DESSERTATIONi

ON
PERCEPTIONiANDiiAWARENESSiTOWARDSiAYUSHMAN
iiiiiiiiiiBHARATiINiTHEiAREAiOFiMAYURiVIHARiPHASEi3.
SubmittediinipartialifulfilmentiofitheirequirementsiofiBacheloriofiArtsi(In
suranceiandiBanking),iAMITYiUNIVERSITY,iNoida

iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiii
SUBMITTED BY: SUBMITTED TO:
Anshika Sharma Dr. -. Pallavi Seth
A2850617025 (Faculty Mentor)

AmityiSchooliofiInsurance,iBankingiandiActuarialiScience
AmityiUniversity,iUP,iNoidaiCampus
Marchi2020i
 CERTIFICATE

ThisiisitoicertifyithatiMs.iAnshikaiSharmaiofiASIBASiofiAmityiUniversity,i
Noidaicampus,iUttariPradeshihasisuccessfullyicompleteditheiprojectiworkititle
di“PerceptioniandiAwarenessitowardsiAyushmaniBharatiiinitheiareaiofiM
ayurivihariphasei3”iinipartialifulfilmentiofirequirementiforitheicompletioniofi
B.Ai(Honours)iInsurancei&iBankingiasiprescribedibyitheiAmityiUniversity,I
UP,iNoidaiCampus.

Thisiprojectireportiisitheirecordiofiauthenticiworkicarriedioutibyiheriduringithe
iperiodifromi2iJanuaryi2020itoi23iMarchi2020.

Sheihasiworkediunderimyiguidancei.

Signature
Dr.-iPallaviiSeth
AssistantiProfessor
ASIBAS
Datei:i
 DECLARATION

Ii,iAnshikaiSharmaistudentiofiB.A.
(H)iINSURANCEiANDiBANKINGifromiAMITYiSCHOOLiOFiINSURANCEi,iBANKIN
GiANDiACTUARIALiSCIENCEiherebyideclareithatiIihaveicompletedimyiTermiprojectioni
“iPERCEPTIONiANDiiAWARENESSiTOWARDSiAYUSHMANNiBHARATiINiTHEiAR
EAiOFiMAYURiVIHARiPHASEi3”iasiaipartiofitheicourseirequirement.

Iifurtherideclareithatitheiinformationipresentediinithisiprojectiisitrueiandioriginalitoitheibesti
ofimyiknowledge.

ANSHIKAiSHARMA
 ACKNOWLEDGEMENT

Thisiprojectiwouldinotihaveibeenipossibleiwithoutitheiguidance,ihelpiandicooperationiofiain
umberiofipeople.iIiextendimyigratitudeitoiallithoseipeopleiwhoihelpedimeiinisomeioriotheri
wayitoicompleteimyiproject.
AlsoiIiwouldilikeitoiexpressimyideepestisenseiofigratitudeitoiDr.PallaviiSethiiniprovidingia
isenseiofidirectioniandicontinuousisupportiinimyireportiandihisiinputsiregardingitheiconducti
andiexecutioniofithisireporti.iIiwishitoiexpressimyiheartfeltigratitudeitoiallifriendsiwhoihavei
beeniassociatediwithithisistudyiinieveryismalliandibigiway.

Thanking,
ANSHIKAiSHARMA
ANTIi–iPLAGARISMiiDECLARATION

I,iAnshikaiSharmaiiherebyideclareithatimyiprojecti“PerceptioniandiawarenessitowardsiAyu
shmanibharatiinitheiareaiofiMayurivihariphasei3.”isubmitteditoiAmityiUniversity,iNoidaiisii
nioriginaliandiforithisiplagiarismicheckiwasidone.

Iiherebyicertifyithatithereiisi90i
%ioriginalityiinimyimajoriprojectireportiandiitiisibelowitheimaximumilimitisetibyitheiUnive
rsity.

ANSHIKAiSHARMA

B.A.i(Hons.)i(Insurancei&iBanking)

Enrollmentino.i–iA2850617025
 TABLEiOFiCONTENTS

1. Introduction
1.1iPerceptioni
1.2iAwareness
1.3iImportanceiofiHealthiInsurancei
2. AyushmaniBharat
2.1iiEligibilityiCriteriai
2.2iCoveragei&iFeatures
2.3iHistoryiofiAyushmaniBharat
2.4iControversies
2.5iProgressiandiregistrationiprocess
3. ReviewiofiLiterature
4. Objectiveiofistudy
4.1iImpliediObjectivei–iSuggestions
5. ResearchiMethodology
a.ResearchiDesign
b.SampleiDesigni
c.DataiCollectioniMethod
6. Findingsi&iDiscussions
7. Secondipartiofistudyi–
iComparisoniwithiSocialisecurityischemesiofiothericountriesiandianal
ysis.
8. Conclusion
9. Suggestionsi
10.Annexure-1
11.References
 1. INTRODUCTION

 Insuranceibasicallyimeansiaiprotectionifromifinancialilosses.iAsiiweialliar
eisurroundedibyimanyirisksilikei-
iRiskiofiDyingitooiearly,idyingitooilate,ifallingiilli,itheft,ifacingilossidueit
oifire,iaccidenti,iearthquakeiandimanyimore.iSoitoiovercomeitheifinancial
ilossesiweicanitakeianiinsuranceipolicyiforitheisame.i
 InsuranceiRegulatoryiandiDevelopmentiAuthorityiofiIndiai(IRDAI)iiisithe
iprimaryiregulatoriforiinsuranceiinitheicountryiitiwasiestablishediinitheiye
ari1999i.
 ThereiareivariousitypesiofiInsuranceiproductsilikei–
iTermiInsurance,iHealthiinsurance,iPropertyiInsurance,iFireiInsurance,iLi
abilityiInsuranceiandiMarineiInsuranceietc.
 IniIndiaithereiareitotali53iInsuranceicompaniesiunderiwhichithereiarei24i
CompaniesiinilifeiInsuranceibusinessiandi29icompaniesiareiininonilifeiIns
uranceibusiness.iSoiamongiLifeiInsurersi(LIC)iisitheisoleipublicisectorico
mpanyiandiunderi29iNon-
LifeiInsurersithereiarei6iPublicisectoriInsuranceicompanies.
 InitheipastifewiyearsiInsuranceiindustryihasilaunchedimanyiinnovativeipr
oductsilikei–
iCyberiCrimeiinsurance,iToffeeiinsurance,iRupeei1iinsuranceilikeiofiOlai
andiUber.ii
 HealthiInsuranceiisioneiofitheimostipopularistreamiofiInsuranceiIndustryi
asiiticoveriailargeinumberiofipopulationiandimanyipersonihaveitakeniadv
antageiofiiti.iHealthiiinsuranceimakeiitipossibleitoitakeiproperimedicalitre
atmentiwheneverineedediasinowiaidaysimedicalitreatmentiisiveryiexpensi
veiandimanyipeopleihaveitoisellitheiriassetsioritakeiloansitoiwriteioffithei
 rimedicalibills.iIfiaipersoniisihavingihealthiinsuranceitheniheicanitakeipro
peritreatmentiwithoutihavingianyifinancialiburdeni.

Thisistudyiisidividediini2ipartsitheifirstipartiisiaboutidataianalysisiandisec
ondipartiisiaboutihowithisischemeicanibeiimprovediasicompareditoiSocial
isecurityischemesiofiSouthiAsianicountries.

1.1 PERCEPTIONi

Perceptionitowardsisomethingiessentiallyiimeansithatiyourithinkingiaboutianythingis
oitheiperceptioniofiipeopleitowardsiAyushmaniBharatiisiveryiipositiveiasitheiservice
siiareiportableiacrossitheicountryianditheibeneficiaryiofithisischemeiwillibeicoveredi
underitheischemeiandiiwillibeialloweditoitakeicashlessibenefitsifromianyipublicioripr
ivateiempanelledihospitalsiacrossitheicountry.iAyushmaniBharatiwilligiveicoverageio
firupeesi5ilakhiperifamilyiiniaiyear.iAyushmaniBharatiisiisilikeiaibooniforivenerablei
andipoorifamiliesiitiwilliincreaseitheihealthiserviceiqualityiforitheipooripeopleiwhich
iisiveryinecessaryiforieveryoneiasinowadaysibasicihealthifacilitiesiareiveryiexpensive
iandipooripeopleiareiunableitoipayiforithemiifianythingihappenitoithemithisiAyushm
aniBharatipolicyiwilligiveithemicashlessifacilityiiforitheirimedicaliexpenses.
1.2iAWARENESSi

Itibasicallyimeansihavingiknowledgeioriunderstandingiofiaicertainisubjectioritop
ic.iAwarenessiisibasicallyiimportantiinieveryiaspectiofilifeibecauseiitilaysiaibase
iforidoingianythingiandieverythingiforitakingicorrectiveimeasuresiinicaseiofiunsa
tisfactoryiresults.iGenerally,itheilackiofiknowledgeileadsitoifailureiofifunctionsio
riexperiments.iThereiareivariousitypesiofiawarenessisuchiasiselfi–
iawareness,iawarenessitowardsienvironmenti&iawarenessitowardsisociety,ietc.
Manyitimesithisiquestionistrikeiiniourimindithatihowidoiawarenessiplayianiimpo
rtantiroleiiniday-to-
dayiactivities.iLet’sitakeianiexample,ibrandiawareness,iitimeansiknowingiabouti
aibrandiandiproductsioriservicesitheyidealiin.iAtiaiparticularimomentiinisoftidrin
ksiindustry,icoldidrinkimeantiCocaiColaitheireasonibehindiwasitheipromotioniof
iCocaiColaiwasidoneiinisuchiaiway.iThisicanibeiquotediasicreatingibrandiaware
ness.iIticanibeiconcludedithatiawarenessiisiexcessivelyicrucialipartiofieverything
iandieveryone’silife.
Servicesiareibasicallyiintangibleioriinvisibleigoodsiwhichicannotibeiseenioritouc
hedibuticanibeionlyifelt.iExamplesiofiservicesiareibanking,iconsultancy,iaccount
ing,ibeautyiservices,ietc.iIniouriroutineiweiinvolveiuseiofivariousiservicesisoiinis
hort,iitimeansiweishouldibeiawareiofithemiotherwiseiweicouldifaceiailotiofidiffi
cultiesilikeibankingiservicesiplaysiaimajoriinialmostieveryiindividualiasiwelliasii
nianiinstitution.

i1.3iIMPORTANCEiOFiiHEALTHiINSURANCE
  Havingihealthiinsuranceicanireduceifinancialiburdenidueitoiheavyimedicaliexpensesi.
 Foriexample-
iIfiaipersoniearnsiRs.i30,000iiperimonthiheibarelyisavesianyiamountiandiifianythingi
happensitoihimiorihisifamilyiheihasitoitakeniloanioriborrowifromianyiotherisourceib
utiifiheipurchasesihealthiinsuranceipolicyiiniwhichiheihasitoigiveipremiumiofiRs.i20
00iperimonthitoicoveri4imembersiforiS.Ii–
i8,00,000iitiwillicreateinoiburdeniforianyimedicaliexpensesiandiitiisinotiveryiexpensi
veiheicanieasilyiaffordipayingiRs.i2000.iSoiasiweiseeifromitheiexampleihowihealthii
nsuranceicanibeihelpful.
 TheiaverageimedicaliexpenditureiperihospitalisationicaseiwasiaboutiRsi16,676iinirur
al,iRsi26,475iiniurbaniIndia.iHospitalibillsiareispinningioutioficontrol.iTheiInsurance
iRegulatoryiandiDevelopmentiAuthorityihasiissuedianialert:ibillsiforimajoridiseasesis
hotiupibyi27ipericentibetweeni2007iandi2010.iHospitalibillsiforiheartidiseasesihavei
doublediinitheilastithreeiyearsiandicanirangeianywhereibetweeniRsi2-5ilakh.
 Soilet’sitakeibasicimedicaliexpensesiifiaipersoniisiadmittedifori2idaysiiniaihospitaliin
idifferenticities.iIfiaipersoniisinotihavingihealthiinsuranceitheniheihasitoipayisuchiaih
eftyiamount.

Delhii–Rs.i30,613

Punjab-iRs.i27,718

Maharashtra-iRs.i20,475

Uttar-Pradeshi-Rs.18,693

Haryana-iRs.i18,641

Jharkhand-iRs.i10,351i

Odisha-iRs.i10,250i

Nowiweitakeiexpensesiforicriticaliillness.i

Cancer-iRs.6-7ilakhsi

Heartirelatedidisease-iRs.i3.5-5ilakhs

Kidneyirelatedidisease-iRs.50,000-1.5ilakhs.iEtc.
Whatiifiaipersoniisitooipooriandiinotiableitoipayipremiumsialsoihowiwilliheibeicoverediund
erihealthiinsuranceipolicyi.iForithoseipeopleigovernmentihasilaunchediAyushmaniBharatiYo
jna.

2. AYUSHMANiBHARAT

AyushmaniBharatiNationaliHealthiProtectioniSchemei(ABi–
iNHPS)itheiworld’sibiggestisponsoredihealthcareischemeiwasilaunchedibyiPrimei
MinisteriNarendraiModiitoicoveri10icroreieconomicallyibackwardifamilies.iThisis
chemeiwasilaunchedioni23rdiSeptemberi2018iiniRanchi,iJharkhandiandibecameiop
erationalifromi25thiSeptemberi2018iwhichiisimarkediasibirthianniversaryiofiPandit
iDeenDayaliUpadhyaya.iTheischemeihasirenamediasiPradhaniMantriiJaniArogyai
Yojanai(PMJAY)iwhichiprovidesicoveriofiRs.iFiveilakhsiperifamily.iTheiicomplet
eiprocessiisiicashlessiandipaperlessiinipublicihospitalsiandiempanellediprivateihos
pitals.iTheicoverageiincludesitheithreeidaysiofipre-
hospitalisationi&ififteenidaysiofipost-
hospitalisationiexpenses.iMoreover,iapprox.iaroundi1,400iproceduresiwithialliconn
ectedicostsilikeiOTiexpensesiareitakenicareiof.iAlliiniall,iPMJAYianditheie-
cardiprovideiaicoverageiofiRs.i5ilakhiperifamily.i

iiiiiiiiiiiiiiiiAinumberiofitheiimportantiCriticaliillnessesithatiareicoverediareiasifollows.

 Coronaryiarteryibypassigraft
 Carotidiangioplastyiwithistent
 Prostateicancer
 Pulmonaryivalveireplacement
 Skullibaseisurgery
 Doubleivalveireplacement
 Anteriorispineifixation
 Tissueiexpanderiforidisfigurementifollowingiburns
iiiiiiiiiiiiiiiPMJAYihasisomeiexclusions.iTheyiareiasifollows.

 OPD
 Drugirehabilitationiprogramme
 Cosmeticiconnectediprocedures
 Fertilityiconnectediiprocedures
 Organitransplants

iiii

2.1.iELIGIBILITY

Economicallyibackwardipersonsiiinirurali&iiurbaniareasiidentifiesiSocioi–
iEconomiciCasteiCensusi(iSECC)i2011.

(a)iForiruraliareasi:

 Familiesilivingiinijustioneiroom/areaiwithikucchaiwallsiandikachchairoof.

 Familiesiwithinoiadultimembersiagedibetweenisixteeniandififtyinine.

 Female-
headedifamilyiwithinoiadultimaleipersoniwithinitheiageigroupiofi16-59.

 Familiesihavingiminimumiofioneidisabledimemberiandinoiable-
bodied/ihealthyiadultimember.

 SC/STihouseholds.

 Landlessihouseholdsiderivingiaimajoripartiofitheiriincomeifromimanualicas
ualilabour.
  Destituteiandithoseisurvivingionitheicharity.

 Manualiscavengerifamilies.

 Tribaligroups

 Legally-releasedibonded/securediilabourers

(b)iForiurbaniareas

 Ragipicker

 Beggar

 Domesticiemployee

 Streetivendor/cobbler/hawker/idifferentiserviceiprovidersiworkingionithei
streets.

 Constructioniworker/iplumber/imason/ilabour/ipainter/iwelder/isecurityigu
ard/icoolieiandiotherihead-loadiworkers.

 Sweeper/isanitationiworker/igardener

 Home-basediemployee/iartisan/ihandicraftsiworkeri/itailor

 Transportiworker/idriver/iconductor/ihelperitoidriversiandiconductors/icar
t-puller/irickshawsipuller.
  Shopiworker/iassistant/ipeon/ilabourersiinismalliestablishment/ihelper/idel
iveryiassistanti/iattendant/iwaiter.

 Electrician/imechanic/iassembler/irepairiworkers.

 Washermani/ichowkidar

2.2iCOVERAGEi&iFEATURES
(a) ItioffersiinsuranceicoveriofiRsifiveilakhiperifamily

(b) Theientireiprocessiisipaperlessi&icashlessiinipublicihospitalsianditooiin
iprivateihospitals.

(c) Theischemeicoversimedicaliexpensesiforisecondaryicareiandimostiforit
ertiaryicareiprocedures.i

(d) Noipremiumineediisitoibeipaidibyitheibeneficiariesiforitheiinsuranceico
ver.

(e) Theiinsuranceiincludesipre-i&iipost-hospitalisationiexpenses.

(f) Allitheiempanelledihospitalsiwillihavei‘AyushmaniMitra’,iaipersoniwh
oiisiirecruiteditoicoordinateiwithitheibeneficiariesiofitheischemeianditoi
provideiassistanceitoipatients.
 (g) Aihelpdeskiwillialsoibeiprovidediatiallitheiempanelledihospitalsitoiiden
tifyitheieligibility,iauthenticateidocuments,iandiassistiinitheienrolmenti
process.

(h) Eligibilityishallibeicheckedibyitheivariousiprocesses,iwhichiincludeiins
pectingilettersiwithiQRicodesithatibelongitoibeibeneficiariesiandiauthen
ticatingitheisame.

2.3iHISTORYiOFiAYUSHMANiBHARAT

TheiNationaliHealthiProtectionischemei(NHPS)ischemeiisicreatedibyisubs
umingimultipleischemesiasiwelliasiiRashtriyaiSwasthyaiBimaiYojana,iSeni
oricitizenihealthiInsuranceiSchemei(SCHIS),iCentraliGovernmentiHealthiS
chemei(CGHS),iEmployees'iStateiInsuranceithemei(ESIS)ietc.iTheiCentrali
GovernmentiHealthithemei(CGHS)iwasistartedibeneathitheiIndianiMinistry
iofiHealthiandiFamilyiWelfareiini1954iwithitheitargetiofiprovidingicompre
hensiveitreatmenticareifacilitiesitoiCentraliGovernmentistaff,ipensionersian
ditheiridependentsiresidingiiniCGHSilinedicities.iThisihealthischemeiisino
wiinioperationiwithicitiesisuchiasiBhubaneswar,iBhopal,iChandigarhiandiB
angaloreiandimanyiurbanicentres.iTheidispensaryicliniciisitheibackboneiofi
theiScheme.iDirectionsionitheseivariousimattersiareiissuedifrom,itimeitoiti
meiforitheiguidanceiofitheispecialistsiandimedicaliOfficers.iTheiCentraliGo
vernmentiHealthiSchemeioffersihealthiservicesithroughiAllopathiciandiHo
meopathicisystemsiasiwelliasithroughiancientiIndianisortsiiofimedicationis
uchiasiAyurveda,iUnani,iYogaiandiSiddha.
 2.4 CONTROVERSIESi

ThereiareimediaireportsiofiwidespreadimisuseiofitheiAyushmaniBharatischemeiibyiunscrupu
lousinon-
publicihospitalsithroughisubmissioniofifake/alterediimedicaliiiiiibills.iSoihereiUnderitheiSch
eme,isurgeriesiareiclaimeditoibeiperformedionipersonsiwhoihadibeeniidischargediwayibacki
andidialysisihasibeenishowniasiperformediatihospitalsinotihavingikidneyitransplanti/urinaryi
organitransplantifacility.iThereiareiatileasti697ipretendicasesiiniUttarakhandiStateialone,iwh
ereifineiofiRsioneicroreihasibeeniobligatoryionihospitalsiforifraudsiunderitheiScheme.

2.5iPROGRESSiANDiREGISTRATION

26istatesiandiunioniterritoriesiaccepteditheischemeiexceptifouristates:iDelhi,iOdisha,i
WestiBengaliandiTelangana.iOveriailargeinumberi(100,000)iofiipersonsihaveitakenia
dvantageiofitheischemeitilliOctoberi2018.iByi26thiiofiNovemberioveri825,000ie-
cardsihadibeenigeneratediandithereiwasiaipushitoirecruitinon-
publicihospitalsitoitheischeme.iThreeihadialreadyibeenisignediup:iCygnusiSoniaiHos
pitaliiniNangloi,iDr.iShroff’siCharityiEyeiHospitaliandiCygnusiMLSiSuper-
SpecialityiHospital.

AyushmaniBharatiRegistration:

 FirstiVisitihttps://www.pmjay.gov.in/iandiclickioni‘AmiIiEligible’
  TheniEnteriyourimobileinumberianditheiCAPTCHAicodeiandiclickioni‘Generatei
OTP’

 Theniselectiyouristateiandisearchibyiname/iHHDinumber/irationicardinumber/imo
bileinumber

 BasedionitheisearchiresultiiyouicaniverifyiifiyourifamilyiisicoverediunderiPMJAY

Onceiyou'reiieligibleiforitheiPMJAYibenefits,iyou'lliworkitowardsiobtainingianie-
card.iBeforeithisicardiisiissued,iyouriidentityiisiverifiediatiaiPMJAYistalliwithitheiassistance
iofiaidocumentilikeiyouriAadhaaricardi,iidentityicardiorirationicard.iFamilyiidentificationipr
oofsithaticanibeiproducediincludeiaigovernmenticertifiedilistiofimembers,iPMiletteriandiani
RSBYicard.iOnceitheiverificationiisicompleted,itheie-
cardiisiprinted/writtenialongiwithitheiuniqueiAB-
PMJAYiID.iYouicaniuseithisiasiproofiwithinianyipointiinitheifuture.

3.REVIEWiOFiLITERATURE

 RightitoiHealthiiniIndiai(iContemporaryiIssuesiandiConcerns)–
iTheiIndianihealthisystemiisiundergoingiseveralichangesieachiinioperationaliandiabs
tractediterms.iEssentiallyiIndiaihasiaiveryimixediandisophisticatedihealthisystemiwit
hiaicombinationiofiancientiandimodernipracticesiandibeliefisystems.iIndiaihasitheiex
cellenceiofieachiformaliandiinformalitraditionalisystemsigettingiusediwidely,iandith
ereforeitheiformalitraditionalisystemsiareiCurrentlyiincorporatediwithinipublicipolic
yidesignithroughiaiseparateiDepartmentiofiAYUSHi(Ayurveda,iUnani,iSiddhaiandi
Homoeopathy).iThereiareiseparateimedicaliinstitutionsitrainingihealthicareiproviders
iinieachiofitheseidifferentidisciplines.iTodayimanyiprimaryihealthicentresiacrossirur
aliIndiaiprovideimodernimedicineianditraditionalimedicinesiatitheisameitime,iindicat
ingiairobustirespectiforinativeipreferences,iaikeyicomponentiofiairightibasediapproa
ch.iHoweverilocalihealthitraditionsiareinotilimiteditoitheiformalipractitionersiandiinc
 ludeifaithihealers,iherbalihealers,iboneisettersiandiothersianditheseisystemsistillirem
ainioutsideitheiscopeiofipolicyidiscussion.

 .iRashtriyaiSwasthyaiBimaiYojanai(MinistryiofiHealthiandiFamilyiWelfare)-
iRashtriyaiSwasthyaiBimaiYojanai(RSBY)ihasibeeniquiteiprogressiveiiniNorthern-
Indiaiinireducingitheimedicaliexpenditureiofipoorifamily.iItihasireduceditheiincidenc
eiofiveryihugeiihealthiexpenditureibyipermittingitheicostifreeitreatment.iPoorihouse
holdsiunderitheiprogramiareifoundilessicompelleditoiuseitheicostlierisourcesiofifina
nceitoisupportitheirihealthcareiexpenditureilike,iraisingifinanceithroughiinterest-
basediborrowingsiandisaleiofihouseholdiassets.iNon-medicaliconsumptioniofiRSBY-
coveredihouseholdsihasibeenifoundismoothiasicompareditoitheiricounterpartihouseh
olds,iwhichiimpliesifamiliesiunderiprogramiaren’tiiforceditoireduceitheiriessentialih
ouseholdiconsumptionionifoodiandiclothing.i

 NationaliSampleiSurveyiOrganisation(MinistryiofiStatisticsiandiProgrammei-
iTheiAyushmaniBharatiProgramihasi2iinitiatives/componentsi–
iHealthiandiwellbeingiCentres,iandiNationaliHealthiProtectioniSchemei–
iaimingiforiupliftediaccessibility,iavailabilityiandiaffordabilityiofiprimary-,isecondar
y-ianditertiary-
careihealthiservicesiiniIndia.iAfterwards,itheisecondipartihasibeenirenamediasiPradh
aniMantriiRashtriyaiSwasthyaiSurakshaiMission.iTheinewiprogramihasireceivediani
unprecedentedipublic,ipoliticaliandimediaiattention;iandiisibeingiattributeditoiownipl
acedihealthihigherionipoliticaliagenda.iThisireviewiarticleianalysisiandiprovidesicriti
calireflections,isuggestionsiandiwayiforwardiforispeedyiandieffectiveiimplementatio
niofiAyushmaniBharatiProgram.iToibeieffectiveiandiimpactfuliiniachievingitheispec
ificihealthioutcomes,ithereiisiairequirementiforiobtainingibothidesigniandiimplement
ationiofiAyushmaniBharatiProgramiright,ifromitheiveryibeginning.iSuccessiofitheisc
hemeiwillidependiuponifocusingionihealthiandinotimerelyisickness.iReducingidiseas
eiburdenithroughirobustiprimaryicare,ifocusionialliedideterminantsiofihealth,iquality
 ioutdooriandiindooriservicesiinipublicihospitalsiandiincorporationiofiindigenousisch
ooliofimedicineianditechnologyiwilliallihelpiinicheckingifarcicaliandiwastefuliexpen
diture.iInsteadiofishrinkingiitsiroleiinihealth-
careiprovision,iparticipationiofigovernmentisystemihasitoibeiincreasediprogressively
.iIfionlyithoseiofiifundsiareaiallocateditoirevive/strengthenitheisystem,ipatientsicami
availicomprehensiveihealthicareineareritoitheiriinsteadiofiithanibeingiibroughtiupitoi
fariawayiurbaniprivateioperatorsiforion-demandi
 Nationalihealthiprotectionimissioniaiwayitowardsiuniversalihealthicoveribyireachingitheibot
tomiofitheipyramid-
iAffordableiandiqualityihealthcareihasinotireacheditoimajorityiofiIndiansieveniafteriseventyi
yearsiofiindependence.iOnlyi25%iofiIndianipopulationiisiinsurediunderibothinon-
publicihealthiinsuranceiandigovernmentiruniinsuranceischemes.iToiaddressithisiissueitheigo
vernmentihadisetiupiHighiLeveliExpertigroupiiniyeari2010iunderitwelveiThei5iYeariplan,iw
hichisubmittediitsireportiwithifocusioniUniversaliHealthicoveriasibasicipartiforisocialisecuri
ty.iRecentlyiUnioniBudgeti2018icameiupiwithiAyushmaniBharatiProgrammeithatiplansitoic
overitenicoreiBelowipovertyilineiifamiliesiunderiaihealthiInsuranceischeme.iTheiiattemptsia
reiilookingiativariousichallengesitoibeifacediinitheiimplementationiofithisischemeiandiroleio
fivariousistakeholdersirequirediforiitsisuccess.

 NationaliiInstituteioifiPubliciFinancei(PrivateihospitalsiinihealthiInsuranceiNetwork)
-inon-
publicihospitalsiareaiunitiexpecteditoiplayiaikeyiroleiwithinitheiimplementationiofip
residencyisponsorediinsuranceischemesi(GSHIS)iiniBharat.iThisipaperiexaminesithe
iprovisioniandiunfoldiofipersonalihospitalsiwithinitheicountryitoiproduceiinsightsion
itheipotentialiaccessitoiinsuredihealthiservicesiiniGSHISischemes.iItiusesi3isetsiofid
ataitoianalyseitheiissue:inon-
publicihospitalsiempanelledibyiinsuranceicorporations,itheisixthiEconomiciCensus,ia
ndipersonalihospitalsiempanellediiniGSHISischemesiinifouriStates.iTheianalysisisug
gestsithat,iinilow-
incomeiStatesiofitheicountry,iempanelmentiofipersonalihospitalsibyiinsuranceicorpo
rationsiisilowiandifocusediiniaiveryifewipockets.iThisipatternicloselyicorrespondsito
itheipatterniofiavailablenessiofipersonalihospitalsiindicatediwithinitheisixthiEconomi
ciCensus.iIniAndhraiPradesh,iTelangana,istateiandiprovince,itheifouriStatesithatihav
 eiainumberiofitheibiggestiGSHISischemesiwithinitheicountry,ithere'siairobusticorres
pondenceibetweeninon-
publicihospitalsiempanelledibyiinsuranceicorporationsiandipersonalihospitalsiempan
ellediiniGSHISischemes.iInitheseiStates,itheiextentiofiempanelmentiofipersonalihos
pitalsiiniGSHISischemesiisiadditionallyiwellismallerithanitheiempanelmentiofiperso
nalihospitalsibyiinsuranceicorporations.ithisicouldiindicateivariationsiinientryiconditi
oniorilowidispositioniofipersonalihospitalsitoiparticipateiiniGSHISischemes.
 SurveyiMcCormackietial.i(2009)-
idevelopedianditriediaimedicalicoverageieducationiscaleiforiMedicareicomesiandidis
coveredilow-to-
directidegreesiofihealthicareicoverageiproficiencyiamongimoreiresponsibleigrown-
ups.iIni2011,itwelveispecialistsiinifinancialieducation,ieudemoniaiproficiency,ioripro
bablyimedicalicoverageiplansiwereiwelcomeitoiairounditableitoirounditableimedicali
coverageieducationianditoidictateiaiwayitoigaugeiit.Theirounditableiwasiexpeditedib
yicustomersiUnion,itheiUniversityiofiMarylandischooliPark,iandithereforeitheiyankiI
nstitutesiofianalysisi(AIR).iMedicalicoverageieducationiwasidefinediasilearning,icap
acity,iandiconfidenceitoifindiandiassessiknowledgeiregardingieudemoniaiplans,ichoo
seitheimostieffectiveiarrangementiforihisioriherifamilyiforihisioriheriownioritheirifa
mily'sifinancialiandieudemoniaiconditions,iandiutilizeitheiarrangementionceienlisted
"i(Quincy,i2012a).iIni2013,itheiAIRidischargediassociateiinstitutionalizediproportio
niofimedicalicoverageiproficiencyi.

iiiiiiii4.iiOJECTIVEiOFiSTUDY

 Toiunderstandithei“PerceptioniandiiAwarenessitowardsiAyushmaniBharatiSc
hemeiinitheiiareaiofiMayurivihariphasei3i.i
 To analyse the reason behind the lack of awareness among the people of
mayur vihar phase 3.
 iToiknowihowiimprovementiofiinfrastructureiinitheihealthcareisectoriwilliihel
piinicreatingiopportunitiesiforicompaniesitoiexpandihealthcareisystems,iwhic
hiiniturniwillicreateiemploymentiopportunitiesiforimany.
 iiiiiiiiii

5.RESEARCHiMETHODOLOGY

 Theistudyiisibasedioniprimaryiandisecondaryidata.i
 Researchimethodologyiisiaimethodologyiforicollectingiallisortsiofiinformatio
niandidataipertainingitoitheiobjectiveiofitheistudy.iTheimethodologyiincludesi
theioveralliresearchidesigns,isamplingiprocedureiandifieldworkidoneiandifinal
lyitheianalysisiprocedure.i

(a)iRESEARCHiDESIGN

Researchidesigniisianiinfluentialisystemiofiplannediactionineeditoibeicarriedi
outiiniaiseriesiduringitheiprocessiofiresearchitargetingionitheimanagementipr
oblemsiwhichineeditoibeisolved.iItienablesiairesearcherifromiidentifyingithei
 managerialiproblemianditheiproblemiareaitoireportiwritingiwithitheihelpiofic
ollection,iandiinterpretationiofidatai.

iiiiiiiiiiiiTheistudyioni“iPERCEPTIONiandiAWARENESSiTOWARDSiAYU
SHMANNiBHARATiSCHEMEiINiMAYURiVIHARiPHASEi3iDELHI”iwil
libeibothiexploratoryiandidescriptive.

(b)iSAMPLEiDESIGN
Convenienceisamplingitechniqueiisiuseditoicollectitheidataineedediforitheistu
dy.iTheitargetirespondentsiiniMayurivihariphasei3iDelhi.

Targetipopulationi–iMayurivihariphasei3,iDelhi
SampleiFramei–
iSampleiframeiwillibeiresidentsiofiMayurivihariphasei3,iworkingiandinoni–
iworkingimalesiandifemales,iprofessionaliandibusinessiclass.
SampleiSizei–i60

(c)DATAiCOLLECTIONiMETHODS

Theidataicollectediisifromiprimaryisourcesiandiisipresentediiniaisystematiciform.iTheisource
iofiinformationiareioftenireferreditoiasiprimaryidataiandisecondaryidata.iPrimaryidataiisiicol
lectediforitheipurposeiofitheistudy.iSurveyimethodiisiuseditoicollectitheiprimaryidataineeded
iforitheistudy.iTheimainisourcesiofiprimaryidataiandiinformationiincludediquestionnaireifille
diupibyiresidentsiofiMayurivihariphasei3.
 INCOME

11%
31%
20%

38%

6.DATAiANALYSISiANDiFINDINGS

Theitoolsiusediforianalysingitheidataiwereiquestionnaireiandisurvey.

FINDINGS

(A)iINCOME
 NUMBERMARITIAL
OF MEMBERS IN FAMILY
STATUS
13% 16% 3 MEMBERS
4 MEMBERS
16%
39% MARRIED 5UNMARRIED
MEMBERS
6 MEMBERS Soith
56% 61%
eiabo
veifi
gurei
showsithati38%iareihavingiincomeiofi0-3ilakhiandi31i%iareihavingi3-
5ilakhsiandiaboveiandi20i%areihavingi5-
8ilakhiandi11%iareihavingiimoreithani8ilakhs.i

(B)MARITIALiSTATUS

iSurveyihadi61%iimarriediandi39%iiunmarriediipeoplei.

(C)NUMBERiOFiMEMBERSiINiFAMILY
 15%
48% GOOD MODERATE POOR
36% Soith
eiabo
veifig
uresishowsithatii56%ifamiliesiareihavingi4imembersiandimoreiandii16%iareiha
vingi5imembersiandialsoi16%iareihavingi3imembersiandi12%iareihavingi6ime
mbers.i

(D)iYOURiAWARENESSiABOUTiHEALTHiINSURANCEiPOLICY

Soitheiaboveifigureishowsi49%ipeopleiareihavingigoodileveliofiiawarenessiand
i36%iareihavingimoderateileveliofiAwarenessiandi15%iareihavingipoorilevelio
fiAwareness.

(E) iIFiYOURiAWARENESSiISiPOOR,iREASONSiFORiPOORiAWA
RENESS

Soiasitheiaboveifigureishowsi38%ipeopleiareihavingipooriawarenessibecauseit
heyithinkitheyiareihavinginoineediforiiti.iAndi24%iareihavingilackiofigoodiadv
iseriandi19%iareihavingipooriawarenessidueitoiinadequateipromotionibyicomp
aniesiasitheyithinki4%ipeopleiareicoverediwithigovernmentischemesiandi1%ip
eopleiareihavingilackiofiinterest.

(F) iIiAMiAWAREiOFiTHEiAYUSHMANNiBHARATiSCHEME

21%

79%

78.80%ipeopleiareiawareiaboutitheiAyushmaniBharatischemeiandi21.20%iipeo
pleiareinotiawareiaboutiAyushmanibharatischeme.

(G)iIiAMiENROLLEDiINiAYUSHMANNiBHARATiSCHEME

36%

64% YES NO

64%ipeopleiareienrollediunderiayushmanibharatischemeiandi36%ipeopleiarein
otienrolled.

(H)iEVERiCLAIMEDiANYiAMOUNTi
 1%
2%

97%

97i
%iofipeopleihaven’ticlaimedianyiamountitillinow,i2%ihaveiclaimedia
ndiresti1%idon’tiknowitheiclaimiintimationiprocedure.

iiiiii
SecondipartiofiStudyi

SoiinitheisecondipartiofitheistudyiIihaveidoneianalysisionisocialisecurityischemesiofi
differenticountriesibasicallyiofiSouthiAsianicountriesi.
 IihaveicomparediGovernmentischemesiofiSouthiAsianicountriesiwithiAyush
maniBharatilike-
iNationalisocialisecurityistrategyiofiBangladeshi,iSehatiSahulatiProgramiofiP
akistaniandisocialihealthiSecurityischemeiofiNepali.
 iToiknowihowiweicaniimproveiAyushmaniBharatiSchemeioritoiknowithatiwh
ichischemeiisibetteriandiiniwhichiaspects.
 Toiknowimoreiaboutithatihowiothericountriesiareitakingicareiofitheipooripop
ulationibyiinnovativeiideasilikeiofiAyushmaniBharatiSchemeiofiIndia.i
 Anditoiknowihowimuchicontributionitheibeneficiaryihasitoidoitoibeibenefited
ifromitheisocialisecurityischemes.
 Toiknowiaboutitheicoveragesiofferedibyigovernmentiunderitheispecificische
mesiofiSouthiAsianicountriesilikeiofiBangladesh,iPakistaniandiNepal.

7. SOCIALiSECURITYiSCHEMEiOFiOTHERiCOUNT
RIES

1. (Bangladesh)iNationalisocialisecurityistrategyiTheiNSSSiisiaishotiibyitheigove
rnmentiofi(Bangladesh)itoibringicoherenceitoitheinationalisocialisecurity/insu
ranceisystemiwhileialsoidevelopingiailong-
termivisioniThisiformsiaiwideriumbrellaiincorporatingitheigovt.ipovertyiredu
ctionistrategyiwithiimprovingieconomiciconditioniandistrategiesionieducation
 ,ihealth,inutrition,ipopulation,isanitationiandiwaterisystem,ifinancialiinclusion
,ifemalesiandigenderiempowerment,isocialiinclusioniofiethniciandispiritualim
inorities,idisasterimanagementiandisocialisecurity.

2. (Pakistan)iSehatiSahulatiProgrami-
iSehatiSahulatiProgramiisiservingiasimilestoneitowardsiiwelfareireforms;iens
uringithatitheiidentifiediunder-
privilegedicitizensiacrossitheicountryigetiaccessitoitheirientitledimedicalihealt
hicareiiniaismoothiandidignifiedimanneriforitheifamiliesiwhoseiearningiisism
allithani$2iperidayiTheiservicesithatiareiobtainableifromiSehatiInsafiCardiinc
ludesiopeniheartisurgeries,iinsertioniofistents,imanagementioficancer,ineurosu
rgicaliprocedures,iburnimanagement,iaccidentimanagement,idialysis,iintensiv
eicareimanagement,ideliveries,iCisectioniandidifferentimedical/surgicaliproce

dures

3. (Nepal)iSocialihealthisecurityischeme-
isenioricitizeni(agedimoreithani70)icanigetifreeiiinsuranceiservicesiprovidedi
byitheigovernmentiofiNepal.iSenioricitizensicanigetiRsi1lakhiworthifreeihealt
hiinsuranceiservice.iIt'siaivoluntaryiprogramibasedionifamilyicontributions.ii
 AndialsoitheiFamiliesiofiupitoi5imembersihaveitoicontributeiNPRi2,500ieach
iyeariandiNPRi425iperiextraimember.

iii8.iiCONCLUSION

 TheistudyirevealsithatimostiofitheiipeopleiareiawareiaboutiAyushmaniBharati
SchemeiamongitheiareaiofiMayuriVihariphasei3.
 Someipeopleiareinotithatiawareibecauseiofisomeireasonsiwhichiareilikeilacki
ofigoodiadviser,imisconceptioniamongitheipeople,iinadequateipromotioniofith
 eischeme,ilackiofiinterestiamongitheipeopleiforiknowingitheibenefitsiofische
me,iandisomeipeopleithinkithatitheyihaveinoineeditoitakeianyiinsuranceische
meiandisomeipeopleiareicoverediwithiotherischemesiratherithaniAyushmaniB
harat.i
 AmongitheipeopleiIisurveyedi64%ipeopleiareicoverediunderiAyushmaniBhar
atiSchemeiandiamongithoseipeoplei97%ipeopleihaven’ticlaimediamongitheip
olicyi2%ihaveiclaimediandi1%ipeopleievenidon’tiknowihowitoiclaimiunderit
heipolicyi.i
 AndiIialsoiadviseipolicyimakersitoiiadvertiseimoreiaboutitheipolicyitoimakei
peopleimoreiawareiofiit.iAndiIicanisurelyisayithatithereiisiaibrightifutureiofi
AyushmaniBharatiYojnaiibecauseithisipolicyiisigivingibenefititoitheipeopleii
nirealiwayidueitoicashlessiprocedureithereiusiaireliefiamongiallitheipeopleiw
hoiareicoverediunderithisischemeibecauseiallitheiprei-
existingidiseasesiareicoverediwhichimeansithereiisinoiwayitoirejectitheiclaimi
.

iiiiiiiiiiiiiiiiiiiiiiiiiiiAnalysisiofitheiComparison

AsiperitheiAnalysisiofitheistudyiitihasibeeniobservedithatiAyushmaniBharatiisibetter
ithanitheiSocialisecurityischemesiofiSouthiAsianicountriesiasi.
  Sum-iInsuredi-
AyushmanibharatischemeiisiibetterithaniNationalisocialisecurityistrategyiofiB
angladesh,iSehatisahulatiprogramiofiPakistaniandiSocialihealthisecurityische
meiofiNepaliasiiniAyushmanibharatitheiSumiInsurediisiRs.5,00,000
 iSecondaryiandiTertiaryicarei-
iTheischemeicoversimedicaliexpensesiforisecondaryicareiandimostiforitertiar
yicareiprocedures.iAyushmanibharatiinsuranceiincludesipre-i&iipost-
hospitalisationiexpenses.i
 Noineeditoipayipremiumii-
iNoipremiumineediisitoibeipaidibyitheibeneficiariesiforitheiinsuranceicoverib
ecauseigovernmentipaysitheipremiumiasihelpdeskiisialsoibeiprovidediatiallith
eiempanelledihospitalsitoiidentifyitheieligibility,iauthenticateidocuments,iandi
assistiinitheienrolmentiprocess.i
 Paperlessiandicashlessi-
iTheientireiprocessiisipaperlessi&icashlessiinipublicihospitalsianditooiinipriva
teihospitals.i
 Prei–iexistingidiseaseicoveredi-iAndiiniAyushmanibharatischemeiallipre-
existingidiseasesiareicoveredithisimeansiwhoiallirequireimedicalicareiunderit
hisipolicyican’tibeiturnediaway.iThisischemeitendsitoiimproveitheiqualityiofil
ifeiofitheiweakerisectionsiofisocietyiwhoiareiheldibackidrasticallyidueitoiheal
thiissuesithaticanieasilyibeitacklediwithitimelyicareiandifinances.

iiiiiiiiiiii
iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiii9.SUGGESTIONSi
  Suggestioniforitheipolicyimakersiwillibeithatitheyidoisomethingitoicreate
imoreiawarenessiinitheipeopleibyihighlightingitheiadvantageiofihavingit
hisipolicyiandigivingiadvertisementiininewspaperiandithroughiinternetia
dvertisement.

 Governmenticanialsoireachitoitheitargetipopulationibyireceivingiphonein
umbersifromitheibankiaccountiwhomiareireceivingisubsidyiofiiL.P.Gian
ditextingithemiaboutiAyushmaniBharati.iAsitheyiareitheimostineedyiofit
hisipolicy.

iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiii10..ANNEXUREi
QUESTIONNAIRE

1. INCOMEi
(a) 0-3ilakhsi(b)i3-5ilakhsi(c)i5-8ilakhsi(d)i8ilakhsiandimore

2. MARTIALiSTATUSi
(a) Marriediiiiiiiiiiiiiiiiiiii(ib).iUnmarried

3. NUMBERiOFiMEMBERSiINiFAMILY
(a) 3iandilessi(ib)i4ii(c)i5i(d)i6iandimore

4. AWARENESSiABOUTiHEALTHiINSURANCEiPOLICY
(a) High.i(b)imoderate.i(c)ipoori

5. IFiYOURiAWARENESSiISiPOOR,iREASONSiFORiPOORiAWARENESS
(a) Lackiofigoodiadviseri(b)imisconceptioni(c)iinadequateipromotioni(d)ilackiofi
interest.iiiii(e)inoineed.iiii(f)icoverediwithigovernmentischemes

6. IiAMiAWAREiOFiAYUSHMANiBHARATiSCHEMEi
(a) Yes.iiiiiiiiiiiiiiiii(ibi)iNo

7. IiAMiENROLLEDiINiAYUSHMANiBHARATiSCHEME
(a) Yes.iiiiiiiiiiiiiiiiiii(b)iNoi

8. EVERiCLAIMEDiANYiAMOUNTi
(a) Yesiiiiiiiiiiiiiiiiiii(b)iNo.iiiiiiiiiiiii(iC)iDon'tiknowitheiclaimiintimationiproced
ure
iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiii11.REFERENCES

https://www.ncbi.nlm.nih.govi›ipmci›iarticlesi›iPMC5974836
www.ijcm.org.ini›iarticle
https://journals.plos.orgi›iplosmedicinei›