India is the second-most populous country in the world and man-power is its main strength. The government runs various schemes that provide financial aid or services in sectors like healthcare, food, sanitation, etc. Two of such benefits schemes are Ayushman Bharat Yojana and Pradhan Mantri Matru Vandana Yojana. They both serve separate purposes. Let’s take a look at the difference between Ayushman Bharat Yojana and Pradhan Mantri Matru Vandana Yojana.
Difference Between Ayushman Bharat Yojana (PMJAY) and Pradhan Mantri Matru Vandana Yojana (PMMVY)
Here is a table that shows the differences between Ayushman Bharat Yojana and Pradhan Mantri Matru Vandana Yojana:
|1||Launch Date||23 September 2018||2017|
|2||Full-Form||Pradhan Mantri Jana Aarogya Yojana or Ayushman Bharat Yojana||Pradhan Mantri Matru Vandana Yojana|
|3||Meaning||The meaning of this scheme loosely translates to “Long Live India Scheme”. It indirectly gives a message that the healthcare scheme will help a person live longer.||Matru Vandana means worshipping the mother. The scheme provides maternity benefits to first-time mothers.|
|4||Owner||National Health Authority||Ministry of Women & Child Development under National Food Security Act, 2013|
|5||Purpose||To provide health insurance benefits to low-income families||To help with dietary and nutritional needs of pregnant and lactating women|
|6||Monetary benefit||A total sum insured of Rs. 5 Lakh per family||An incentive of Rs. 6000|
|7||Renewability||Lifetime (visits to Swastha Vibhag or an empanelled hospital is required to keep the card active)||Not applicable|
|8||Health card name||Ayushman Bharat Health Card or PM-JAY Card||MCP (Mother and Child Protection) Card|
|9||Registration is done by||Self with the help of Aadhaar card||Seva Mitra|
|10||Eligibility||Families that are classified as financially deprived under Socio-Economic and Caste Census 2011 data and Rashtriya Swasthya Bima Yojana are eligible||A first-time pregnant woman over the age of 19 years is eligible|
|11||Health insurance||Available||Not available|
|12||Maternity benefits||Covered||Not covered|
|13||Claim||Cashless claim during treatment||Disbursement of incentive after filling applications at corresponding stages of pregnancy and childbirth.|
|14||Number of beneficiaries||All family members||One|
|15||Conditions covered||COVID-19 Prostate cancer Coronary artery bypass graft Double valve replacement Pulmonary valve replacement Anterior spine fixation Skull base surgery Laryngopharyngectomy with gastric pull-up Carotid angioplasty with stent Tissue expander for disfigurement following burns, etc.||Pregnancy Childbirth|
National schemes are an excellent way of providing healthcare and other services to the lower strata of society. This enables them to avail proper medical treatments and access to nutrition to an extent. Ayushman Bharat Yojana and Pradhan Mantri Matru Vandana Yojana are gaining recognition from all over the world where these schemes are deemed as “ambitious” by the World Health Organization.
Frequently Asked Questions:
National schemes like PM-JAY and PMMVY are implemented in almost every state in the country. However, the expansion to cover the entire geographical area is under process. Both schemes are a little complex to understand and people may have lots of questions regarding the plans and their benefits or eligibility. Here are answers to a few of those questions:
No, these are names of the same scheme. There have been modifications in the Pradhan Mantri Jana Arogya Yojana and the end result was Ayushman Bharat Yojana.
Health insurance benefits are provided under Ayushman Bharat Yojana to low income families. There is no restriction on the number, age or gender of the family members. Pre-existing diseases are covered. And free COVID-19 tests are provided.
Families that belong to low-income groups are covered under PM-JAY.
An eligible person can use the PM-JAY scheme benefits during a medical emergency. He/she can avail cashless and paper-free treatment at an empanelled hospital. The sum insured for one family is Rs. 5 lakh/year.
Any person that does not fit the eligibility criteria cannot avail the benefits of this scheme. This means a person with a steady income, not financially deprived and who does not belong below the poverty line is not eligible.
Ayushman Bharat Yojana is the world’s biggest national healthcare program that covers low-income groups against medical treatments and related expenses.
The following list of document are usually required for the PMMVY:
>Duly filled Application Form
>Copy of MCP card
>An undertaking signed by the applicant and her husband
This is a short list of diseases covered under PM-JAY scheme:
>Double valve replacement
>Coronary artery bypass graft
>Pulmonary valve replacement
>Skull base surgery
>Anterior spine fixation
>Laryngopharyngectomy with gastric pull-up
>Tissue expander for disfigurement following burns
>Carotid angioplasty with stent
One can visit the local anganwadi center or any approved health care facility and apply for the scheme with the required documents.
PMMVY is a national scheme that provides monetary benefit to a first-time mother. The intention is to take care of basic dietary and nutritional needs that a woman has during pregnancy and childbirth.
Read informative Health Insurance Articles at Acko.
Read all our insurance & non insurance related articles here.