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Thursday, 13 February 2020

Rashtriya Arogya Nidhi (RAN) Scheme 2020-21 - Rs. 15 Lakh Aid For Ayushman Bharat Yojana Beneficiaries

Now all the Ayushman Bharat Yojana beneficiaries can get financial assistance upto Rs. 15 lakh under Rashtriya Arogya Nidhi (RAN) Scheme 2020-21. All those people who are not covered under various PM Jan Aarogya Yojana packages of health insurance can avail this aid. Ministry of Health and Family Welfare of central government has issued revised guidelines for this RAN scheme 2020-2021. Here are the guidelines, NHA role in implementation and complete details of the scheme.
As Ayushman Bharat Yojana only provides cashless treatment upto Rs. 5 lakh. But treatment cost for poor people who are suffering from critical illnesses goes much higher than this amount. So to meet the cost of expensive treatment, Rashtriya Arogya Nidhi Scheme 2020-2021 has been launched. In this RAN umbrella scheme, people can get cashless treatment upto Rs. 15 lakh.  

For this purpose, each PMJAY beneficiary will have to get certified from government hospital that his / her condition is not covered under Ayushman Bharat Yojana. Such patients can then avail assistance under Rashtriya Aarogya Nidhi Yojana. 

Rashtriya Arogya Nidhi (RAN) Scheme 2020-2021 for AB-PMJAY Beneficiaries

The flagship Ayushman Bharat Scheme (PM Jan Arogya Yojana) was launched by PM Narendra Modi. This health insurance scheme provide free treatment upto Rs. 5 lakh in all govt. and private empanelled hospitals. The assistance is provided on the basis of package rates of that particular disease. But some AB-PMJAY beneficiaries suffers from disease which are not covered in PMJAY packages and cost of treatment of such disease is also higher. So, Rashtriya Arogya Nidhi Scheme 2020-2021 has been started.  
All those Ayushman Bharat Yojana beneficiaries who requires treatment upto Rs. 15 lakh can avail assistance under RAN Scheme 2020-21. Ministry of Health and Family Welfare has issued revised guidelines of RAN umbrella scheme 2020. The new RAN scheme guidelines have been issued after receiving complaints from poor patients suffering from life threatening diseases.
The Rashtriya Arogya Nidhi Scheme will enable poor people who are not covered under Ayushman Bharat - PM Jan Arogya Yojana to get full treatment of their disease. The Union govt. has already sent memorandum to all govt. hospitals, all regional cancer centres, health secretaries of all states, dept. of expenditure and National Health Authority.

National Health Agency (NHA) Guidelines on RAN Scheme 2020-21


National Health Agency (NHA) is the apex body for implementation of Ayushman Bharat PM Jan Arogya Yojana Health Insurance Scheme. On getting medical advice that suggested treatment is not covered under PMJAY approved list of packages, financial assistance upto Rs. 15 lakh can be provided under RAN scheme 2020-21. The complete assistance amount to be given under Rashtriya Arogya Nidhi Scheme. AIIMS and NHA had earlier suggested Ministry of Health and Family welfare that patients who are deprived treatment under AB-PMJAY Scheme could be covered under RAN.
  
Poor patients who had been refused treatment under PMJAY Scheme like people suffering from blood cancer, chronic liver diseases, organ / bone marrow transplant can avail treatment under RAN Scheme. Various other serious ailments whose name is not present in 1,393 medical packages of Ayushman Bharat Scheme could also be treated under Rashtriya Arogya Nidhi Scheme 2020-21. 

Health ministry has also sent a proposal to central govt. to raise the limit of Rs. 5 lakh p.a so that patients under PM-JAY can avail facilities under Ayushman Bharat Yojana only. National Human Rights Commission is checking report against complaints of patients who are holding BPL cards but are not getting Ayushman Bharat Yojana benefits. This report also mentions that people who had availed benefits of PM Jan Arogya Yojana and even if they suffer from life threatening diseases whose expenditure is more than Rs. 5 lakh are not covered under AB-PMJAY Scheme. 

Ministry of Health has made amendment in guidelines in interest of poor patients to enable them to get cashless treatment upto Rs. 15 lakh for treatment of life threatening diseases. RAN Scheme will include patients who requires kidney transplant, bone marrow or liver transplant. Such PMJAY beneficiary patients who suffers and faces problems in getting treatment would now be covered under Rashtriya Arogya Nidhi Scheme 2020-2021.

All welfare policies of central government are meant to benefit poor people so they must be reviewed on a timely basis. Policy makers and bureaucracy should be empathetic towards beneficiaries of its schemes. Responsible doctors should also remain vigilant about such things.

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