With reference to Ayushman Bharat, consider the following statements: 1. It has two arms — Ayushman Arogya Mandir for primary care and PM-JAY for insurance. 2. PM-JAY gives cover of ₹5 lakh per family per year for secondary and tertiary hospitalisation. 3. There is no limit on family size or age, and pre-existing conditions are covered from day one. 4. In October 2024 cover was extended to all citizens aged 70 and above, regardless of income. Which of the statements given above are correct?
- (a) 1, 2 and 3 only
- (b) 1, 2, 3 and 4
- (c) 2, 3 and 4 only
- (d) 1 and 4 only
All four are correct. Ayushman Arogya Mandir — the renamed Health and Wellness Centres — is the preventive primary-care arm and the larger one; PM-JAY is the insurance arm, giving ₹5 lakh per family per year for secondary and tertiary hospitalisation, cashless and paperless at any empanelled public or private hospital anywhere in India, with no limit on family size or age and pre-existing conditions covered from day one, at nil cost to the beneficiary. The October 2024 extension to all citizens aged 70 and above regardless of income moved the scheme from purely means-tested to carrying a universal element for the elderly. No planted error. The standing criticism is worth carrying: it covers hospitalisation, not outpatient care — yet most Indian health spending, and most of the impoverishment it causes, is outpatient.