National Health Protection Scheme: Medical Cover upto 5 Lac for 10 Crore Families (Budget 2018)

National Health Protection Scheme: Medical Cover upto 5 Lac for 10 Crore Poor and Vulnerable Families under “Ayushman Bharat for a New India -2022” initiative (Budget 2018)

While presenting Budget 20181-9, the Finance Minister Mr Arun Jaitley has proposed that Govt. will introduce “National Health Protection Scheme” to ensure protection of 10 Crore Families (about 50 crore citizens) from Medical Expenses by way of Insurance Cover/ reimbursement upto Rs. 5 Lac p.a./ per family. Supposedly, it will be the World’s largest Health Protection Scheme, for secondary and tertiary care hospitalization.

FM has proposed two major initiatives in health sector, as part of Ayushman Bharat programme, while presenting Budget 2018. He said that this was aimed at making path breaking interventions to address health holistically, in primary, secondary and tertiary care systems, covering both prevention and health promotion.

The initiatives are as follows:-

(i) Health and Wellness Centre:- The National Health Policy, 2017 has envisioned Health and Wellness Centres as the foundation of India’s health system. Under this 1.5 lakh centres will bring health care system closer to the homes of people. These centres will provide comprehensive health care, including for non-communicable diseases and maternal and child health services.  These centres will also provide free essential drugs and diagnostic services. The Budget has allocated Rs.1200 crore for this flagship programme. Contribution of private sector through CSR and philanthropic institutions in adopting these centres is also envisaged.

(ii) National Health Protection Scheme:- The second flagship programme under Ayushman Bharat is National Health Protection Scheme, which will cover over 10 crore poor and vulnerable families (approximately 50 crore beneficiaries) providing coverage upto 5 lakh rupees per family per year for secondary and tertiary care hospitalization.  This will be the world’s largest government funded health care programme. Adequate funds will be provided for smooth implementation of this programme.

The Finance Minister further said, that these two health sector initiatives under Ayushman Bharat Programme will build a New India 2022 and ensure enhanced productivity, well being and avert wage loss and impoverishment. These Schemes will also generate lakhs of jobs, particularly for women.

The Finance Minister said, that in order to further enhance accessibility of quality medical education and health care, 24 new Government Medical Colleges and Hospitals will be set up, by up-grading existing district hospitals in the country. This would ensure that there is at least 1 Medical College for every 3 Parliamentary Constituencies and at least 1 Government Medical College in each State of the country.


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