PMJAY vs PMMVY

PM Jan Arogya Yojana is a flagship health insurance initiative. Under the scheme, beneficiaries can get cashless treatment at empanelled hospitals. The scheme has been implemented in 32 states and union territories across India.

To avail of the benefit of this scheme, the beneficiary must register for the scheme online or offline. After successful registration, an e-card will be generated, which can be used at any empanelled hospital for cashless treatment.

PM Jan Arogya Yojana is a government-funded healthcare program aimed at providing benefits of the best health insurance for senior citizens in India. This scheme's benefits include:

• Access to Free Health Care Services: PMJAY covers a wide range of medical care services, such as hospitalisation expenses, diagnostics, medicines, and other medical treatments, for free.
• Cashless Treatment: It provides cashless treatment to the beneficiaries at any of the empanelled hospitals. It means that beneficiaries do not have to pay for any medical expenses out of their pockets.
• Coverage of Pre-existing Ailments: It provides coverage for pre-existing ailments, which means that even if a beneficiary is already suffering from a condition, they are still eligible for the benefits offered under this programme.
• Financial Assistance: It also provides financial assistance to the beneficiaries in any medical emergency.
• Reduction in Out-of-Pocket Expenditure: It helps reduce the out-of-pocket expenditure of the beneficiaries, which helps reduce the financial burden on them.
• Improved Access to Quality Healthcare: It helps provide improved access to quality healthcare services to the beneficiaries, which helps in improving their health outcomes.

Features of this scheme include the following:

• Cashless and paperless access to health services
• Free of-cost access to services such as diagnostics, medicines and hospitalisation
• Access to quality health services from public and private hospitals
• Portability of health benefits across states
• Access to insurance cover of up to INR 5 lakhs per family per year
• Digital health ID to keep track of medical history
• Dedicated health helpline number
• Access to alternative medicine and treatment options such as ayurveda and yoga.
• Provides information and awareness campaigns on health and wellness.

This scheme provides financial assistance to pregnant or lactating women for their health and nutrition needs. Women can apply for the scheme online by visiting the local Anganwadi centre or the nearest Common Service Centre (CSC). After registration, the applicant will be given a unique ID, and a bank account will be opened in the beneficiary's name. The government will then transfer the amount of money directly into the beneficiary's bank account, depending on the stage of pregnancy or lactation.

The beneficiary can use the fund to pay for nutritious foods, medical check-ups, and other related expenses. The scheme also offers additional benefits such as maternity leave, flexible working hours, and insurance coverage.

PM Matru Vandana Yojana's advantages include:

• Financial Assistance: Pradhan Mantri Matru Vandana Yojana provides financial assistance of INR 5000 to women to meet the additional expenses related to childbirth, nutrition, and healthcare.
• Improved Nutrition: The scheme helps to improve the nutritional status of pregnant and breastfeeding women by providing them with additional funds for health and nutrition-related expenses.
• Improved Healthcare: The scheme provides additional financial support to access quality healthcare services during pregnancy and post-delivery.

Features of PMMVY:

• The scheme provides nutrition support to women by providing iron, folic acid, and other nutritional supplements.
• The scheme also covers the costs of institutional delivery and postnatal care, including transport to a health facility.
• It provides cash incentives to Anganwadi workers to promote the uptake of nutrition services among women.
• This scheme helps relieve the financial burden of healthcare expenses on the vulnerable sections of society and reduces economic and social inequality, further promoting gender equality.
• The scheme provides incentives to ASHAs to promote the uptake of antenatal and postnatal services and facilitates the referral to a health facility for delivery and other services.