible for PM-JAY. In this case, the nurse should guide them to the hospital's social work department or inquire about state-specific health schemes that might offer financial aid.

How to Approach the Question

First, identify the specific government program mentioned in the question, which is the 'Prime Minister's Jan Arogya Yojana Scheme' (PM-JAY).
Next, pinpoint the exact information being asked: the number of family members eligible for benefits.
Recall or deduce the fundamental principles of this major public health scheme. PM-JAY is known for its wide-reaching, inclusive approach to providing healthcare for the poor.
Evaluate the given options. The options 'Four', 'Six', and 'Eight' propose a fixed, restrictive cap.
Contrast these restrictive options with the known inclusive nature of the scheme. The policy of having 'No limit' on family size is a key feature that distinguishes PM-JAY and aligns with its goal of providing comprehensive coverage to vulnerable families. This makes it the most logical answer.

Concept Tested & Keywords

Concept Tested: Eligibility criteria for Pradhan Mantri Jan Arogya Yojana (PM-JAY)
Stem keywords: Prime Minister's Jan Arogya Yojana Scheme, members, family, beneficiaries
Lead-in keywords: how many

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

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