DESSERTATION

ON
PERCEPTION AND AWARENESS TOWARDS AYUSHMAN
BHARAT IN THE AREA OF MAYUR VIHAR PHASE 3.
Submitted in partial fulfilment of the requirements of Bachelor of Arts
(Insurance and Banking), AMITY UNIVERSITY, Noida

SUBMITTED BY: SUBMITTED TO:

Anshika Sharma Dr. -. Pallavi Seth
A2850617025 (Faculty Mentor)

Amity School of Insurance, Banking and Actuarial Science

Amity University, UP, Noida Campus
March 2020
 CERTIFICATE

This is to certify that Ms. Anshika Sharma of ASIBAS of Amity University,

Noida campus, Uttar Pradesh has isuccessfully Icompletes the project work
titled “Perception and Awareness towards Ayushman Bharat in the area of
Mayur vihar phase 3” in partial fulfilment of requirement for the completion
of B.A (Honours) Insurance & Banking as prescribed by the Amity University,
UP, Noida Campus.

This project report is the record of authentic work carried out by her during the
period from 2 January 2020 to 23 March 2020.

She has worked under my guidance .

Signature
Dr.- Pallavi Seth
Assistant Professor
ASIBAS
Date :
 DECLARATION

I , Anshika Sharma student of B.A.(H) INSURANCE AND BANKING from AMITY

SCHOOL OF INSURANCE , BANKING AND ACTUARIAL SCIENCE hereby declare that
I have completed my Term project on “ PERCEPTION AND AWARENESS TOWARDS
AYUSHMANN BHARAT IN THE AREA OF MAYUR VIHAR PHASE 3” as a part of the
course requirement.

I further declare that the information presented in this project is true and original to the best
of my knowledge.

ANSHIKA SHARMA
 ACKNOWLEDGEMENT

This project would not have been possible without the guidance, help and cooperation of a
number of people. I extend my gratitude to all those people who helped me in some or other
way to complete my project.
Also I would like to express my deepest sense of gratitude to Dr.- Pallavi Seth in providing a
sense of direction and continuous support in my report and his inputs regarding the conduct
and execution of this report . I wish to express my heartfelt gratitude to all friends who have
been associated with this study in every small and big way.

Thanking,
ANSHIKA SHARMA
ANTI – PLAGARISM DECLARATION

I, Anshika Sharma hereby declare that my project “Perception and awareness towards
Ayushman bharat in the area of Mayur vihar phase 3.” submitted to Amity University, Noida
is in original and for this plagiarism check was done.

I hereby certify that there is 90 % originality in my major project report and it is below the
maximum limit set by the University.

ANSHIKA SHARMA

B.A. (Hons.) (Insurance & Banking)

Enrollment no. – A2850617025

 TABLE OF CONTENTS

1. Introduction I
1.1 Perception
1.2 Awareness
1.3 Importance of Health Insurance
2. Ayushman Bharat
2.1 Eligibility Criteria
2.2 Coverage & Features
2.3 History of Ayushman Bharat
2.4 Controversies
2.5 Progress and registration process
3. Review of Literature
4. Objective of study
4.1 Implied Objective – Suggestions
5. Research Methodology
a.Research Design
b.Sample Design
c.Data Collection Method
6. Findings & Discussions
7. Second part of study – Comparison with Social security schemes of
other countries and analysis.
8. Conclusion
9. Suggestions
10.Annexure-1
11.References
 1. INTRODUCTION

 Insurance basically means a protection from financial losses. As we all are

surrounded by many risks like - Risk of Dying too early, dying too late,
falling ill , theft, facing loss due to fire, accident , earthquake and many
more. So to overcome the financial losses we can take an insurance policy
for the same.
 Insurance Regulatory and Development Authority of India (IRDAI) is the
primary regulator for insurance in the country it was established in the year
1999 .
 There are various types of Insurance products like – Term Insurance,
Health insurance, Property Insurance, IFire Insurance, ILiability Insurance
and IMarine Insurance etc.
 In IIndia there are total 53 Insurance companies under which there are 24
ICompanies in life Insurance business Iand 29 companies are in non life
Insurance business. So Iamong ILife Insurers (LIC) is the sole public
sector company I and under 29 Ion-Life Insurers there are 6 Public sector
Insurance companies.
 In the past few years Insurance industry has launched many innovative
products like – Cyber Crime insurance, Toffee insurance, Rupee 1
insurance like of Ola and Uber.
 Health Insurance is one of the most popular stream of Insurance Industry
as it cover a large number of population and many person have taken
advantage of it . Health insurance make it possible to take proper medical
treatment whenever needed as now a days medical treatment is very
expensive and many people have to sell their assets or take loans to write
off their medical bills. If a person is Ihaving health insurance then he can
take proper treatment without having any financial burden .
 This study is divided in 2 parts the first part is about data analysis and
second part is about how this scheme can be improved as compared to
Social security schemes of South Asian countries.

1.1 PERCEPTION

Perception towards something essentially means that your thinking about anything so
the perception of people towards Ayushman Bharat is very positive as the services
are Iportable across the country and the Ibeneficiary of this scheme will Ibe covered
under the scheme and will be allowed to take cashless benefits from any public or
private empanelled hospitals across the country. Ayushman Bharat will give coverage
of rupees 5 lakh per family in a year. Ayushman Bharat is is like a boon for venerable
and poor families it will increase the health service quality for the poor people which
is very necessary for everyone as nowadays basic health facilities are very expensive
and poor people are unable to pay for them if anything happen to them this Ayushman
Bharat policy will give them cashless facility for their medical expenses.
1.2AWARENESS

It basically means having knowledge or understanding of a certain subject or

topic. Awareness is basically important in every aspect of life because it lays a
base for doing anything and everything for taking corrective measures in case of
unsatisfactory results. Generally, the lack of knowledge leads to failure of
functions or experiments. There are various types of awareness such as self –
awareness, awareness towards environment & awareness towards society, etc.
Many times this question strike in our mind that how do awareness play an
important role in day-to-day activities. Let’s take an example, brand awareness, it
means knowing about a brand and products or services they deal in. At a
particular moment in soft drinks industry, cold drink meant Coca Cola the reason
behind was the promotion of Coca Cola was done in such a way. This can be
quoted as creating brand awareness. It can be concluded that awareness is
excessively crucial part of everything and everyone’s life.
Services are basically intangible or invisible goods which cannot be seen or
touched but can be only felt. Examples of services are banking, consultancy,
accounting, beauty services, etc. In our routine we involve use of various services
so in short, it means we should be aware of them otherwise we could face a lot of
difficulties like banking services plays a major in almost every individual as well
as in an institution.

1.3 IMPORTANCE OF HEALTH INSURANCE

 Having health insurance can reduce financial burden due to heavy medical expenses .
 For example- If a person earns Rs. 30,000 per month he barely saves any amount and
if anything happens to him or his family he has to taken loan or borrow from any
other source but if he purchases health insurance policy in which he has to give
 premium of Rs. 2000 per month to cover 4 members for S.I – 8,00,000 it will create
no burden for any medical expenses and it is not very expensive he can easily afford
paying Rs. 2000. So as we see from the example how health insurance can be helpful.
 The average medical expenditure per hospitalisation case was about Rs 16,676 in
rural, Rs 26,475 in urban India. IHospital bills are spinning out of Icontrol. The
IInsurance Regulatory and Development IAuthority has issued an alert:Ibills for major
diseases shot up by 27 per cent Ibetween 2007 and 2010. iHospital bills for heart
diseases have Idoubled in the last three years Iand can range anywhere between Rs 2-
5 Ilakh.
 So let’s take basic medical expenses if a person is admitted for 2 days in a hospital in
different cities. If a person is not having health IInsurance then he has to pay such a
hefty amount.

Delhi –Rs. 30,613

Punjab- Rs. 27,718

Maharashtra- Rs. 20,475

Uttar-Pradesh -Rs.18,693

Haryana- Rs. 18,641

Jharkhand- Rs. 10,351

Odisha- Rs. 10,250

Now we take expenses for critical illness.

Cancer- Rs.6-7 lakhs

Heart related disease- Rs. 3.5-5 lakhs

Kidney related disease- Rs.50,000-1.5 lakhs. Etc.

What if a person is too poor and not able to pay premiums also how will he be covered under
health insurance policy . For those people government has launched Ayushman Bharat Yojna.
 2. AYUSHMAN BHARAT

Ayushman Bharat National Health Protection Scheme (AB – NHPS) the world’s
biggest sponsored healthcare scheme was launched by Prime Minister Narendra
Modi to cover 10 crore economically backward families. This scheme was
launched on 23rd September 2018 in Ranchi, Jharkhand and became operational
from 25th September 2018 which is marked as birth anniversary of Pandit
DeenDayal Upadhyaya. The scheme has renamed as Pradhan Mantri Jan Arogya
Yojana (PMJAY) which provides cover of Rs. Five lakhs per family. The complete
process is cashless and paperless in public hospitals and empanelled private
hospitals. The coverage includes the three days of Ipre-hospitalisation & fifteen
days of post-Ihospitalisation expenses. Moreover, approx. around 1,400
Iprocedures with all connected costs like OT expenses are taken care of. All in all,
PMJAY and the e-card provide a coverage of Rs. Five lakh per family.

A number of the important ICritical illnesses that are covered are as follows.

 Coronary artery bypass graft

 Carotid angioplasty with stent
 Prostate cancer
 Pulmonary valve replacement
 Skull base surgery
 Double valve replacement
 Anterior spine fixation
 Tissue expander for disfigurement following burns

PMJAY has some exclusions. They are as follows.

 OPD
 Drug rehabilitation programme
 Cosmetic connected procedures
 Fertility connected procedures
 Organ transplants
 2.1. ELIGIBILITY

Economically backward persons in rural & urban areas identifies Socio –

Economic Caste Census ( SECC) 2011.

(a) For rural areas :

 Families living in just one room/area with kuccha walls and kachcha roof.

 Families with no adult members aged between sixteen and fifty nine.

 Female-headed family with no adult male person within the age group of
16-59.

 Families having minimum of one disabled member and no able-bodied/

healthy adult member.

 SC/ST households.

 Landless households deriving a major part of their income from manual

casual labour.

 Destitute and those surviving on the charity.

 Manual scavenger families.

 Tribal groups

 Legally-released bonded/secured labourers

(b) For urban areas

 Rag picker

 Beggar

 Domestic employee

 Street vendor/cobbler/hawker/ different service providers working on the

streets.

 Construction worker/ plumber/ mason/ labour/ painter/ welder/ security

guard/ coolie and other head-load workers.

 Sweeper/ sanitation worker/ gardener

 Home-based employee/ artisan/ handicrafts worker / tailor

 Transport worker/ driver/ conductor/ helper to drivers and conductors/

cart-puller/ rickshaws puller.

 Shop worker/ assistant/ peon/ labourers in small establishment/ helper/

delivery assistant / attendant/ waiter.

 Electrician/ mechanic/ assembler/ repair workers.

 Washerman / chowkidar
2.2 COVERAGE & FEATURES
(a) It offers insurance cover of Rs five lakh per family

(b) The entire process is paperless & cashless in public hospitals and too in
private hospitals.

(c) The scheme covers medical expenses for secondary care and most for
tertiary care procedures.

(d) No premium need is to be paid by the beneficiaries for the insurance

cover.

(e) The insurance includes pre- & post-hospitalisation expenses.

(f) All the empanelled hospitals will have ‘Ayushman Mitra’, a person who
is recruited to coordinate with the beneficiaries of the scheme and to
provide assistance to patients.

(g) A helpdesk will also be provided at all the empanelled hospitals to

identify the eligibility, authenticate documents, and assist in the
enrolment process.

(h) Eligibility shall be checked by the various processes, which include

inspecting letters with QR codes that belong to be beneficiaries and
authenticating the same.
 2.3 HISTORY OF AYUSHMAN BHARAT

The National Health iProtection scheme (NHPS) ischeme is created by

subsuming multiple ischemes as well as Rashtriya Swasthya Bima Yojana,
ISenior citizen health Insurance Scheme i(SCHIS), Central Government
Health Scheme (CGHS), Employees' State Insurance theme (ESIS) etc. The
Central Government Health theme (CGHS) was started beneath the Indian
Ministry of Health and Family Welfare in 1954 with the target of providing
comprehensive treatment care facilities to Central Government staff,
pensioners and their dependents residing in CGHS lined cities. This health
scheme is now in operation with cities such as Bhubaneswar, Bhopal,
Chandigarh and Bangalore and many urban centres. The dispensary clinic is
the backbone of the Scheme. Directions on these various matters are issued
from, time to time for the guidance of the specialists and medical Officers.
The Central Government Health Scheme offers health services through
Allopathic and Homeopathic systems as well as through ancient Indian sorts
of medication such as Ayurveda, Unani, Yoga and Siddha.

2.4 CONTROVERSIES

There are media reports of widespread misuse of the Ayushman Bharat scheme by
unscrupulous non-public hospitals through submission of fake/altered medical bills. So
here Under the Scheme, surgeries are claimed to be performed on persons who had been
discharged way back and dialysis has been shown as performed at hospitals not having
kidney transplant /urinary organ transplant facility. There are at least 697 pretend cases in
Uttarakhand State alone, where fine of Rs one crore has been obligatory on hospitals for
frauds under the Scheme.
 2.5 PROGRESS AND REGISTRATION

26 states and union territories accepted the scheme except four states: Delhi, Odisha,
West Bengal and Telangana. Over a large number (100,000) of persons have taken
advantage of the scheme till October 2018. By 26th of November over 825,000 e-
cards had been generated and there was a push to recruit non-public hospitals to the
scheme. Three had already been signed up: Cygnus Sonia Hospital in Nangloi, Dr.
Shroff’s Charity Eye Hospital and Cygnus MLS Super-Speciality Hospital.

Ayushman Bharat Registration:

 First Visit https://www.pmjay.gov.in/ and click on ‘Am I Eligible’

 Then Enter your mobile number and the CAPTCHA code and click on ‘Generate
OTP’

 Then select your state and search by name/ HHD number/ ration card number/
mobile number

 Based on the search result you can verify if your family is covered under PMJAY

Once you're eligible for the PMJAY benefits, you'll work towards obtaining an e-card.
Before this card is issued, your identity is verified at a PMJAY stall with the assistance of a
document like your Aadhaar card , identity card or ration card. Family identification proofs
that can be produced include a government certified list of members, PM letter and an RSBY
card. Once the verification is completed, the e-card is printed/written along with the unique
AB-PMJAY ID. You can use this as proof within any point in the future.
 3.REVIEW OF LITERATURE

 Right to Health in India ( Contemporary Issues and Concerns)– The Indian health
system is undergoing several changes each in operational and abstracted terms.
Essentially India has a very mixed and sophisticated health system with a
combination of ancient and modern practices and belief systems. India has the
excellence of each formal and informal traditional systems getting used widely, and
therefore the formal traditional systems are Currently incorporated within public
policy design through a separate Department of AYUSH (Ayurveda, Unani, Siddha
and Homoeopathy). There are separate medical institutions training health care
providers in each of these different disciplines. Today many primary health centres
across rural India provide modern medicine and traditional medicines at the same
time, indicating a robust respect for native preferences, a key component of a right
based approach. However local health traditions are not limited to the formal
practitioners and include faith healers, herbal healers, bone setters and others and
these systems still remain outside the scope of policy discussion.

 . Rashtriya Swasthya Bima Yojana (Ministry of Health and Family Welfare)-

Rashtriya Swasthya Bima Yojana (RSBY) has been quite progressive in Northern-
India in reducing the medical expenditure of poor family. It has reduced the
incidence of very huge health expenditure by permitting the cost free treatment. Poor
households under the program are found less compelled to use the costlier sources of
finance to support their healthcare expenditure like, raising finance through interest-
based borrowings and sale of household assets. Non-medical consumption of RSBY-
covered households has been found smooth as compared to their counterpart
households, which implies families under program aren’t forced to reduce their
essential household consumption on food and clothing.
 National Sample Survey Organisation(Ministry of Statistics and Programme - The
Ayushman Bharat Program has 2 initiatives/components – Health and wellbeing
Centres, and National Health Protection Scheme – aiming for uplifted accessibility,
availability and affordability of primary-, secondary- and tertiary-care health services
in India. Afterwards, the second part has been renamed as Pradhan Mantri Rashtriya
Swasthya Suraksha Mission. The new program has received an unprecedented public,
political and media attention; and is being attributed to own placed health higher on
political agenda. This review article analysis and provides critical reflections,
suggestions and way forward for speedy and effective implementation of Ayushman
Bharat Program. To be effective and impactful in achieving the specific health
outcomes, there is a requirement for obtaining both design and implementation of
Ayushman Bharat Program right, from the very beginning. Success of the scheme
will depend upon focusing on health and not merely sickness. Reducing disease
burden through robust primary care, focus on allied determinants of health, quality
outdoor and indoor services in public hospitals and incorporation of indigenous
school of medicine and technology will all help in checking farcical and wasteful
expenditure. Instead of shrinking its role in health-care provision, participation of
government system has to be increased progressively. If only those of funds area
allocated to revive/strengthen the system, patients cam avail comprehensive health
care nearer to their instead of than being brought up to far away urban private
operators for on-demand
 National health protection mission a way towards universal health cover by reaching the
bottom of the pyramid- Affordable and quality healthcare has not reached to majority of
Indians even after seventy years of independence. Only 25% of Indian population is insured
under both non-public health insurance and government run insurance schemes. To address
this issue the government had set up High Level Expert group in year 2010 under twelve The
5 Year plan, which submitted its report with focus on Universal Health cover as basic part
for social security. Recently Union Budget 2018 came up with Ayushman Bharat Programme
that plans to cover ten core Below poverty line families under a health Insurance scheme.
The attempts are looking at various challenges to be faced in the implementation of this
scheme and role of various stakeholders required for its success.
 National Institute o f Public Finance (Private hospitals in health Insurance Network)-
non-public hospitals area unit expected to play a key role within
the implementation of presidency sponsored insurance schemes (GSHIS) in Bharat.
This paper examines the provision and unfold of personal hospitals within
the country to produce insights on the potential access to insured health services in
GSHIS schemes. It uses 3 sets of data to analyse the issue: non-public hospitals
empanelled by insurance corporations, the sixth Economic Census, and
personal hospitals empanelled in GSHIS schemes in four States. The analysis
suggests that, in low-income States of the country, empanelment of
personal hospitals by insurance corporations is low and focused in a very few
pockets. This pattern closely corresponds to the pattern of availableness of
personal hospitals indicated within the sixth Economic Census. In Andhra Pradesh,
Telangana, state and province, the four States that have a number of the
biggest GSHIS schemes within the country, there's a robust correspondence
between non-public hospitals empanelled by insurance corporations and
personal hospitals empanelled in GSHIS schemes. In these States, the extent of
empanelment of personal hospitals in GSHIS schemes is additionally well smaller
than the empanelment of personal hospitals by insurance corporations. this
could indicate variations in entry condition or low disposition of personal hospitals to
participate in GSHIS schemes.
 Survey McCormack et al. (2009)- developed and tried a medical coverage education
scale for Medicare comes and discovered low-to-direct degrees of health care
coverage proficiency among more responsible grown-ups. In 2011, twelve specialists
in financial education, eudemonia proficiency, or probably medical coverage plans
were welcome to a round table to round table medical coverage education and
to dictate a way to gauge it.The round table was expedited by customers Union, the
University of Maryland school Park, and therefore the yank Institutes
of analysis (AIR). Medical coverage education was defined as learning, capacity, and
confidence to find and assess knowledge regarding eudemonia plans, choose the most
effective arrangement for his or her family for his or her own or their family's
financial and eudemonia conditions, and utilize the arrangement once enlisted"
(Quincy, 2012a). In 2013, the AIR discharged associate institutionalized proportion
of medical coverage proficiency .
 4. OJECTIVE OF STUDY

 To understand the “Perception and Awareness towards Ayushman Bharat

Scheme in the area of Mayur vihar phase 3 .
 To analyse the reason behind the awareness or lack of awareness among
people of Mayur vihar in order to take required measures for such cases.
 To know how improvement of infrastructure in the healthcare sector will
help in creating opportunities for companies to expand healthcare systems,
which in turn will create employment opportunities for many.

5.RESEARCH METHODOLOGY

 The study is based on primary and secondary data.

 Research methodology is a methodology for collecting all sorts of information
and data pertaining to the objective of the study. The methodology includes
the overall research designs, sampling procedure and fieldwork done and
finally the analysis procedure.

(a) RESEARCH DESIGN

Research design is an influential system of planned action need to be carried

out in a series during the process of research targeting on the management
 problems which need to be solved. It enables a researcher from identifying the
managerial problem and the problem area to report writing with the help of
collection, and interpretation of data .

The study on “ PERCEPTION and AWARENESS TOWARDS

AYUSHMANN BHARAT SCHEME IN MAYUR VIHAR PHASE 3
DELHI” will be both exploratory and descriptive.

(b) SAMPLE DESIGN

Convenience sampling technique is used to collect the data needed for the
study. The target respondents in Mayur vihar phase 3 Delhi.

Target population – Mayur vihar phase 3, Delhi

Sample Frame – Sample frame will be residents of Mayur vihar phase 3,
working and non – working males and females, professional and business
class.
Sample Size – 60

(c)DATA COLLECTION METHODS

The data collected is from primary sources and is presented in a systematic form. The source
of information are often referred to as primary data and secondary data. Primary data is
collected for the purpose of the study. Survey method is used to collect the primary data
needed for the study. The main sources of primary data and information included
questionnaire filled up by residents of Mayur vihar phase 3.
 INCOME

11%
31%
20%

38%

6.DATA ANALYSIS AND FINDINGS

The tools used for analysing the data were questionnaire and survey.

FINDINGS

(A) INCOME
 NUMBERMARITIAL
OF MEMBERS IN FAMILY
STATUS
13% 16% 3 MEMBERS
4 MEMBERS
16%
39% MARRIED 5UNMARRIED
MEMBERS
6 MEMBERS
56% 61%

So
the

above figure shows that 38% are having income of 0-3 lakh and 31 % are
having 3-5 lakhs and above and 20 %are having 5-8 lakh and 11% are having
more than 8 lakhs.

(B)MARITIAL STATUS

Survey had 61% married and 39% unmarried people .

(C)NUMBER OF MEMBERS IN FAMILY

 15%
48% GOOD MODERATE POOR
36% So
the
above
figures shows that 56% families are having 4 members and more and 16% are
having 5 members and also 16% are having 3 members and 12% are having 6
members.

(D) YOUR AWARENESS ABOUT HEALTH INSURANCE POLICY

So the above figure shows 49% people are having good level of awareness and
36% are having moderate level of Awareness and 15% are having poor level of
Awareness.

(E) IF YOUR AWARENESS IS POOR, REASONS FOR POOR

AWARENESS

So as the above figure shows 38% people are having poor awareness because
they think they are having no need for it . And 24% are having lack of good
adviser and 19% are having poor awareness due to inadequate promotion by
companies as they think 4% people are covered with government schemes and
1% people are having lack of interest.

(F) I AM AWARE OF THE AYUSHMANN BHARAT SCHEME

21%

79%

78.80% people are aware about the Ayushman Bharat scheme and 21.20%
people are not aware about Ayushman bharat scheme.

(G) I AM ENROLLED IN AYUSHMANN BHARAT SCHEME

36%

64% YES NO

64% people are enrolled under ayushman bharat scheme and 36% people are
not enrolled.

(H) EVER CLAIMED ANY AMOUNT

 1%
2%

97%

97 % of people haven’t claimed any amount till now, 2% have

claimed and rest 1% don’t know the claim intimation procedure.

Second part of Study

So in the second part of the study I have done analysis on social security schemes of
different countries basically of South Asian countries .
 I have compared Government schemes of South Asian countries with
Ayushman Bharat like- National social security strategy of Bangladesh , Sehat
Sahulat Program of Pakistan and social health Security scheme of Nepal .
 To know how we can improve Ayushman Bharat Scheme or to know that
which scheme is better and in which aspects.
 To know more about that how other countries are taking care of the poor
population by innovative ideas like of Ayushman Bharat Scheme of India.
 And to know how much contribution the beneficiary has to do to be benefited
from the social security schemes.
 To know about the coverages offered by government under the specific
schemes of South Asian countries like of Bangladesh, Pakistan and Nepal.

7. SOCIAL SECURITY SCHEME OF OTHER

COUNTRIES

1. (Bangladesh) National social security strategy The NSSS is a shot by the

government of (Bangladesh) to bring coherence to the national social
security/insurance system while also developing a long-term vision This forms
a wider umbrella incorporating the govt. poverty reduction strategy with
improving economic condition and strategies on education, health, nutrition,
population, sanitation and water system, financial inclusion, females and
 gender empowerment, social inclusion of ethnic and spiritual minorities,
disaster management and social security.

2. (Pakistan) Sehat Sahulat Program - Sehat Sahulat Program is serving as

milestone towards welfare reforms; ensuring that the identified under-
privileged citizens across the country get access to their entitled medical
health care in a smooth and dignified manner for the families whose earning is
small than $2 per day The services that are obtainable from Sehat Insaf Card
includes open heart surgeries, insertion of stents, management of cancer,
neurosurgical procedures, burn management, accident management, dialysis,
intensive care management, deliveries, C section and different
medical/surgical procedures

3. (Nepal) Social health security scheme- senior citizen (aged more than 70)
can get free insurance services provided by the government of Nepal. Senior
citizens can get Rs 1lakh worth free health insurance service. It's a voluntary
program based on family contributions. And also the Families of up to 5
members have to contribute NPR 2,500 each year and NPR 425 per extra
member.
 8. CONCLUSION

 The study reveals that most of the people are aware about Ayushman Bharat
Scheme among the area of Mayur Vihar phase 3.
 Some people are not that aware because of some reasons which are like lack of
good adviser, misconception among the people, inadequate promotion of the
scheme, lack of interest among the people for knowing the benefits of scheme,
and some people think that they have no need to take any insurance scheme
 and some people are covered with other schemes rather than Ayushman
Bharat.
 Among the people I surveyed 64% people are covered under Ayushman
Bharat Scheme and among those people 97% people haven’t claimed among
the policy 2% have claimed and 1% people even don’t know how to claim
under the policy .
 And I also advise policy makers to advertise more about the policy to make
people more aware of it. And I can surely say that there is a bright future of
Ayushman Bharat Yojna because this policy is giving benefit to the people in
real way due to cashless procedure there us a relief among all the people who
are covered under this scheme because all the pre -existing diseases are
covered which means there is no way to reject the claim .

Analysis of the Comparison

As per the Analysis of the study it has been observed that Ayushman Bharat is better
than the Social security schemes of South Asian countries as .

 Sum- Insured -Ayushman bharat scheme is better than National social

security strategy of Bangladesh, Sehat sahulat program of Pakistan and Social
health security scheme of Nepal as in Ayushman bharat the Sum Insured is
Rs.5,00,000
  Secondary and Tertiary care - The scheme covers medical expenses for
secondary care and most for tertiary care procedures. Ayushman bharat
insurance includes pre- & post-hospitalisation expenses.
 No need to pay premium - No premium need is to be paid by the
beneficiaries for the insurance cover because government pays the premium as
helpdesk is also be provided at all the empanelled hospitals to identify the
eligibility, authenticate documents, and assist in the enrolment process.
 Paperless and cashless - The entire process is paperless & cashless in public
hospitals and too in private hospitals.
 Pre – existing disease covered - And in Ayushman bharat scheme all pre-
existing diseases are covered this means who all require medical care under
this policy can’t be turned away. This scheme tends to improve the quality of
life of the weaker sections of society who are held back drastically due to
health issues that can easily be tackled with timely care and finances.

9.SUGGESTIONS

 Suggestion for the policy makers will be that they do something to create
more awareness in the people by highlighting the advantage of having
this policy and giving advertisement in newspaper and through internet
advertisement.

 Government can also reach to the target population by receiving phone

numbers from the bank account whom are receiving subsidy of L.P.G
 and texting them about Ayushman Bharat . As they are the most needy of
this policy.

10..ANNEXURE

QUESTIONNAIRE

1. INCOME
(a) 0-3 lakhs (b) 3-5 lakhs (c) 5-8 lakhs (d) 8 lakhs and more

2. MARTIAL STATUS
(a) Married ( b). Unmarried
3. NUMBER OF MEMBERS IN FAMILY
(a) 3 and less ( b) 4 (c) 5 (d) 6 and more

4. AWARENESS ABOUT HEALTH INSURANCE POLICY

(a) High. (b) moderate. (c) poor

5. IF YOUR AWARENESS IS POOR, REASONS FOR POOR AWARENESS

(a) Lack of good adviser (b) misconception (c) inadequate promotion (d) lack of
interest. (e) no need. (f) covered with government schemes

6. I AM AWARE OF AYUSHMAN BHARAT SCHEME

(a) Yes. ( b ) No

7. I AM ENROLLED IN AYUSHMAN BHARAT SCHEME

(a) Yes. (b) No

8. EVER CLAIMED ANY AMOUNT

(a) Yes (b) No. ( C) Don't know the claim intimation procedure

11.REFERENCES

https://www.ncbi.nlm.nih.gov › pmc › articles › PMC5974836

www.ijcm.org.in › article
https://journals.plos.org › plosmedicine ›