goakshaypandit

[goakshaypandit]

Health Benefit Packages under PMJAY Scheme

The union government launched the Ayushman Bharat scheme on September 23, 2018, with the aim of Universal Health Coverage (UHC). Subsequently renamed as Pradhan Mantri Jan Arogya Yojana (PMJAY), the scheme is considered as the world’s biggest health programme. Along with the establishment of wellness centres, the scheme aims to provide secondary and tertiary hospitalization services to poor and economically vulnerable families. The Ayushman Bharat-PMJAY scheme provides an insurance cover of up to Rs. 5 Lakhs per family in a financial year for more than 10.74 Crores underprivileged families across India. According to current estimates, there are more than 20,761 empanelled health care providers in the Ayushman Bharat hospital list. By September 2020, more than 12 and a half Crore e-cards were issued, while over 1.26 Crore people availed free treatment under the scheme. As part of the scheme, different health packages are provided. Finserv MARKETS brings to you a reckoner about the current health packages. 

Health Benefit Packages (HBPs) under Ayushman Bharat-PMJAY scheme 

The PMJAY was launched with a total of 1,393 HBPs, including one surgical package. Thereafter, eight specialist committees undertook the exercise to rationalise the benefit packages. The implementing authority of the scheme, the National Health Agency, in 2020 approved the revised HBP, known as HBP 2.0.

Features of the Health Benefit Package 2.0

In the revised package, 237 new packages were added, while 554 older packages were removed. A key feature of the new package is the introduction of cross-speciality packages to avoid duplication. A total of 1,578 health benefit packages are available as part of HBP 2.0. To know the entire list of packages, you can visit the website: https://pmjay.gov.in/sites/default/files/2020-01/HBP_2.0-For_Website_V2.pdf

Here’s a look at some of the important packages :

Cardiothoracic and vascular surgery (CTVS)

Burns management

Cardiology

Pediatric surgery

Surgical oncology

Emergency

Oral and maxillofacial surgery

Plastic and reconstructive surgery

ENT

General medicine

General surgery

Pediatric medical management

Pediatric surgery

Urology

Medical oncology

Surgical oncology

Radiation oncology

Mental disorders

Neo-natal care

Neurosurgery

Obstetrics and gynaecology

Opthalmology

Interventional neuroradiology

Orthopaedics

Polytrauma

Thus, you can receive a wide array of speciality packages, involving one-time or multiple medical procedures. Prices have been specified for each medical procedure. Some of the common treatment procedures include:

Chemotherapy.

Spinal fusion procedure.

Total hip and knee replacement.

Kidney stone removal.

Caesarean delivery.

Heart bypass surgery, valve replacement and stent implantation.

Foreign body removal.

Lung surgery.

Procedures for fistula, cyst and sinus.

Treatment of various fractures and injuries.

Skull base surgery.

Treatment for ailments, like gout, colic, asthma, meningitis and accelerated hypertension.

Treatment for stroke and renal failure.

Treatment for chikungunya fever, dengue fever, malaria, pancreatitis and chronic hepatitis.

Treatment of hypoglycemia, poisoning, animal bites, diarrhoea and tuberculosis.

Treatment for pneumonia, seizures and sickle cell anaemia.

Conclusion: 

Thus, the revised Health Benefit Package under the Ayushman Bharat-PMJAY scheme has not only standardised the definition and nomenclature of packages but also improved the healthcare delivery system. If you are eligible for the scheme, you can easily choose your empanelled healthcare provider from the Ayushman Bharat hospital list at the official Ayushman Bharat website. If you are a salaried or self-employed individual, ineligible for the scheme, you can always opt to choose a health insurance policy, available on Finserv MARKETS. Here, you can receive multiple benefits such as high sum assured of up to Rs. 50 Lakhs, nominal premium payment rates and a wide network of over 6,500 hospitals across India. 

[goakshaypandit]

Everything You Need To Know About PMJAY SEHAT scheme for Jammu and Kashmir residents

In a country with a large population as India, universal access to healthcare has remained a challenge for decades now. The Pradhan Mantri Jan Aarogya Yojana (PMJAY), also called the Ayushman Bharat scheme was launched in September 2018 to provide health coverage to those 50-crore poor and vulnerable citizens of the country for whom quality healthcare access is still a distant reality. The scheme offers its beneficiaries an average coverage amount of Rs. 5 lakhs towards expenses incurred by diagnostic tests, medicines, pre-hospitalisation and medical treatments. 

As an extension, in Dec 2020, the PMJAY SEHAT scheme was exclusively introduced for the residents of Jammu and Kashmir (J&K). The PMJAY SEHAT scheme shall now provide a health cover of Rs. 5 lakh each to about 21 lakh beneficiary families of J&K – over a three-fold increase from the 6 lakh beneficiary families being covered earlier under Ayushman Bharat. Another key provision of the PMJAY-SEHAT scheme is that these beneficiaries can now avail free medical facilities in all empanelled hospitals of the country without being confined to just the empanelled hospitals in the state of J&K. 

Eligibility for Ayushman Bharat Registration

The eligibility for Ayushman Bharat Registration could be checked online from the PMJAY official portal under the ‘Am I Eligible’ option. By keying in basic details like name, phone number, ration card number and state of domicile, a list of names shall be displayed. If your name pops up by searching the list, then you are entitled to register for Ayushman Bharat scheme.

Steps to Follow for Ayushman Bharat Registration

Upon confirmation of eligibility, you could proceed for Ayushman Bharat Registration by submitting the following documents:

Valid Age Proof

ID proof such as PAN or Aadhaar

Accurate contact details such as residential address, phone number, and email.

Income certificate

Caste certificate

Family Structure declaration

Once the documents are in place, the eligible beneficiary can approach a PMJAY kiosk where an Aarogya Mitra shall verify the identity and eligibility of the beneficiary using the Beneficiary Identification system (BIS). Once the information is tallied, a card is issued to the beneficiary.

The Bottom Line

Factors such as stress, smoking, hazardous occupations, and environmental pollution are rapidly contributing to deteriorating levels of health in people. To tackle these uncertain health risks, access to quality and affordable healthcare becomes a top priority. As of today, PMJAY is the largest health insurance scheme that provides health coverage to crores of vulnerable and needy citizens of the country at nominal premiums. Those who are not eligible to register for PMJAY, exploring other health insurance plans available in the market would be a wiser option to cover your family’s medical needs in case of any health emergency. 

On Finserv MARKETS, you could choose from a variety of health insurance plans at affordable premiums customised to suit your budget as well as adequately cover your family’s medical expenses across a network of hospitals. Health insurance plans available on Finserv MARKETS also offer customised add-on plans, a hassle-free claim settlement process, and tax exemption benefit of upto Rs.75,000 under Section 80D of Indian Income Tax Act. 

Further, a health insurance premium calculator can come handy in knowing beforehand the premium amount to be paid for the coverage required. The health insurance premium calculator on Finserv MARKETS provides an exact quote of the premium based on the plan you pick, and you may then proceed to buy the plan if the premium fits your pocket.

[goakshaypandit]

How Is Health Insurance Helpful for People with Alzheimer

If you happen to know someone suffering from Alzheimer disease, then you would well-aware of the severity and complications of the disease. It is a progressive neurological disease affecting brain cells. According to estimates, more than four million people in the country are suffering from Alzheimer’s disease. Fortunately, you can avail a health insurance policy to avail coverage for this severe health ailment. You can select a suitable policy such as the Bajaj health insurance with critical illness add-on benefit, available on Finserv MARKETS to avail protection against Alzheimer’s disease. Here, you can also know the premium payment beforehand, by using the health insurance premium calculator.

Knowing more about Alzheimer’s disease

This critical disease causes the patient’s brain to shrink, a process known in the medical parlance as brain atrophy. Here, the brain cells degenerate and die, causing severe memory loss. Alzheimer’s disease is synonymous with dementia - an ailment affecting an individual’s thinking, behavioural and social skills. This, in turns, affects an individual’s ability to perform even the routine daily tasks independently. There is no permanent cure for this disease, although medications can provide interim relief and check the progression of this disease. If the disease progresses to an advanced level, there can be complications related to the functioning of the brain. It can cause dehydration, malnutrition and even death. Here’s a look at the symptoms of this disease:

1.Personality and behavioural changes.

2. Mood swings.

3. Difficulty in problem-solving.

4. Difficulty in finishing a task.

5. Difficulty in decision-making.

6. Difficulty in communicating.

7. Difficulty in socialising. 

How to take care of an Alzheimer’s patient?

You can look after an Alzheimer’s patient by following few suggestions. Here’s a list:

1. Adhere to a fixed routine: While taking care of an Alzheimer’s patient stick to a fixed daily routine along with scheduling regular medical appointments.

2. Remove distractions: While communicating with the patient, remember to reduce distractions such as music, TV or smartphones. Ensure that the patient’s room is free from loud noises.

3. Take adequate safety measures: You should ensure that the patient’s room is safe by keeping electronic and electrical appliances at a safe distance. You can also remove unnecessary junk from the room. Try to create a peaceful environment.

4. Develop understanding: You must be flexible, cooperative and understanding as the patient could show mood swings. 

Understanding the importance of health insurance for people with Alzheimer’s

This critical ailment requires continuous medical help and lifestyle changes. An Alzheimer’s patient requires regular meeting with doctors and prolonged use of medicines. A plethora of medical expenses along with the loss of income can easily disrupt your finances, in the unfortunate event of being diagnosed with Alzheimer’s. A way out is opting for the critical illness rider benefit, available as part of health insurance plans. This benefit can provide you with a lump sum amount in the case of being diagnosed with a range of critical illness, including Alzheimer’s. 

Conclusion: Thus, with the rise in the number of Alzheimer’s cases in India, you can keep yourself emotionally and financially protected by availing a viable health insurance policy with critical illness benefit. The Bajaj Allianz Smart Protect Goal Term Insurance with critical illness benefit, available on Finserv MARKETS, can protect you from 55 critical health conditions, including Alzheimer’s. The premium payments for this Bajaj health insurance can be calculated instantly by using the health insurance premium calculator.

[goakshaypandit]

How to apply for reprint of Driving Licence online

A driving licence is an important document to be carried in your wallet if you are driving a vehicle on Indian roads. As per the Motor Vehicles Act, 1988, no person is allowed to drive a vehicle on Indian road without a valid driving licence. W.e.f., 1 Sep 2019, driving without a valid licence now attracts an enhanced traffic challan of Rs. 5,000/-. In case of the driving licence being stolen, mutilated, or lost, you would have to apply for its duplicate. Worry not, you need not walk to the nearest Road Transport Office (RTO) to apply for the duplicate. You can now conveniently apply online for a reprint of your driving license and get its duplicate. Here’s how you can now apply online for a duplicate driving licence:

Online Procedure for a Reprint of Driving Licence

1. Visit the ‘Sarathi Parivahan’ website or the concerned State Transport Department website and look for Form L.L.D-an application form for duplicate driving licence.

2. Fill up the Form L.L.D completely with your photograph and signature.

3. Submit the application online by paying an amount of Rs. 200/-. If you wish to get a smart card licence, the charges would be Rs. 400/-. Do not forget to take a printout of the duly submitted form and the payment receipt.

4. Approach the RTO from where you last procured your licence and submit the application printout and payment receipt along with necessary documents. 

Here are the other necessary documents that must go along with the application form:

1. First Information Report (FIR) copy, if the licence is lost or stolen. In case of licence being stolen or lost, you can file an online FIR and keep their submitted copies.

2. Original Licence, written or defaced, if available.

3. Attested copies of driving licence, if lost or stolen.

Upon submitting the online application and necessary documents at the RTO, you shall be provided with an acknowledgment receipt to use on behalf of your licence until you receive the duplicate licence.

Ideally, you would receive a reprint of your driving licence at your registered residential address by post, within the time stipulated by the RTO, i.e., a month.

Conclusion

Losing a driving licence could be worrisome for regular drivers, and it could prove to be a handicap for day-to-day chores. If you dare to drive without a licence, then trouble awaits you in the form of a hefty traffic challan. As a responsible driver, it is absolutely essential to carry your driving licence along with necessary documents like insurance to avoid any sort of traffic challan. Also, it is advisable to purchase motor insurance from trustworthy online platforms such as Finserv MARKETS. On Finserv MARKETS, you can opt for a comprehensive motor insurance policy for your two-wheeler or four-wheeler at affordable premiums to cover your damages as well as third party liability. Along with several add-on covers to choose from, the motor insurance on Finserv MARKETS also entitles you to benefits like instant claim settlement, 24 X 7 road-side assistance, cashless facility across network garages in case of emergency.