The Pradhan Mantri Jan Arogya Yojana (PM JAY) proposes three models through which the states can implement the scheme. They are Under this Model, the premiums are paid to the insurance company, which administers and pays the claim. Under this Model, each State forms its own trust to manage the scheme and claims will be disbursed from a corpus created from central and State government contributions.
Pradhan Mantri – Jan Arogya Yojana (PM JAY) is a scheme of the government under Ayushman Bharat which aims to reduce the financial burden on poor and vulnerable groups arising out of catastrophic hospital episodes and ensure their access to quality health services was conceived.
Under the PM-JAY scheme about 10.74 crores poor, deprived rural families and identified occupational categories of urban workers’ families as per the latest Socio-Economic Caste Census (SECC) data (approx. 50 crore beneficiaries) will have health benefits cover of Rs Five Lakhs per family per year at free of cost. The health benefits cover includes more than 1,350 medical packages covering surgery, medical and daycare treatments, cost of medicines and diagnostics.