{"id":227799,"date":"2025-09-24T18:40:33","date_gmt":"2025-09-24T13:10:33","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=227799"},"modified":"2025-09-24T18:41:06","modified_gmt":"2025-09-24T13:11:06","slug":"ayushman-bharat-scheme","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/","title":{"rendered":"Ayushman Bharat Scheme Features, Benefits, and Exam Notes"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/#What_is_Ayushman_Bharat_Scheme\" >What is Ayushman Bharat Scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/#Why_was_Ayushman_Bharat_launched\" >Why was Ayushman Bharat launched?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/#What_are_the_Components_of_Ayushman_Bharat\" >What are the Components of Ayushman Bharat?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/#Who_is_Eligible_for_Ayushman_Bharat_Scheme\" >Who is Eligible for Ayushman Bharat Scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/#What_are_the_Benefits_of_Ayushman_Bharat\" >What are the Benefits of Ayushman Bharat?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/#What_is_the_Importance_of_Ayushman_Bharat\" >What is the Importance of Ayushman Bharat?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/#What_are_the_Challenges_of_Ayushman_Bharat\" >What are the Challenges of Ayushman Bharat?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/#What_are_the_Achievements_of_Ayushman_Bharat\" >What are the Achievements of Ayushman Bharat?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/#Exam-Style_Questions_on_Ayushman_Bharat_Scheme\" >Exam-Style Questions on Ayushman Bharat Scheme<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>India\u2019s healthcare system has long struggled with affordability, accessibility, and quality. To address these challenges, the Government of India launched the Ayushman Bharat Scheme (Pradhan Mantri Jan Arogya Yojana \u2013 PM-JAY) in 2018. Popularly called <em>Modicare<\/em>, it is the world\u2019s largest government-funded health assurance program, covering over 50 crore people.<\/p>\n\n\n\n<p>For government exam aspirants, Ayushman Bharat is an essential topic, as it connects public health, social justice, and governance. In this blog we have provided a <strong>comprehensive overview<\/strong> of the scheme with easy explanations, key takeaways, and practice questions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-ayushman-bharat-scheme\"><span class=\"ez-toc-section\" id=\"What_is_Ayushman_Bharat_Scheme\"><\/span>What is Ayushman Bharat Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ayushman Bharat is a national health protection scheme that aims to achieve Universal Health Coverage (UHC). It provides free health insurance of \u20b95 lakh per family per year for secondary and tertiary care hospitalization.<\/p>\n\n\n\n<p>The scheme was <strong>launched on 23 September 2018 in Ranchi, Jharkhand<\/strong>, by Prime Minister Narendra Modi. It is jointly funded by the Central and State Governments and implemented by the National Health Authority (NHA).<\/p>\n\n\n\n<p>*It follows the principle of <em>\u201cLeave no one behind\u201d<\/em> in healthcare.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/upcoming-government-exams\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Check Upcoming Govt Exams<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-was-ayushman-bharat-launched\"><span class=\"ez-toc-section\" id=\"Why_was_Ayushman_Bharat_launched\"><\/span>Why was Ayushman Bharat launched?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>India\u2019s healthcare system has long struggled with affordability, accessibility, and infrastructure gaps. The Ayushman Bharat Scheme was launched to bridge these gaps and provide universal health coverage.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Challenges in Healthcare System<\/strong><\/td><td><strong>How Ayushman Bharat Addresses It<\/strong><\/td><\/tr><tr><td>High out-of-pocket expenditure pushing millions into poverty<\/td><td>Reduces financial burden through free health coverage of \u20b95 lakh per family per year<\/td><\/tr><tr><td>Limited access to quality hospitals in rural areas<\/td><td>Provides cashless treatment at empaneled public and private hospitals across India<\/td><\/tr><tr><td>Lack of digital health records and medical history tracking<\/td><td>Strengthens digital healthcare infrastructure via Ayushman Bharat Digital Mission (ABDM) and ABHA ID<\/td><\/tr><tr><td>Overcrowded public hospitals and costly private healthcare<\/td><td>Promotes preventive healthcare through 1.5 lakh Health &amp; Wellness Centres to reduce hospital load<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-components-of-ayushman-bharat\"><span class=\"ez-toc-section\" id=\"What_are_the_Components_of_Ayushman_Bharat\"><\/span>What are the Components of Ayushman Bharat?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ayushman Bharat has three key components:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Components<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td><strong>1. Health and Wellness Centres (HWCs)<\/strong><\/td><td>\u2022 Upgrade of 1,50,000 Sub-Health Centres &amp; PHCs <br>\u2022 Provide preventive, promotive, curative, rehabilitative care <br>\u2022 Free medicines, diagnostics, maternal care, vaccinations <br>\u2022 Focus on Non-Communicable Diseases (NCDs), child &amp; elderly care, mental health counseling<\/td><\/tr><tr><td><strong>2. <a href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-jan-arogya-yojana\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Pradhan Mantri Jan Arogya Yojana (PM-JAY)<\/a><\/strong><\/td><td>\u2022 \u20b95 lakh health insurance per family per year <br>\u2022 No restriction on family size, age, or gender <br>\u2022 Covers 1,900+ treatment packages (cancer, kidney, heart, surgeries) <br>\u2022 Cashless &amp; paperless treatment in empaneled hospitals <br>\u2022 Covers pre-existing diseases from Day 1<\/td><\/tr><tr><td><strong>3. Ayushman Bharat Digital Mission (ABDM)<\/strong><\/td><td>\u2022 Launched in 2021 for digital healthcare <br>\u2022 Provides ABHA ID (Ayushman Bharat Health Account) to citizens <br>\u2022 Enables electronic health records, telemedicine, secure data sharing <br>\u2022 Uses India\u2019s digital infrastructure (Aadhaar, UPI, JAM Trinity)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-is-eligible-for-ayushman-bharat-scheme\"><span class=\"ez-toc-section\" id=\"Who_is_Eligible_for_Ayushman_Bharat_Scheme\"><\/span>Who is Eligible for Ayushman Bharat Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Eligibility is based on Socio-Economic Caste Census (SECC) 2011 data.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rural-beneficiaries\">Rural Beneficiaries<\/h3>\n\n\n\n<p>Families meeting at least one of these criteria:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Households with <strong>no adult male (16\u201359 years)<\/strong>.<\/li>\n\n\n\n<li>Families with <strong>disabled members<\/strong> and no able-bodied adults.<\/li>\n\n\n\n<li><strong>SC\/ST households<\/strong>.<\/li>\n\n\n\n<li><strong>Landless households<\/strong> dependent on manual labour.<\/li>\n\n\n\n<li>Families living in <strong>one-room kutcha houses<\/strong>.<\/li>\n\n\n\n<li><strong>Destitute households<\/strong>, manual scavengers, bonded labourers, primitive tribal groups.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-urban-beneficiaries\">Urban Beneficiaries<\/h3>\n\n\n\n<p>11 occupational categories covered, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ragpickers, beggars.<\/li>\n\n\n\n<li>Domestic workers, street vendors, cobblers, hawkers.<\/li>\n\n\n\n<li>Construction workers, plumbers, painters, security guards.<\/li>\n\n\n\n<li>Sanitation workers, sweepers, drivers, rickshaw pullers.<\/li>\n\n\n\n<li>Shop assistants, waiters, mechanics, electricians, tailors, washermen.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-exclusions\">Exclusions<\/h3>\n\n\n\n<p>Not eligible if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Owns 2\/3\/4 wheeler, tractor, or mechanized farming equipment.<\/li>\n\n\n\n<li>Has Kisan Credit Card with \u20b950,000+ limit.<\/li>\n\n\n\n<li>Government employees.<\/li>\n\n\n\n<li>Monthly income above \u20b910,000.<\/li>\n\n\n\n<li>Owns pucca house, refrigerator, landline, or more than 5 acres of land.<\/li>\n<\/ul>\n\n\n\n<p><strong>Get ready to crack government job exams with leading educators<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/courses\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Enroll in Online Live Classes Today!<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-benefits-of-ayushman-bharat\"><span class=\"ez-toc-section\" id=\"What_are_the_Benefits_of_Ayushman_Bharat\"><\/span>What are the Benefits of Ayushman Bharat?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Under PM-JAY, families get \u20b95 lakh coverage per year on a family floater basis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-benefits-include\">Benefits include:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pre- and post-hospitalization (3 days before &amp; 15 days after).<\/li>\n\n\n\n<li>Medicines and diagnostics.<\/li>\n\n\n\n<li>ICU and non-ICU services.<\/li>\n\n\n\n<li>Food and accommodation.<\/li>\n\n\n\n<li>Complications during treatment.<\/li>\n\n\n\n<li>Implants (like stents, prosthetics).<\/li>\n<\/ul>\n\n\n\n<p>Treatment will be provided at both public and private empaneled hospitals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-importance-of-ayushman-bharat\"><span class=\"ez-toc-section\" id=\"What_is_the_Importance_of_Ayushman_Bharat\"><\/span>What is the Importance of Ayushman Bharat?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The importance of the Ayushman Bharat Scheme are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Financial protection<\/strong> \u2013 reduces out-of-pocket expenses.<\/li>\n\n\n\n<li><strong>Universal healthcare<\/strong> \u2013 moves towards health for all.<\/li>\n\n\n\n<li><strong>Healthcare equity<\/strong> \u2013 benefits poor and vulnerable groups.<\/li>\n\n\n\n<li><strong>Digital transformation<\/strong> \u2013 through ABDM.<\/li>\n\n\n\n<li><strong>Strengthens public health system<\/strong> \u2013 more funds, better equipment, more staff.<\/li>\n\n\n\n<li><strong>Encourages private hospitals<\/strong> to treat weaker sections.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-challenges-of-ayushman-bharat\"><span class=\"ez-toc-section\" id=\"What_are_the_Challenges_of_Ayushman_Bharat\"><\/span>What are the Challenges of Ayushman Bharat?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Despite its success, challenges remain:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Low awareness in rural areas.<\/li>\n\n\n\n<li>Fraudulent claims by private hospitals.<\/li>\n\n\n\n<li>Delayed payments discourage private participation.<\/li>\n\n\n\n<li>Overcrowded public hospitals.<\/li>\n\n\n\n<li>Digital divide \u2013 poor internet access in rural areas.<\/li>\n\n\n\n<li>Shortage of doctors and healthcare professionals.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/test-series\/?ref=contac-ai\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt a free mock test today!<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-achievements-of-ayushman-bharat\"><span class=\"ez-toc-section\" id=\"What_are_the_Achievements_of_Ayushman_Bharat\"><\/span>What are the Achievements of Ayushman Bharat?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The achievement of the Ayushman Bharat Scheme are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Over 35 crore Ayushman Cards issued (till 2024).<\/li>\n\n\n\n<li>7.79 crore hospital admissions worth \u20b91,07,000+ crore.<\/li>\n\n\n\n<li>49% of beneficiaries are women.<\/li>\n\n\n\n<li>30,000+ empaneled hospitals (public + private).<\/li>\n\n\n\n<li>66 crore ABHA IDs created under ABDM.<\/li>\n\n\n\n<li>Cancer and NCD detection improved significantly.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-takeaways\"><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span>Key Takeaways<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Launch Year<\/td><td>2018<\/td><\/tr><tr><td>Ministry<\/td><td>Ministry of Health &amp; Family Welfare<\/td><\/tr><tr><td>Implementing Body<\/td><td>National Health Authority (NHA)<\/td><\/tr><tr><td>Coverage<\/td><td>\u20b95 lakh per family per year<\/td><\/tr><tr><td>Beneficiaries<\/td><td>10.74 crore families (~50 crore people)<\/td><\/tr><tr><td>Eligibility<\/td><td>Based on SECC 2011 (Rural &amp; Urban categories)<\/td><\/tr><tr><td>Components<\/td><td>HWCs, PM-JAY, ABDM<\/td><\/tr><tr><td>Benefits<\/td><td>Cashless treatment, pre\/post hospitalization, medicines, ICU, implants<\/td><\/tr><tr><td>Achievements<\/td><td>35 crore Ayushman Cards, 7.79 crore admissions, 30,000+ hospitals<\/td><\/tr><tr><td>Challenges<\/td><td>Fraud, low awareness, digital divide, shortage of hospitals &amp; doctors<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-exam-style-questions-on-ayushman-bharat-scheme\"><span class=\"ez-toc-section\" id=\"Exam-Style_Questions_on_Ayushman_Bharat_Scheme\"><\/span>Exam-Style Questions on Ayushman Bharat Scheme<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Q1. Ayushman Bharat Scheme was launched in which year?<\/strong><br>a) 2015<br>b) 2017<br>c) 2018<br>d) 2019<br>e) 2020<br><strong>Answer: c) 2018<\/strong><\/p>\n\n\n\n<p><strong>Q2. Who implements PM-JAY at the national level?<\/strong><br>a) NITI Aayog<br>b) Ministry of Finance<br>c) National Health Authority<br>d) Ministry of Rural Development<br>e) IRDAI<br><strong>Answer: c) National Health Authority<\/strong><\/p>\n\n\n\n<p><strong>Q3. What is the maximum health cover under Ayushman Bharat PM-JAY?<\/strong><br>a) \u20b92 lakh<br>b) \u20b93 lakh<br>c) \u20b94 lakh<br>d) \u20b95 lakh<br>e) \u20b910 lakh<br><strong>Answer: d) \u20b95 lakh<\/strong><\/p>\n\n\n\n<p><strong>Q4. PM-JAY eligibility is based on which census data?<\/strong><br>a) Census 2001<br>b) SECC 2011<br>c) NFHS-5<br>d) Economic Survey<br>e) NSSO 2014<br><strong>Answer: b) SECC 2011<\/strong><\/p>\n\n\n\n<p><strong>Q5. Which of the following is NOT covered under PM-JAY?<\/strong><br>a) Pre-hospitalization expenses<br>b) Post-hospitalization expenses<br>c) Cosmetic surgery<br>d) ICU services<br>e) Medicines and diagnostics<br><strong>Answer: c) Cosmetic surgery<\/strong><\/p>\n\n\n\n<p><strong>Q6. Ayushman Bharat Digital Mission was launched in which year?<\/strong><br>a) 2017<br>b) 2018<br>c) 2019<br>d) 2020<br>e) 2021<br><strong>Answer: e) 2021<\/strong><\/p>\n\n\n\n<p><strong>Q7. Which state was the first to launch Ayushman Bharat?<\/strong><br>a) Bihar<br>b) Jharkhand<br>c) Uttar Pradesh<br>d) Gujarat<br>e) Maharashtra<br><strong>Answer: b) Jharkhand<\/strong><\/p>\n\n\n\n<p><strong>Q8. What is ABHA ID?<\/strong><br>a) Bank account number<br>b) Aadhaar linked insurance ID<br>c) Ayushman Bharat Health Account ID<br>d) Farmer subsidy card<br>e) Pension ID<br><strong>Answer: c) Ayushman Bharat Health Account ID<\/strong><\/p>\n\n\n\n<p><strong>Q9. How many days of post-hospitalization are covered under PM-JAY?<\/strong><br>a) 7 days<br>b) 10 days<br>c) 12 days<br>d) 15 days<br>e) 20 days<br><strong>Answer: d) 15 days<\/strong><\/p>\n\n\n\n<p><strong>Q10. Who funds Ayushman Bharat PM-JAY?<\/strong><br>a) Only Central Govt.<br>b) Only State Govts.<br>c) Central and State Governments jointly<br>d) Insurance Companies<br>e) World Bank<br><strong>Answer: c) Central and State Governments jointly<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/previous-year-papers\/?ref=contac-ai\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt A free previous year paper <\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Q11. What is the budget allocation for Ayushman Bharat in FY 2021-22?<\/strong><br>a) \u20b95,000 crore<br>b) \u20b96,500 crore<br>c) \u20b98,088 crore<br>d) \u20b910,000 crore<br>e) \u20b912,000 crore<br><strong>Answer: c) \u20b98,088 crore<\/strong><\/p>\n\n\n\n<p><strong>Q12. Which category of workers in urban areas is NOT covered under PM-JAY?<\/strong><br>a) Street vendors<br>b) Domestic workers<br>c) IT professionals<br>d) Rickshaw pullers<br>e) Sanitation workers<br><strong>Answer: c) IT professionals<\/strong><\/p>\n\n\n\n<p><strong>Q13. PM-JAY provides hospital treatment on which basis?<\/strong><br>a) Individual basis<br>b) Family floater basis<br>c) Only senior citizens<br>d) Only women<br>e) Only children<br><strong>Answer: b) Family floater basis<\/strong><\/p>\n\n\n\n<p><strong>Q14. Which principle does Ayushman Bharat follow?<\/strong><br>a) Minimum government, maximum governance<br>b) Leave no one behind<br>c) Make in India<br>d) Self-reliant India<br>e) Digital India<br><strong>Answer: b) Leave no one behind<\/strong><\/p>\n\n\n\n<p><strong>Q15. Which disease category is covered from Day 1 under PM-JAY?<\/strong><br>a) Infectious diseases only<br>b) Pre-existing diseases<br>c) New illnesses only<br>d) Seasonal diseases<br>e) None of these<br><strong>Answer: b) Pre-existing diseases<\/strong><\/p>\n\n\n\n<p><strong>Q16. Which ministry oversees Ayushman Bharat Scheme?<\/strong><br>a) Ministry of Finance<br>b) Ministry of Social Justice<br>c) Ministry of Health &amp; Family Welfare<br>d) Ministry of Labour<br>e) Ministry of Rural Development<br><strong>Answer: c) Ministry of Health &amp; Family Welfare<\/strong><\/p>\n\n\n\n<p><strong>Q17. Which of the following is a challenge of PM-JAY?<\/strong><br>a) High awareness<br>b) Fraudulent claims<br>c) Overfunding<br>d) High doctor-patient ratio<br>e) Surplus hospitals<br><strong>Answer: b) Fraudulent claims<\/strong><\/p>\n\n\n\n<p><strong>Q18. Ayushman Bharat Scheme is also known as:<\/strong><br>a) Bharat Health Card<br>b) Modicare<br>c) Healthy India Yojana<br>d) Jeevan Suraksha Yojana<br>e) Samajik Swasthya Mission<br><strong>Answer: b) Modicare<\/strong><\/p>\n\n\n\n<p><strong>Q19. Which of the following is NOT an objective of Ayushman Bharat?<\/strong><br>a) Reduce medical expenses<br>b) Provide digital health records<br>c) Support preventive care<br>d) Provide crop insurance<br>e) Ensure cashless hospitalization<br><strong>Answer: d) Provide crop insurance<\/strong><\/p>\n\n\n\n<p><strong>Q20. What is the total number of empaneled hospitals under PM-JAY as of 2024?<\/strong><br>a) 10,000+<br>b) 20,000+<br>c) 25,000+<br>d) 30,000+<br>e) 40,000+<br><strong>Answer: d) 30,000+<\/strong><\/p>\n\n\n\n<p><strong>Also Check<\/strong>:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Government Schemes<\/strong><\/td><td><strong>Government Schemes<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/deen-dayal-upadhaya-gram-jyoti-yojana-ddugjy\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Deen Dayal Upadhaya Gram Jyoti Yojana<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Ayushman Bharat Scheme<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/ups-vs-nps-vs-ops\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">UPS vs NPS vs OPS<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/pm-daksh-scheme\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">PM Daksh Scheme<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/pm-dhan-dhaanya-krishi-yojana-pmddky\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Pradhan Mantri Dhan Krishi Yojana<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/stand-up-india-scheme\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Stand Up India Scheme<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/gst-2-0\/?ref=contc-aib\" target=\"_blank\" rel=\"noreferrer noopener\">All About GST 2.0<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/gramin-mitra-yojana\/?ref=contac-aib\" target=\"_blank\" rel=\"noreferrer noopener\">Gramin Mitra Yojana<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/how-to-clear-multiple-government-exams\/\">How Some Aspirants Clear Multiple Government Exams: Strategy, Discipline &amp; Exam Psychology<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/crop-diversification-program\/\">Crop Diversification Program, Transforming Indian Agriculture<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/important-government-schemes-nabard-grade-a\/\">Government Schemes for NABARD Grade A 2026<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/national-dairy-plan-phase-1-phase-2\/\">National Dairy Plan Phase 1 and Phase 2, Boosting India\u2019s Dairy Sector<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/mera-gaon-mera-gaurav-scheme\/\">Mera Gaon Mera Gaurav Scheme, Bridging Lab to Land<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/farmers-first-initiative\/\">Farmers First Initiative, Empowering Farmers Through Innovation<\/a><\/li>\n<\/ul>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>India\u2019s healthcare system has long struggled with affordability, accessibility, and quality. To address these challenges, the Government of India launched<\/p>\n","protected":false},"author":58,"featured_media":229115,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14458,11544],"tags":[826],"class_list":["post-227799","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-government-scheme","category-static-gk","tag-government-schemes","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ayushman Bharat Scheme Features, Benefits, and Exam Notes<\/title>\n<meta name=\"description\" content=\"Learn all about Ayushman Bharat Yojana (PM-JAY) objectives, benefits, digital health mission, and its importance for India\u2019s healthcare.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oliveboard.in\/blog\/ayushman-bharat-scheme\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ayushman Bharat Scheme Features, Benefits, and Exam Notes\" \/>\n<meta property=\"og:description\" content=\"India\u2019s healthcare system has long struggled with affordability, accessibility, and quality. 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