PM’S HEALTH INSURANCE SCHEME
What’s in news?
Cancer treatments will soon be covered under the Ayushman Bharat Yojana- Pradhan Mantri Jan Arogya Yojana (PM-JAY)
- According to the World Health Organisation, the rate of mortality due to cancer in India is high, with cancer the second-most common disease in India, responsible for maximum mortality, with about 0.3 million deaths per year.
- Government figures note that the estimated number of people living with the disease stands at around 2.25 million, with over 11 lakh new cancer patients registered each year.
- In India, the risk of developing cancer before the age of 75 years for males stands at 9.81% and females at 9.42%.
- Lung cancer is the most common type of cancer in India, followed by breast cancer and oral cancers.
- The need for including cancer treatment into the healthcare package came from the fact that the cancer care costs were causing massive financial crisis among people and many had to go without treatment.
- Patients often need to undergo multiple therapies for cancer treatment, including chemotherapy, surgery and radiation, which are very expensive.
- The Ayushman Bharat Yojana is planning to include all types of cancers and their treatment under its healthcare packages.
- There are plans to draft road map within the next three months.
- The rationale behind inclusion of cancer treatment in PM-JAY is that nobody should have to go without treatment for the want of money.
- National Health Protection Scheme is a centrally sponsored scheme launched in 2018, under the Ayushman Bharat Mission.
- The National Health Protection Scheme (NHPS) scheme is formed by subsuming multiple schemes including Rashtriya Swasthya Bima Yojana, Senior citizen health Insurance Scheme (SCHIS), Central Government Health Scheme (CGHS), Employees’ State Insurance Scheme (ESIS) etc.
- The Central Government’s health insurance scheme aims to give medical cover to over 10 crore poor and vulnerable families of approximately 50 crore beneficiaries.
- It provides coverage of up to Rs.5 lakh per family per year for secondary and tertiary care hospitalization.
- Indu Bhushan is the Chief Executive Officer (CEO) and Dr Dinesh Arora as the Deputy CEO of Ayushman Bharat Yojana.
- To ensure that nobody is left out (especially women, children and elderly) there is no cap on family size and age in the scheme.
- The benefit cover will also include pre and post-hospitalization expenses.
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