What is the insurance amount (Insurance) under the Ayushman Bharat Yojana?

Appeared in: MP CHO -2019 (Shift-1)

Explanation

The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) provides a health cover of up to ₹5 Lakhs per family per year.
This coverage is applicable for secondary and tertiary care hospitalization expenses.
It operates on a family floater model, meaning the total sum can be used by one or all members of the family.
The scheme places no cap on family size, age, or gender, and covers all pre-existing conditions from day one.

Option A: The insurance cover under PM-JAY is not ₹4 Lakhs. This is an incorrect value.
Option C: The insurance cover under PM-JAY is not ₹10 Lakhs. This amount is higher than the actual benefit.
Option D: The insurance cover under PM-JAY is not ₹3 Lakhs. This is an incorrect value.

Clinical Relevance

Nursing practice connection: This is primarily an exam-oriented knowledge point with limited direct bedside application, so retain Insurance coverage under Ayushman Bharat Yojana (PM-JAY) 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 aware of the scheme's provisions to guide patients.
A key nursing role involves verifying a patient's eligibility through their PM-JAY e-card and assisting with the necessary documentation for pre-authorization and claims.
Patient education is crucial. Nurses should explain to beneficiaries that the scheme is cashless and covers most expenses related to hospitalization, reducing their financial burden and anxiety.

How to Approach the Question

First, identify the core of the question, which asks for a specific factual detail (insurance amount) of a named government program (Ayushman Bharat Yojana).
Recognize this as a factual recall question common in community health nursing and general knowledge sections.
Access your knowledge base about major national health schemes in India. Ayushman Bharat (PM-JAY) is a flagship program, so its key features should be memorized.
Recall that the scheme provides a significant health cover to protect vulnerable families from high medical costs.
Compare the recalled amount with the given options. The correct coverage is ₹5 Lakhs per family per year.
Select the option that matches this fact.

Concept Tested & Keywords

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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

Practise the full MP CHO -2019 (Shift-1)

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