RAS question
Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana (PM-JAY) provides health insurance cover of:
Correct answer: (D) ₹5 lakh per family per year.
Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana provides health coverage of Rs. 5 lakh per family per year for secondary and tertiary care hospitalisation.
Explanation
PM-JAY is a health-protection scheme, not a small reimbursement cap: the covered amount is Rs. 5 lakh per family per year. The PIB update states that Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana provides this cover for secondary and tertiary care hospitalisation, which is why option D is the only matching amount. The scheme operates at national scale, covering 12 crore families constituting the bottom 40% of India's population; it was launched on September 23, 2018 and has approximately 55 crore beneficiaries. For RAS, the key exam hook is the exact annual family cover and its link with hospitalisation under a major centrally funded health scheme.
Why the other options are wrong
- (A) Rs. 10 lakh per family per year doubles the PM-JAY entitlement; the correct annual family cover is Rs. 5 lakh.
- (B) Rs. 2 lakh is below the stated PM-JAY cover and does not match the Rs. 5 lakh annual family coverage.
- (C) Rs. 1 lakh understates the scheme's benefit, which is Rs. 5 lakh per family per year for secondary and tertiary care hospitalisation.
Concept
This tests welfare-scheme economics, especially the benefit design of flagship health insurance schemes. RAS repeats such facts because schemes like PM-JAY connect social-sector spending, inclusion, and public health delivery.