Previous Year Question
With reference to ‘Ayushman Bharat Yojana’ which of the following statement(s) is/are correct?
This Yojana provides free health insurance of Rs. five lakh per person.
The expenses incurred in this Scheme (Yojana) is shared between the Centre and State in 60 : 40 ratio.
Select the correct answer from the codes given below:
1 only
2 only
Both 1 and 2
Neither 1 nor 2
Correct Answer: B
Detailed Solution
Statement 1 is incorrect. Under Ayushman Bharat–Pradhan Mantri Jan Arogya Yojana (AB PM-JAY), the ₹5 lakh health cover is provided per family per year, not per person. It covers secondary and tertiary care hospitalisation and operates on a family-floater basis. There is generally no cap on family size, age or gender.
Statement 2 is correct. The cost of the Scheme is shared between the Centre and the States. For general-category States, the funding pattern is 60:40; a different pattern, generally 90:10, applies to North-Eastern and certain Himalayan States.
PM-JAY was launched on 23 September 2018. Its objective is to provide cashless hospitalisation cover to poor and vulnerable families and reduce catastrophic health expenditure.
Current status: In 2024, the Scheme was expanded to cover all senior citizens aged 70 years and above, irrespective of socio-economic status. By June 2026, 12.69 crore cashless hospital admissions worth approximately ₹1.92 lakh crore had been authorised under AB-PMJAY.