Question

List any five salient features of PM – JAY.

Answer 1

1. Cashless and Paperless Treatment: PMJAY offers a smooth and hassle-free healthcare experience. Beneficiaries are not required to make advance payments, and all transactions are carried out digitally, removing the need for paperwork.
2. High Financial Coverage: The scheme provides coverage of up to ₹25 lakh per family per year. It includes expenses for hospitalisation, medical treatments, medicines, diagnostic tests, and follow-up care, thereby reducing the financial burden on families who need healthcare services.
3. No Restrictions on Eligibility: The scheme has no limits on family size or age and includes coverage for pre-existing conditions. It ensures that all family members are eligible for treatment, providing equal and non-discriminatory access to healthcare.
4. Extensive Medical Coverage: The scheme provides coverage for a wide range of treatments, including serious illnesses like cancer, heart diseases, and maternity care. It also covers major surgeries, helping to ease the financial burden on economically weaker families.
5. Accessibility Across India: PM-JAY is available in both government and private hospitals. Beneficiaries can receive treatment anywhere in the country, provided the hospitals are empanelled under the scheme, ensuring wider access to healthcare.