AB PM-JAY will be implemented in convergence with existing Gopabandhu Jan Arogya Yojana in Odisha.

• It will provide a cover of Rs. 5 lakh per family per annum with an additional Rs. 5 lakh for women members.
• PM-JAY is one of the components of Ayushman Bharat, other component is Health and Wellness Centres (renamed in 2023 as Ayushman Arogya Mandir).

Ayushman Bharat PM-JAY

• About: World’s largest health insurance/assurance scheme.
• Ministry: Centrally Sponsored Scheme launched in 2018 under Ministry of Health & Family Welfare (MoH&FW).
• Purpose: Achieve vision of Universal Health Coverage.
• Target: 12 crore families (approximately 55 crore beneficiaries).
• Implementing Agency: National Health Authority, an autonomous body under MoH&FW.
• Funding pattern: Fully financed by government.
  • 60:40 for states (90:10 for North Eastern States and three Himalayan States (Himachal Pradesh, Uttarakhand and J&K)) and UTs with legislature. 
  • Central share is 100% for UTs without legislature.
• Benefit: Provides cashless hospital cover of Rs. 5 lakhs/ family/ year for secondary and tertiary care across public and private empanelled hospitals.
  • Covers up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses such as diagnostics and medicine.
• In 2024, Union Cabinet approved an expansion of it to all senior citizens aged 70 and above.