Ayushman Bharat: A five-year journey of healthcare transformation

Ayushman Bharat

In the realm of healthcare, Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) stands as a remarkable feat, revolutionizing how healthcare is accessed and provided to the most vulnerable segments of Indian society. As the world’s largest fully government-financed health insurance scheme, AB-PMJAY has brought about a paradigm shift by ensuring universal health coverage for those who need it the most. Embarking on a five-year journey of monumental significance, AB-PMJAY has brought about unprecedented changes in how healthcare is perceived, accessed, and delivered across the nation. Let’s delve into the core aspects of AB-PMJAY, from its inception to its achievements, challenges, and prospects.

Empowering the Underprivileged

AB-PMJAY’s genesis was rooted in a resounding vision – to empower the underprivileged with access to quality healthcare services. The scheme’s cornerstone lies in its commitment to alleviate the financial burden of healthcare expenses, a daunting challenge faced by countless families. By offering a substantial health cover of Rs. 5 lakh per family per year, AB-PMJAY has taken a bold stride towards universal health coverage, transcending economic barriers.

Essence of AB-PMJAY

The essence of AB-PMJAY can be broken down into several key principles that have shaped its immense impact:

  • Inclusive Coverage: Over 12 crore families, constituting the bottom 40% of India’s population, have been embraced by the protective umbrella of AB-PMJAY.
  • Diverse Packages: With a comprehensive array of 1,949 healthcare packages, AB-PMJAY’s canvas covers an extensive spectrum of medical and surgical treatments, including critical procedures like cancer care and cardiac interventions.
  • Shared Funding Model: Rooted in a collaborative spirit, AB-PMJAY is a testament to the synergy between central and state governments, fostering a shared commitment to holistic healthcare.
  • Technological Backbone: Harnessing the power of technology, AB-PMJAY relies on an advanced IT platform, seamlessly connecting beneficiaries, services, and grievance resolution.
  • Cross-Border Accessibility: Recognizing the dynamic mobility of India’s population, AB-PMJAY’s interstate portability ensures healthcare continuity even when beneficiaries traverse state borders.
  • Guardian Arogya Mitras: Pradhan Mantri Arogya Mitras (PMAMs) emerge as vital pillars, offering guidance and support at every step of the beneficiary’s journey, from verification to treatment.

A Chronicle of Achievement

AB-PMJAY’s five-year odyssey has been marked by resounding achievements that have redefined healthcare paradigms:

  • Comprehensive Outreach: Encompassing over 15.5 crore families, AB-PMJAY’s embrace has extended to nearly 50 crore beneficiaries, fostering a culture of health security.
  • Financial Resilience: By realizing substantial savings exceeding Rs. 1 lakh crore, AB-PMJAY has fortified families against the crippling weight of healthcare expenses.
  • Economizing Out-of-Pocket Expenses: With a 60% reduction in out-of-pocket healthcare expenses, AB-PMJAY has alleviated the financial stress borne by families, bolstering their economic well-being.
  • Elevated Access and Quality: AB-PMJAY’s elevation of healthcare quality through standardized treatment protocols and performance-based incentives has invigorated the healthcare landscape.

Ayushman Bharat: Challenges

Even as AB-PMJAY’s achievements shine brightly, the path forward is illuminated by the spotlight on persistent challenges:

  • Awareness Disparities: Bridging the gap of awareness, especially in rural pockets, stands as a critical task in ensuring AB-PMJAY’s equitable utilization.
  • Supply-Side Gaps: Uneven distribution of healthcare infrastructure necessitates strategic interventions to ensure equitable access across all regions.
  • Enhanced Reimbursements: Streamlining timely and sufficient reimbursements to empanelled hospitals, coupled with periodic package rate revisions, remains pivotal for the scheme’s sustainability.
  • Combatting Fraud: The continuous battle against fraud and misuse demands heightened vigilance and robust mechanisms to safeguard AB-PMJAY’s integrity.

Charting a Future of Transformation

As AB-PMJAY enters its next phase, its transformative potential holds remarkable promise:

  • Path to Transformation: AB-PMJAY’s profound impact has positioned it as a transformative force, steering India closer to the aspiration of Universal Health Coverage by 2030.
  • Holistic Integration: The integration of primary, secondary, and tertiary care, coupled with innovative digital healthcare solutions, can further amplify AB-PMJAY’s accessibility and quality.
  • Socio-Economic Progress: Beyond healthcare, AB-PMJAY’s ripple effect on economic growth, poverty reduction, and social justice reverberates across society.


Ayushman Bharat Pradhan Mantri Jan Arogya Yojana’s five-year journey embodies the spirit of inclusivity, resilience, and transformation. Beyond a mere healthcare scheme, it has emerged as a beacon of hope, illuminating the path toward a healthier, more equitable future. As AB-PMJAY continues to evolve, it not only raises healthcare standards but also reshapes destinies, affirming its position as the cornerstone of India’s progressive journey.

Click to Know: Ayushman Bharat – National Health Protection Mission

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