RAS question
What healthcare coverage amount is available to gig workers under PM-JAY after e-Shram registration?
Correct answer: (C) ₹5 lakh/family/year.
Gig workers registered on e-Shram can access AB PM-JAY health coverage of ₹5 lakh per family per year for hospitalisation.
Explanation
After e-Shram registration, the relevant health-security benefit for gig workers is access to Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana. The e-Shram social-security schemes page lists AB-PMJAY as providing health coverage of Rs. 5 lakhs per family per year, free of cost, for secondary and tertiary care hospitalisation. That wording matters: the benefit is not a one-time cash payment and not an individual annual allowance. It is family-based hospitalisation cover under PM-JAY, so the correct amount and unit are ₹5 lakh per family per year.
Why the other options are wrong
- (A) ₹1 lakh per year understates the AB PM-JAY cover and also misses that the listed benefit is per family, not a flat individual annual amount.
- (B) ₹3 lakh per year is not the coverage amount stated for AB PM-JAY on the e-Shram social-security schemes page.
- (D) ₹10 lakh per year overstates the scheme benefit; the cited AB PM-JAY entry gives Rs. 5 lakhs per family per year.
Concept
This tests social-security welfare schemes in Indian Economy, especially the amount, beneficiary unit and purpose of PM-JAY coverage linked with e-Shram. RAS often frames such questions around exact welfare entitlements because similar schemes differ mainly by cover, contribution and beneficiary unit.