Ayushman bharat an emerging national Health protection scheme and its coverage On rural and urban families of Gujarat

Abstract

In India, several public health insurance schemes are being tried to improve access to health services and minimize the economic impact, especially for economically vulnerable population. Government of India launched Ayushman Bharat Yojna in September 2018, this is also known as Pradhan Mantri Jan Arogya Yojana (PM- JAY) and National Health Protection Scheme (NHPS), which provide a ceiling of five lakhs per household for hospitalization. The study was done to assess the coverage of Ayushman Bharat on rural families of Gujarat. A cross-sectional study was conducted in the rural area of Vadodara district of Gujarat. Simple random sampling was done in 208 households. Data was collected using semi- structured tool, after data entry the descriptive statistics were presented in frequency tables. The revealed that out of 201 household only 77.61% household were covered under Ayushman Bharat Scheme. Out of 201 households, 24.38% of households faced hospitalization during last 365 days and out of those households faced newlinehospitalization only 65.31% availed the benefits of Ayushman Bharat Scheme, 18.73% done expenditure from household income and saving and rest 16.33% paid their expenditure by borrowing.Ayushman Bharat is a good scheme newlinecovering health insurance up to five lakhs annually to the beneficiaries. The coverage of the PM- JAY is good in majority of state in India.