A Study on the Effectiveness Pradhan Manthri Jan ArogyaYojana with Reference to Cherunniyoor Grama Panchayat

The saying ‘ health is wealth’ is very much true in the present fast-paced life and it signifies the importance and necessity of a well developed health care system. Ill health not only leads to financial bankruptcy but also gives a lot of sufferings to the affected individual and his/ her family. Good health is one of the most important pre requisite to human productivity which in turn leads to overall development of a society. Primary health care is the backbone of the Indian health system. Health problem can be occurred at any time for any one. To ensure “Health for all” is a huge challenge that confronts the authorities in India, given the country’s size and the diversity of its population in socio-economic, regional, and cultural terms. Accordingly, steps were initiated to provide health insurance to selected beneficiaries either at the state level or national level. PradhanManthri Jan ArogyaYojana Scheme was launched in 2018 by the Government of India, with the objective of providing health insuranceto the poorest strata of society, i.e. below poverty line (BPL) households. The primary aim of PMJAY is to protect BPL households from catastrophic health expenditure and to promote health-seeking behavior in them. The costs of this scheme are borne in the ratio of 3:1 between the central government and the state. The main objectives of the studies are to study the financial impact and effectiveness in the implementation of PMJAY among BPL families in CherunniyoorGramaPanchayat of Kerala state and to identify whether the PMJAY beneficiaries are satisfied with the amount provided for treatment under the Scheme.