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2) Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the most ambitious health sector scheme since Independence. Critically analyze.(250 words)

Topic-  Issues relating to development and management of Social Sector/Services relating to Health, Education, Human Resources.

2) Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the most ambitious health sector scheme since Independence. Critically analyze.(250 words)



Why this question

PM-JAY is one of the most important schemes of the government of India, launched recently. The scheme aims to revitalise the health sector in India but has also several limitations. In this context it is important to analyze the strengths and limitations of the scheme in detail.

Directive word

Critically analyze-  here we have to examine methodically the structure or nature of the topic by separating it into component parts, and present them as a whole in a summary. based on our discussion we have to form a concluding opinion on the issue.

Key demand of the question.

The question wants us to dig deep into the PM-JAY scheme and bring out its strengths/ potential as well as the criticism faced by it. Based on our discussion we have to form a personal opinion on the issue.

Structure of the answer

Introduction– write a few introductory lines about the  PMJAY- e.g year of launch and its salient provisions.


  1. Discuss the strengths of the scheme. E.g  If implemented well, PM-JAY could dramatically change the picture of the health sector and directly benefit more than 50 crore poor people; Ayushman Bharat- Pradhan Mantri Jan ArogyaYojana (PMJAY) will provide a cover of up to Rs. 5 lakhs per family per year, for secondary and tertiary care hospitalization; PMJAY will provide cashless and paperless access to services for the beneficiary at the point of service; PMJAY will help reduce catastrophic expenditure for hospitalizations, which impoverishes people and will help mitigate the financial risk arising out of catastrophic health episodes; Entitled families will be able to use the quality health services they need without facing financial hardships; When fully implemented, PMJAY will become the world’s largest fully government-financed health protection scheme. It is a visionary step towards advancing the agenda of Universal Health Coverage (UHC) etc.
  2. Discuss the limitations faced by it. E.g One, PM-JAY focuses on secondary and tertiary care, taking away the attention from primary care and public health-related investments. Two, in a supply-deficit environment, raising demand will not help. Three, the current package prices are too low to encourage private-sector hospitals to fully participate in the scheme. Four, hospital insurance addresses only a small amount of out-of-pocket expenditures. Finally, there is scepticism that either the required budget will not be available or provided at the expense of other critical needs etc.

Conclusion– based on your discussion, form a fair and a balanced conclusion on the given issue.


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