MAJOR PROJECT

PERCEPTION AND AWARENESS TOWARDS AYUSHMANN

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 Prof-. 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 successfully completed the project work titled
“Perception and Awareness towards Ayushmann 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
Prof- 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 Prof- 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

 Introduction
 Perception
 Awareness
1 Awareness about services
2 Awareness about Health Insurance
3 Ayushmann Bharat
3.1 Eligibility Criteria
3.2 Coverage & Features
3.3 History of Ayushmann Bharat
3.4 Controversies
3.5 Progress
3.6 Ayushman Bharat Registration
 Review of Literature
 Objective of study
 Research Methodology
1 Research Design
2 Sample Design
3 Data Collection Methods
4 Data Analysis Tools
 Findings & Discussions
 Social security schemes of other countries
 Conclusion
 Questionnaire
 References
INTRODUCTION

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 having health insurance.

For example- If a person earns 30,000 rs 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.

Now, we will consider people who are very poor and not able to give basic premium how will
they cover their medical expenses as medical emergencies does not knock doors giving prior
information they arise uncertainly so it is very important to have medical insurance for the
poor people and there are schemes worldwide to cover poor people's medical expenses.

The average medical expenditure per hospitalisation case was about Rs 16,676 in rural, Rs

26,475 in urban India. Hospital bills are spinning out of control. The Insurance Regulatory
and Development Authority has issued an alert: bills for major diseases shot up by 27 per
cent between 2007 and 2010. Hospital bills for heart diseases have doubled in the last three
years and can range anywhere between Rs 2-5 lakh.

So let’s take basic medical expenses if a person is admitted for 2 days in a hospital in
different cities.

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

For poor people there is a scheme called Ayushman Bharat yojna which will reduce the
burden of medical expenses from poor people so the insights of this scheme is like-
Aayushman Bharat Yojana conjointly (PMJAY) this could be a theme that aims to assist
economically vulnerable population to give free medical facilities. The Rs. 5,00,000
insurance amount provided by the Pradhan Mantri Jan Arogya yojna as it is utilised not
simply by people specifically, however conjointly by families generally as ( family floater).
This lump sum is enough to cover each of the medical and surgical treatments in twenty five
specialities among that area unit medical specialty, surgery, oncology, medical specialty,
medical science, etc. However, medical and surgical expenses can't be reimbursed at the same
time. The cashless treatment and hospitalization is formed as there is ratio of 60:40 price
sharing agreement between the Centre and state government. Once known as a real
beneficiary, This help is valid for day care procedures and even applies to pre-existing
conditions. PMJAY extends coverage for over one,350 medical packages. As this aayushman
Bharat Yojana will give relief to poor people who are not able to write off their medical
expenses and this will surely increase the health rate of India.
1. PERCEPTION

Perception towards something essentially means that your thinking about anything so
the perception of people towards aayushman Bharat is very positive as the services
are portable across the country and the beneficiary of this yojna will be 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.
2. AWARENES

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.

a. AWARENESS ABOUT SERVICES

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.
b. AWARENESS ABOUT HEALTH INSURANCE

Insurance is a contract between two parties where one party i.e., insurer or
insurance company promises to pay a certain amount on happening of a particular
or specified event and in exchange the other party i.e., insured agrees to pay a
fixed sum of amount i.e., premium.
Health insurance is a way of distributing the financial risk associated with the
variation of individuals health care expenditure by pooling costs over time and
people need for health insurance awareness programs and proper education
should be the priority in villages and remote areas where literacy rate is low.
Several initiatives should be taken with objectives to tell people the importance
of health insurance and build the trust and credibility of insurance companies
among them Several initiatives ought to be enamoured objectives to inform
individuals the importance of insurance and build the trust and quality of
insurance corporations among them. Health care coverage is an understanding
among safety net provider and insured whereby the insurance agency consents to
embrace an assurance of remuneration for the therapeutic costs for the situation
whenever safeguarded becomes sick or if meets with a mishap which prompts
hospitalization and damage of the guaranteed. As per NCAER report of Post –
launch survey report of IRDAI’s Insurance awareness Campaigns (2010 – 2015)
issued in 2017 stated that 85 per cent of Indian population do not have a health
insurance policy. At the all – India level approximately 70 percent of population
have heard of health and the majority was in urban areas than rural areas and
especially in the southern and western regions of India. Also, in India health
insurance only have feature of hospitalisation expenses and no outpatient
services.
The sole reason why health insurance is important because due to various reasons
such as inflation, advance technology and equipment for treatments, etc., leads
 costly treatments which can lead to adverse change in the financial condition of a
household and here health insurance plays a major role.

c. AYUSHMANN BHARAT

Ayushmann 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 pre-hospitalisation & fifteen days
of post-hospitalisation expenses. Moreover, approx. around 1,400 procedures with
all connected costs like OT expenses are taken care of. All in all, PMJAY and the
e-card provide a coverage of Rs. 5 lakh per family.

A number of the important Critical 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

3.3.1ELIGIBILITY

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

 Ragpicker

 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

3.3.2 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.

3.3.3 HISTORY OF AYUSHMAN BHARAT

The National Health Protection scheme (NHPS) scheme is created by

subsuming multiple schemes as well as Rashtriya Swasthya Bima Yojana,
Senior citizen health Insurance Scheme (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.

3.3.4 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.

3.3.5 PROGRESS
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.

3.3.6 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

Ayushman Bharat Yojana: 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
Centers, 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 analyzes 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 after 70 years of independence. Only 25% of Indian population is
insured under both private health insurance and government run insurance schemes.
To address this issue the government had set up High Level Expert group in year
2010 under 12 The Five Year plan, which submitted its report with focus on
Universal Health cover as basic component for social security. Recently Union
Budget 2018 came up with Ayushman Bharat Programme that plans to cover 10 core
BPL families under a health Insurance scheme. The paper attempts looking at various
challenges to be faced in implementation of this scheme and role of various
stakeholders required for its success.

 National Institute of Public Finance(Private hospitals in health Insurance Network)-

Private hospitals are expected to play a key role in the implementation of government
sponsored health insurance schemes (GSHIS) in India. This paper examines the
availability and spread of private hospitals in the country to provide insights on the
potential access to insured health services in GSHIS schemes. It uses three sets of
information to analyse the issue: private hospitals empanelled by insurance
companies, the 6th Economic Census, and private hospitals empanelled in GSHIS
schemes in four States. The analysis suggests that, in low-income States of the
country, empanelment of private hospitals by insurance companies is low and
concentrated in a few pockets. This pattern closely corresponds to the pattern of
availability of private hospitals indicated in the 6th Economic Census. In Andhra
Pradesh, Telangana, Tamil Nadu and Karnataka, the four States which have some of
the largest GSHIS schemes in the country, there is a strong correspondence between
private hospitals empanelled by insurance companies and private hospitals
empanelled in GSHIS schemes. In these States, the extent of empanelment of private
hospitals in GSHIS schemes is also substantially smaller than the empanelment of
private hospitals by insurance companies. This may indicate differences in entry
condition or low willingness of private hospitals to participate in GSHIS schemes.

 Survey McCormack et al. (2009)- developed and tried a medical coverage education
scale for Medicare projects and discovered low-to-direct degrees of health care
 coverage proficiency among more established grown-ups. In 2011, 12 specialists in
financial education, wellbeing proficiency, or potentially medical coverage plans
were welcome to a roundtable to define medical coverage education and to prescribe
how to gauge it.The roundtable was facilitated by Consumers Union, the University
of Maryland College Park, and the American Institutes of Research (AIR). Medical
coverage education was defined as learning, capacity, and confidence to find and
assess data about wellbeing plans, select the best arrangement for their family for
their own or their family's financial and wellbeing conditions, and utilize the
arrangement once enlisted" (Quincy, 2012a). In 2013, the AIR discharged an
institutionalized proportion of medical coverage proficiency with three purposes: "(I)
evaluate an individual's capacity to settle on educated choices when choosing and
utilizing medical coverage, (ii) is intended for utilization of the populace's degree of
instruction, and (iii) is an apparatus with a progression of numerous decision
addresses that are effectively comprehended.

4. OJECTIVE OF STUDY

 The main objective of the study is to understand the “Perception and

Awareness towards Ayushmann Bharat Scheme in the area of Mayur vihar
phase 3 .
 To find 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 many people are taking advantage of ayushman Bharat in the
area of Mayur vihar phase 3 .
 To Know who are enrolled in ayushman Bharat scheme that who are taking
benefit of this scheme to create ‘A Healthy India’ as it showcases an
immense opportunity of development under the healthcare segment.
 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.
 And suggestions for policy makers will be that they do something to create
more awareness in the people by highlighting the advantages of having this
policy and giving advertisements 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
yojna”.

4. RESEARCH METHODOLOGY

4.1 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.

4.2 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

 INCOME

11% 0 - 5 LAKHS
31% 5 - 10 LAKHS
20%
10 - 15 LAKHS
15 LAKHS AND ABOVE

38%

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

4.3 DATA COLLECTION METHODS

The data collection will be only 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 will be 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.

DATA ANALYSIS TOOLS

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

FINDINGS

(A) INCOME
 NUMBERMARITIAL STATUS
OF MEMBERS IN FAMILY

13% 16% 3 MEMBERS

39% MARRIED
4 MEMBERS
16%
61% 5 MEMBERS
6 MEMBERS

56%

So the above figure shows that 38% are having income of 10-15 lakh
and 31 %are having 15 lakhs and above and 20 %are having 5-10 lakh
and 11% are having 0-5 lakhs.

(B)MARITIAL STATUS

61% are married and 39% are unmarried under people whom I surveyed.
 15%

GOOD
(C)NUM
48% MODERA
TE BER
36%
OF

MEMBERS IN FAMILY

So among the people I surveyed 56% families are having 4members 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%
 4% LACK OF GOOD ADVISOR
24% MISCONCEPTION
INADEQUATE 78.80% people are aware
38% 1% PROMOTION
LACK OF INTEREST about the ayushman
19%
NO NEED
14% COVERED WITH Bharat scheme and
GOVERNMENT
SCHEMES
21.20% people are not
aware about ayushman
bharat scheme.

(G) I AM ENROLLED IN AYUSHMANN BHARAT SCHEME

36%

YE
S
64% 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.
QUESTIONNAIRE
1. INCOME
(a) 0-5 lakhs (b) 5-10 lakhs (c) 10-15 lakhs (d) 15 lakh 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

5. CONCLUSION

The awareness of health insurance is just average among the people of Mayur vihar phase 3
and one of the main reason behind lack of awareness is lack of good advisor.

Approximately, 78.80% people are familiar with Ayushmann Bharat Scheme but only 64 %
of them are enrolled under it. The reason of not knowing about Ayushmann Bharat is because
of carelessness and lack of knowledge .

Of the enrolled people 97 % of them haven’t ever claimed any amount and 1% of people
don’t know how to intimate claims.
6. 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.
REFERENCES

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

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