Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (abb. AB PM-JAY,
translation: Prime Minister's, People's Health Scheme; also referred to
as Ayushman Bharat National Health Protection Scheme abb. NHPS) is
a national public health insurance fund of the Government of India
that aims to provide free access to health insurance coverage for low
income earners in the country.
Roughly, the bottom 50% of the country qualifies for this scheme. [2]
People using the program access their own primary care services froma family doctor. When anyone needs additional care, then PM-JAY
provides free secondary health care for those needing specialist
treatment and tertiary health care for those requiring hospitalization.
The programme is part of the Indian government's National Health
Policy and is means-tested. It was launched in September 2018 by the
Ministry of Health and Family Welfare. That ministry later established
the National Health Authority as an organization to administer the
program.