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PMAY | 2018 | Application Process | Pradhan Mantri Awas Yojana

Previously called “Housing for All”, Prime Minister Narendra Modi launched Pradhan Mantri Awas Yojana (PMAY) in 2015 to provide a place to reside for millions of urban poor. The Government has already identified over 2,508 cities and towns across 26 states in the country with an aim to build over 2 million houses.

Pradhan Mantri Awas Yojana (PMAY) can be applied by two categories

  1. MIG, LIG and EWS (Other 3 Components) – The economically weaker sections like MIG, LIG and EWS are considered as beneficiaries under the Housing for All by 2022.
  • Middle Income Group (MIG) – annual income between Rs. 6 lakh and Rs. 18 lakh.
  • Lower Income Group (LIG) – annual income is between Rs.3 lakh and Rs.6 lakh.
  • Economically Weaker Section (EWS) – annual income stands at Rs. 3 lakh.
  1. Slum Dwellers – Slum areas are poorly built residences where 60 to 70 households or approximately 300 people stay. These areas are unhygienic as they lack proper sanitation facility, proper infrastructure and drinking water. People living in these people can apply for the Housing for All by 2022 Scheme under the Pradhan Mantri Awas Yojana.

Applying for PMAY under Other 3 Components Online

  • Visit the official PMAY website http://pmaymis.gov.in/
  • Click on “Citizen Assessment” and select “Benefit under Other 3 Components” from the options.
    PMAY Citizen Assessment Official website
    PMAY Citizen Assessment Official website
  • Enter your Aadhaar number and click submit
    PMAY Aadhaar Form
    PMAY Aadhaar Form
  • If the information’s you provided is correct, it will direct you to the next page and you will be asked to provide information’s which include name, income, no. Of family members, residential address, contact number, age of the head of the family, religion, caste.
  • Once all the information is provided, scroll down, type the captcha code in the box and click submit.

Applying for PMAY by the Slum Dwellers

  • Log on to the official website of PMAY http://pmaymis.gov.in/
  • Click on the “Citizen Assessment” and select “For Slum Dwellers” from the options.
    PMAY Slum Dweller Official website
    PMAY Slum Dweller Official website
  • Enter your Aadhaar number and click on submit.
    PMAY Aadhaar Form
    PMAY Aadhaar Form
  • If the information’s you provided is correct, it will direct you to the next page and you will be asked to provide information’s which include name, income, no. Of family members, residential address, contact number, age of the head of the family, religion, caste.
  • Once all the information is provided, scroll down, type the captcha code in the box and click submit.

Online Application for PMAY through Citizen Service Centre (CSC)

Follow the below steps to apply for PMAY online:

  • Visit the official website of Pradhan Mantri Awas Yojana (PMAY) of Common Service Centers (CSC) https://registration.csc.gov.in/pmay/
  • Click on the “Apply Here” link or directly visit https://registration.csc.gov.in/pmay/RegAuth.aspx
    PMAY Applying procedure Official Website
    PMAY Applying procedure Official Website
  • On this page, enter your Aadhaar number and select the monthly household income, check the declaration box and click “Next” for the next step.
    PMAY Aadhaar Verification
    PMAY Aadhaar Verification
  • In this step, you will be asked to select a verification method, choose one from the Iris (Eye scan), Fingerprint or One Time Password (OTP).
  • Now, check the declaration check box and click on “Generate OTP”. After receiving OTP on the Aadhaar registered mobile number, enter the OTP and click “Validate OTP” button.
  • An application form will be provided on the next page. Fill the required details properly and submit it.
  • Next Screen will show an application number or assessment ID which can be used to check the status of PMAY application

Note: Use IE8 or Mozilla Firefox as Google Chrome or Microsoft Edge Browser are not supported.

You can check the status of your application here http://pmaymis.gov.in/Track_Application_Status.aspx by entering your name, Father’s name and ID Type or by Assessment ID.

PMAY Application Status Tracking PMAY Application Status Tracking
PMAY Application Status Tracking

Pradhan Mantri Sahaj Bijli Har Ghar Yojana (PMSBHGY)

Recently, Prime Minister Shri Narender Modi launched Pradhan Mantri Sahaj Bijli Har Ghar Yojana (PMSBHGY) which aims at providing ‘last mile electricity connectivity to all rural and urban households’.

The main purpose of the scheme is to provide energy access to all households in the country in rural as well as urban areas to meet universal household electrification in the country.

Use of electricity improves quality of life and it plays an important component for the human development and economic growth of the country. First of all, access to electricity decline the use of kerosene which plays and important fuel in the households particularly in the rural areas which results in hazardous emissions thereby access to electricity will save people from health hazards. Also, it is the central to the ability of almost all developed societies to function and enjoy the modern amenities available to them.

According to the Ministry of Power,

The total outlay of the project is Rs. 16, 320 crore while the Gross Budgetary Support (GBS) is Rs. 12,320 crore. The outlay for the rural households is Rs. 14,025 crore while the GBS is Rs. 10,587.50 crore. For the urban households the outlay is Rs. 2,295 crore while GBS is Rs. 1,732.50 crore. The Government of India will provide funds for the Scheme to all States / UTs
.

Beneficiaries of Pradhan Mantri Sahaj Bijli Har Ghar Yojana

Under the Sahaj Bijli Har Ghar Yojana, the beneficiaries for free electricity will identify by using Socio Economic and Caste Census (SECC) 2011 data. Despite that, if any of the household is not covered under SECC, they can also avail the scheme by paying the nominal charges of Rs. 500 which will recover by DISCOM in 10 installments through electricity bill.

For houses located in remote and inaccessible areas where it is not viable to extend grid lines, solar power packs of 200 to 300 Watt and battery back with 5 LED light. 1 DC Fan, 1 DC power plug would provide along with Repair and Maintenance (R and M) facility for 5 years.

Implementation of Pradhan Mantri Sahaj Bijli Har Ghar Yojana

The government have decided to use Mobile app in order to conduct household survey for fast and easy implementation of the scheme. Government will do the identification of the beneficiaries by using Socio Economic and Caste Census (SECC) 2011 data and their application for electricity connection along with their photograph and identity proof and register them on the spot. The Gram Panchayat / Public institutions in the rural areas may be authorized to collect application forms along with complete documentation, distribute bills and collect revenue in consultation with the Panchayat Raj Institutions and Urban Local Bodies.

Note: [The Rural Electrification Corporation Limited (RECL) will remain the nodal agency for the operations for the scheme throughout the country].

Expected outcome of the scheme

The expected outcome of the scheme is as follows:

(a) Environmental up gradation by substitution of Kerosene for lighting purposes

(b) Improvement education services

(c) Better health services

(d) Enhanced connectivity through radio, television, mobiles, etc.

(e) Increased economic activities and jobs

(f) Improved quality of life especially for women

The Government have asked the States and Union Territories to complete the household electrification work by the 31st of December 2018.

FAQs

Last mile connectivity and electricity connection to households

Under the scheme the last mile electricity connections to households, the electricity connection will be provided by drawing a service cable from the nearest electricity pole to the household. In case electricity pole is not available, extra pole will be built and provide conductor and associated accessories.

Along with that Government will install an energy meter and provide wiring for a single light point with LED bulb and a mobile charging point.

Will electricity connection would be free of cost for every un - electrified household?

Yes, under this scheme electricity would be free for every poor un – electrified households. In case an household doesn’t fit in the eligibility criteria, they can pay Rs. 500 to avail the scheme which will be recovered later by power department.

Does the free electricity include free power for consumption?

No, as per prevailing tariff of the power department, the costs of electricity consumption have to be paid by the consumer only.

What are the criteria for allocation of funds to the States?

Projects under the scheme would be sanctioned based on the Detailed Project Reports (DPR) submitted by the States. There is upfront allocation of fund under the scheme.

How many un - electrified households would be covered under Saubhagya?

According to the government reports, about 4 crores un – electrified households would be covered under the scheme. Thus, total of 300 lakh households, 250 lakh households in rural areas, and 50 lakh in urban areas, are expected to be covered under the scheme.

Is there any plan for creating awareness amongst public at large about the Scheme so that more & more people are benefited from the Scheme?

Government of India would take up publicity campaign through Radio, Print Media, Television, Sign Boards etc. Lack of awareness about procedure to get electricity connection including cost of connection, uses of electricity, cost of uses vis – à – vis Kerosene, benefits of using electricity (Direct and Indirect) etc. has been cited as one of the major reasons of slow progress on household electrification in various research studies.

So wide multi – media campaign would be undertaken to make people aware of all aspects the Scheme. The DISCOM officials would also organize camps in rural areas for creating awareness about electricity as well as Saubhagya. School teachers, Gram Panchayat members, local literate / educated youth would also be associated in the awareness campaign.

Ajeevika Grameen Express Yojana (AGEY)

In the Age of the Robots and Space Science, there are still many places in India where there are no proper facilities for transportation, food, health, and shelter. Out of which the Transportation issue is what we are going to discuss today in this article. There are no proper roads, highways, and bridges connected to the rural villages due to which the farmers, women, children etc suffer a lot of issues.

Therefore to improve these conditions the Prime Minister of India Mr. Narendra Modi has introduced a new scheme to develop and improve the transportation facility in the rural areas. The scheme was called as the Pradhan Mantri Gram Parivahan Yojana Scheme.

The Main Objective of the Yojana is to provide subsidies to the rural population to buy passenger vehicles like minivans, small buses etc. Proper roads and other modes of transportation are the strong initiatives for the development. This is a move started by the Government to boost the transportation facilities in the rural places in India.

Recently, the government of India has also launched another sub – scheme under Deendayal Antodaya Yojana – National Rural Livelihood Mission (DAY – NRLM) i.e. “Ajeevika Grameen Express Yojana(AGEY) which is also an extension of Pradhan Mantri Gram Parivahan Yojana.

The objective behind introducing this scheme is to provide means of support for the members of SHGs (Self – help groups) under DAY – NRLM, so that they can run public transport services in backward rural areas, as identified by the States.

It also ensures the empowerment of women by who belong to the self help groups (SHGs) by providing an alternate livelihood by financially helping to operate public transport services in backward rural areas.

And the scheme would be executed in two ways which are as follows:

  1. Interest Free Loan
    • The beneficiary SHG member will be provided an interest free loan by the CBO from its Community Investment Fund up to Rs.6.50 lakh for purchase of the vehicle
    • The members of the self – help group would get a maximum period of 6 years to repay the loan they have taken. And bear all the cost connected with the operation of the vehicle, including annual cost of insurance, road tax, permit cost, maintenance cost and all the running costs of the vehicle.
    • Once the member of the self – help group successfully repays the loan, the ownership of the vehicle will be transferred to the SHG group.
  2. Vehicles on lease
    • Community Based Organization (CBO) will have a possession of a vehicle and then lease it out to a member of the self – help group to run the vehicle and the member shall pay monthly lease rental to the CBO. CBO will also ensure that the lease amount is reasonable so that the cost of the vehicle can be easily recovered from the SHG member over a maximum period of 6 years in the form of lease rental.
    • Also, at the time of recovering the lease rental, no interest is charged on the loan amount.
    • Annual cost of insurance, road tax, permit cost and maintenance cost including replacement of tyres will be borne by the CBO. The maximum funding for such items shall not exceed Rs. 2.00 lakhs per vehicle per CBO for the duration of the scheme from 2017-18 to 2019 – 20
    • The annual cost of the vehicle and routine maintenance (such as fuel, oil, engine oil, servicing etc) shall be borne by the SHG member.

Eligibility Criteria of the beneficiaries for Ajeevika Grameen Express Yojana (AGEY)

To avail the benefits of Ajeevika Grameen Express Yojana (AGEY), the members of the Self Help Group (SHGs) are required to be literate. And also they are required to hold valid commercial driving license in order to drive the vehicle.

Also, if the member of the SHG decides to appoint a driver to operate the vehicle, the salary of the driver should be borne by the SHG member out of earning from the operation of the vehicle.

Key matters of the Scheme

This scheme will be implemented in nearly 250 blocks for a period of over (2017 – 18 to 2019 – 20) with each block provided up to 6 vehicles in order to operate the transport services. However, during the present year i.e. 2017 – 18, the scheme has been approved to nearly 8 blocks such as Andhra Pradesh, Jharkhand, Maharashtra, Tamil Nadu, Telangana, Uttarakhand, and West Bengal.

And these blocks are selected by states from those blocks where National Rural Livelihood Mission (NRLM), which is being implemented intensively and where mature CBOs are already functioning.

Guideline factors in selection of Blocks and Routes

As per the guidelines, the members of the self – help groups are required to operate the vehicle on the approved routes at pre – determined frequency as jointly agreed between the CBO and the SHG operator based on financial viability and the need for transport link.

Also under this scheme, no second hand vehicle is permitted so as to avoid the higher maintenance and operating cost as decided by the government.

In order to ensure the identity, all the vehicles under the scheme shall have a defined colour code and carry “AGEY” branding on the body of the vehicle, which will also help to avoid diversion to other routes.

And the charges per trip will be fixed jointly by the operator and the CBO subject to rules and regulations of the Transport Department of the State Administration.

Ajeevika Grameen Express Yojana (AGEY) if executed properly will bring positive changes in the lives of the women running the self help groups.

Employee Pension Scheme (EPS) | 2018

In India, Government have introduced several savings schemes such as NPS (National Pension Scheme), NSC (National Savings Certificate), PPF (Public Provident Fund), EPF (Employees’ Provident Fund), and EPS (Employees Pension Scheme) etc in order to cultivate savings habits in people.

This article is particularly focused on EPS (Employees Pension Scheme), its eligibility, contribution, calculations and its terms and conditions.

What is Employee Pension Scheme (EPS) 1995

Employees Pension Scheme (EPS) came into being in 1995 by replacing the FMS (Family Pension Scheme) and offering pension on disablement, widow pension, and pension for nominees.

In Employees Pension Scheme (EPS), only those employees are eligible to have an EPS account who is a member of an EPF account. Also, employers divert 8.33% from EPF account to an EPS account. Central Government also contributes 1.16% to an employees’ EPF account.

Also note that interest is not applicable in ones EPS account.

Employees can start receiving their pension from EPS only after the completion of 10 years of service. Employees who have attained 50 years of age are eligible for an early pension and 58 years of age for a regular pension.

Pension under EPS is for all one’s life, which employee himself will receive. And the spouse or children below the age of 25 years will be beneficiaries of the pension.

Availing the Pension

Under EPS, employees pension is divided into two categories:

  • One is for those employees who have joined prior to 15th November 1995 and
  • One for those employees who have joined post this date

Also, an employee becomes eligible for the scheme certificate is by the completion of 10 years of service and can claim the pension after attaining the age of 50 years and 58 years and can continue working but no fresh EPF contributions will be made.

EPS is considered to be a very convenient scheme as it allows withdrawal as long as they have not completed their 10 years of service. Also during the exit, the employee receives the employee and employer EPF contribution and the interest earned on it.

What is the Contribution for Employee Pension Scheme

Read the table below to know the contribution details from the employee and the employer towards EPF, EDLIS and EPS.

Schemes Employee Contribution Employer Contribution
EPF (Employee Provident Fund) 12% 3.67%
EPS (Employees’ Pension Scheme) NIL 8.33%
EDLIS (Employees’ Deposit Linked Insurance) NIL 0.5%
EDLIS administrative charges NIL 0.01%
EPF administration charges NIL 1.1%

How to claim the pension money under Employee Pension Scheme

In case if you have a scheme certificate of pension, you have to fill up Form 10 – D in order to get a regular pension. And if you have more than one scheme certificate, you can directly visit the EPF office and you will be required to attest your Form 10 – D by the bank manager.

In case you don’t have a scheme certificate of pension, which means you have not completed 9.5 years of service, you must claim a pension refund. In this case you are required to fill up Form 10 – C along with EPF withdrawal form and submit it through your employer.

Purpose of Employee Pension Scheme

The purpose of the scheme is to provide

  • Superannuation Pension – This pension is for the subscribers who has completed 20 years of service and retires after attaining the age of 58 years.
  • Retiring Pension – This pension is for the subscribers who have completed 20 years of service and retiring or ceases to be in employment before attaining the age of 58 years.
  • Short Service Pension – This pension is for the subscribers who have rendered 10 or more than 10 years of service.

Terms and Conditions of Employee Pension Scheme

Read the below mention steps to know the terms and conditions of EPS:

  • To have an EPS account, an employee cannot have more than one EPF account
  • An employee falls from the eligibility criteria once they turns 50 years old
  • An employee is required to complete minimum of 10 years of service in order to avail EPS scheme
  • Government contribution towards EPS account cannot be more than 1.16% of Rs 174.ss

Required Forms in Employees Pension Scheme

Read below to know about the Forms which an employee is required to fill and submit in order to avail different benefits under EPS

  1. Forms 10 C – Form 10 C is required to be filled by a beneficiary or a member to avail withdrawal benefits and scheme certificate.
  2. Form 10 D – Form 10 D is required to be filled by a member to avail pension after 58 years of age, also to avail pension before 58 years of age but after turning 50. Also to get a disability pension.
  3. Form 10 D – Another Form 10 D is meant to avail nominee or dependent pension or to avail family pension and also to avail children and orphan pension.
  4. Life Certificate – Pension beneficiaries are required to submit it life certificate every November to the manager of pension disbursing banks.
  5. Non – Remarriage Certificate – Widows are required to submit non – remarriage certificate every year to the manager of pension disbursing banks.

Read below to know the list of Nationalised Banks in which provision has been made for the retired employees drawing pension under Employees’ Provident Fund Organisation (EPFO)

S.No. EPFO Regional Office Pension Disbursing Banks
1 Delhi (North) PNB, SBI, IB, UBI,  HDFC, ICICI, AXIS
2 Delhi (South) PNB, SBI, IB, UBI,  HDFC, ICICI, AXIS
3 Dehradun PNB, SBI
4 Gurgaon PNB, SBI, HDFC, ICICI, AXIS
5 Faridabad PNB, SBI, HDFC, ICICI, AXIS
6 Jaipur PNB, Thar Gramin Bank, HDFC, ICICI, AXIS, SBBJ
7 Shimla PNB, SBI, AXIS
8 Ludhiana PNB, SBI, HDFC, AXIS
9 Chandigarh PNB, SBI, HDFC, AXIS, ICICI
10 Bihar PNB, BOI, HDFC
11 Meerut PNB, SBI
12 Kanpur PNB, SBI, HDFC, ICICI, AXIS
13 Hyderabad SBI, UBI, AB, HDFC, AXIS, ICICI
14 Guntur SBI, AB, HDFC, AXIS, ICICI
15 Nizamabad SBI, SY. BANK, Gramin BANK, UBI, AB, AXIS
16 Bhuvneshwer SBI, BOI, UCO Bank, HDFC, AXIS, ICICI
17 Bangalore SBI, CANARA, SY. BANK, CORP. BANK, VIJAYA BANK, HDFC, AXIS, ICICI
18 Goa SBI, BOI, HDFC
19 Gulbarga SBI, CANARA, SY. BANK, ICICI,CORP. BANK
20 Mangalore SBI, CANARA, SY. BANK, CORP. BANK, VIJAYA BANK, AXIS
21 Peenya SBI, CANARA BANK, SY. BANK, CORP. BANK, HDFC, AXIS, ICICI
22 Coimbatore SBI, IB, IOB, HDFC, AXIS, ICICI
23 Kerala PNB, SBI, IB, IOB, CANARA, SY. BANK, FED.BANK, HDFC, AXIS, ICICI, North Malabar Gramin Bank, SBT
24 Madurai SBI, IB, IOB, HDFC, AXIS, ICICI
25 Tambram SBI, IB, IOB, HDFC, AXIS, ICICI
26 Chennai SBI, IB, IOB, HDFC, AXIS, ICICI
27 Ranchi PNB, BOI, UBI, HDFC, AXIS, ICICI
28 Jalpaiguri SBI, UBI, UCO, CBI, UBKG BANK
29 Kolkata PNB, UBI, HDFC, AXIS,ICICI
30 Guwahati SBI, HDFC, AXIS, ICICI
31 Raipur PNB, SBI, HDFC, AXIS, ICICI, CBI,
32 Bandra PNB, SBI, BOI, HDFC, AXIS, ICICI, BOM, IB
33 Thane PNB, SBI, BOI, HDFC, AXIS, ICICI
34 Kandivali PNB, SBI, BOI, HDFC, AXIS,ICICI
35 Pune PNB, SBI, BOI, HDFC, AXIS, ICICI, BOM
36 Nagpur PNB, SBI, BOI, HDFC, AXIS, ICICI
37 Ahmadabad SBI, DENA, HDFC
38 Surat SBI, DENA, HDFC, AXIS, ICICI
39 Vadodara SBI, DENA, HDFC
40 Indore PNB, SBI, HDFC, AXIS, ICICI

 

प्रधानमंत्री जन आरोग्य योजना (आयुष्मान) हेल्थकेयर स्कीम

प्रधानमंत्री जन आरोग्य योजना: पीएम मोदी ने दुनिया की सबसे बड़ी हेल्थकेयर स्कीम ‘आयुष्मान भारत योजना 2018’ का लोकार्पण रांची में रविवार को कर दिया है। जिसके जरिए 50 करोड़ भारतीयों को लाभ मिलने का हवाला एनडीए सरकार द्वारा दिया जा रहा है। प्रधानमंत्री आयुष्मान भारत योजना, देश के 29 राज्यों और केंद्र शासित प्रदेशों के 445 जिलों के लोगों को लाभान्वित करेगी। फिलहाल अभी इस योजना को दिल्ली, केरल, ओडिशा, पंजाब और तेलंगाना में लागू नहीं किया जा रहा है।

प्रधानमंत्री जन आरोग्य योजना से जुड़ी खास बातें

  1. आयुष्मान भारत योजना का लक्ष्य खासकर निम्न और निम्न मध्यम वर्ग के परिवारों को महंगे मेडिकल बिल से निजात दिलाने के लिए लाया गया है।
  2. प्रधानमंत्री आयुष्मान भारत योजना के दायरे में गरीब, वंचित ग्रामीण परिवार और शहरी श्रमिकों की पेशेवर श्रेणियों को रखा गया है।
  3. आयुष्मान योजना में गांवों के 8.03 करोड़ और शहरों के 2.33 करोड़ परिवारों को शामिल किया गया है।
  4. सरकार की इस हेल्थकेयर योजना के जरिए प्रत्येक परिवार को सालाना 5 लाख रुपये की कवरेज दी जाएगी और वे सरकारी या निजी अस्पताल में कैशलेस इलाज करा सकेंगे।
  5. देश के करीब 10 हजार अस्पतालों में 2.5 लाख से ज्यादा बेड गरीबों के लिए रिजर्व रखे जाएंगे।

प्रधानमंत्री जन आरोग्य योजना 2018 में कुल खर्च

पीएम मोदी के इस महत्वाकांक्षी योजना में 12000 करोड़ का खर्च आने का अनुमान है। योजना में आने वाले सभी खर्च का वहन केंद्र और राज्य की सरकार को मिलकर करना है। केंद्र सरकार आयुष्मान भारत योजना में जहां कुल खर्च का 60 फीसदी खर्च करेगी, वहीं राज्य की सरकार 40 फीसदी भार वहन करेगी। अर्थशास्त्रियों का मानना है कि पीएम आयुष्मान स्वास्थ्य योजना से मौजूदा वित्त वर्ष में 3500 करोड़ रुपये का भार पड़ेगा।

कोई शिकायत हो तो आयुष्मान मित्र से करें संपर्क

वेबसाइट पर आपका नाम नहीं है तो नजदीकी सरकारी या योजना में शामिल निजी अस्पताल से संपर्क कर सकते हैं। यहां आपकी मदद के लिए सरकार ने आयुष्मान मित्र/आरोग्य मित्र तैनात किये हैं। उनसे योजना से जुड़ी हर छोटी-बड़ी जानकारी ली जा सकती है।

प्रधानमंत्री जन आरोग्य योजना का अस्पताल में ऐसे ले सकते हैं लाभ

अगर आप योजना में शामिल हैं और इसका लाभ लेना चाहते हैं यह बहुत आसान है। आपको योजना में शामिल अस्पताल के आयुष्मान मित्र या आयुष्मान मित्र हेल्प डेस्क से संपर्क करना होगा। वहां आपको पहचान पत्र जैसे दस्तावेज दिखाने होंगे। इसके लिए आधार कार्ड, मतदाता पहचान पत्र या राशन कार्ड की जरूरत पड़ेगी। ध्यान रहे आधार कार्ड की कोई अनिवार्यता नहीं है। इलाज के लिए आपको एक पैसे भी नहीं देना होगा।

इन 5 राज्यों ने मोदी सरकार की आयुष्मान भारत योजना को लागू करने से किया इनकार

पीएम मोदी की महत्वाकांक्षी स्वास्थ्य योजना आयुष्मान भारत को 5 राज्यों ने अस्वीकार कर दिया है। जिन 5 राज्यों ने आयुष्मान भारत को अस्वीकार किया है वे हैं ओडिशा, तेलंगाना, दिल्ली, केरल और पंजाब। इन राज्यों ने योजना को अस्वीकार करने के पीछे उन्होंने अलग-अलग कारण दिए हैं। किसी का कहना है कि उसके पास आयुष्मान भारत से बेहतर स्वास्थ्य योजना है। वहीं, किसी ने केंद्र की योजना से असहमति जताते हुए उसे अस्वीकार कर दिया है। इन 5 राज्यों का कहना है कि जब तक इस योजना के संबंध में उनकी चिंताओं पर ध्यान नहीं दिया जाता, तब तक वे इसे लागू नहीं करेंगे।

आखिर आयुष्मान भारत योजना के लागू होते ही क्यों होने लगी आलोचना?

केरल ने आयुष्मान भारत योजना की आलोचना की है। इंडियन एक्सप्रेस को दिए इंटरव्यू में केरल के गृह मंत्री थॉमस इसाक ने योजना के औचित्य पर सवाल उठाते हुए इसे बड़ी धोखेबाजी है। इसाक ने कहा कि मोदी सरकार कैसे इतने बड़े स्तर की योजना को लागू करेगी। उन्होंने कहा, ‘राष्ट्रीय स्वास्थ्य बीमा योजना के तहत 30,000 रुपये मिलते हैं जिसके लिए सालाना 1,250 रुपये देने होते हैं। आयुष्मान भारत में 1,110 रुपये के सालाना प्रीमियम में 5 लाख रुपये का हेल्थ कवर मिलेगा। क्या इतने कम प्रीमियम पर यह लाभ देना संभव है?’उधर, तेलंगाना ने अपनी आरोग्यश्री योजना की वजह से केंद्र की योजना को खारिज कर दिया है।

आरोग्यश्री योजना के तहत तेलंगाना के 70 प्रतिशत नागरिकों को हेल्थ कवर मिलता है, जबकि आयुष्मान भारत से केवल राज्य 80 लाख लोग लाभान्वित होते। तेलंगाना सरकार को यह भी लगता है कि आयुष्मान भारत योजना के कवर पर प्रधानमंत्री नरेंद्र मोदी की तस्वीर है जिससे आम चुनाव के समय भाजपा को ज्यादा लोकप्रियता मिलेगी। वहीं, दिल्ली में आयुष्मान भारत योजना से असहमति जताने की वजह ये है कि पीएम आरोग्य योजना से दिल्ली के 6 लाख परिवारों को फायदा मिलता जो यहां की जनसंख्या का मात्र 3 प्रतिशत है।

आयुष्मान भारत योजना की 5 बड़ी चुनौतियां

  1. योजना पर खर्च बड़ी चुनौती- आयुष्मान भारत योजना को राज्यों को साथ लिए बिना लागू नहीं की जा सकती। योजना पर होने वाले खर्च में राज्य भी भागीदार हैं। आयुष्मान में होने वाले खर्च का 60 फीसदी हिस्सा केंद्र उठाएगी, जबकि 40 फीसदी हिस्सेदारी राज्यों की होगी. जबकि, उत्तर पूर्वी और पहाड़ी राज्यों मसलन, जम्मू-कश्मीर, हिमाचल और उत्तराखंड जैसे राज्यों में केंद्र की हिस्सेदारी 90 फीसदी की होगी.
  2. खर्च को कंट्रोल करना बड़ा चैलेंज – लाभार्थी, बीमा कंपनी, निजी अस्पताल, डॉक्टर्स आदि 50 करोड़ लोगों को बीमा मुहैया कराने के लिए सरकार के सामने बड़ी चुनौती लागत को कम रखने की होगी।
  3. निजी अस्पताल अभी भी सहमत नहीं- आयुष्मान भारत की राह में सबसे बड़ी चुनौती यह है कि निजी अस्पताल सरकार की ओर से विभिन्न बीमारियों के इलाज के लिए तय की गई दरों पर सहमत नहीं हैं।
  4. सही लाभार्थियों की पहचान बड़ी चुनौती- एक ही नाम के कई लाभार्थी, नाम की स्पेलिंग में अंतर, ऐसी कई चीजें हैं, जो सही व्यक्ति की पहचान में दिक्कत पैदा करती हैं।
  5. हेल्थ ऐंड वेलनेस सेंटर के भरोसे है आषुष्मान भारत योजना- नेशनल हेल्थ प्रोटेक्शन स्कीम की सफलता हेल्थ ऐंड वेलनेस सेंटर पर टिकी है और अभी आजादी के 7 दशक बाद भी वेलनेस सेंटर की स्थिति किसी से छिपी नहीं है।

प्रधानमंत्री जन आरोग्य योजना (PMJAY) में आप शामिल हैं कि नहीं, ऐसे करें चेक

योजना में आप शामिल (आयुष्मान भारत योजना रजिस्ट्रेशन) हैं या नहीं, यह पता करना बहुत आसान है। नीचे दिए गए स्टेप्स को फॉलो करके आप अपनी आयुष्मान योजना में पात्रता जान सकेंगे।

  1. सबसे पहले आयुष्मान भारत की ऑफिशियल वेबसाइट mera.pmjay.gov.in खोलें।
  2. होमपेज पर आपको अपना मोबाइल नंबर डालना होगा।
  3. अब आपके नंबर पर एक ओटीपी आएगा।
  4. इस वन टाइम पासवर्ड को वेबसाइट पर डालकर वेरीफाई करने के बाद एक पेज खुलेगा।
  5. जहां आप देख सकते हैं कि आप योजना में शामिल हैं या नहीं।
  6. आयुष्मान भारत योजना में शामिल करीब 10 हजार अस्पतालों में 13 सौ से ज्यादा बीमारियों और इससे संबंधित पैकेज को इलाज में शामिल किया गया है।
  7. पात्र व्यक्ति पीएम आयुष्मान भारत योजना से कैंसर की सर्जरी, हार्ट की बाइपास सर्जरी, आंख-दांत का ऑपरेशन, सीटी स्कैन, एमआरआई जैसी तमाम बीमारियों का निशुल्क इलाज करवा सकेंगा।
  8. अगर आयुष्मान भारत योजना से जुड़ी किसी भी प्रकार की जानकारी चाहिए तो सरकार द्वारा जारी किए गए हेल्पलाइन नंबर 14555 पर कॉल करें।

क्या आर्थिक रूप से व्यावहारिक है आयुष्मान भारत स्वास्थ्य बीमा योजना

सरकार अस्पताल को सीजीएचएस से तय किए हुए रेट से 15 फीसदी कम रेट देगी। सीजीएचएस में प्राइवेट वार्ड का प्रावधान है और प्रधानमंत्री जन आरोग्य योजना में जनरल वार्ड का। हां, जो अस्पताल एनएबीएचएल से मान्यता प्राप्त होंगे, उन्हें 10 फीसदी ज्यादा राशि दी जाएगी। दरअसल एनएबीएचएल से मान्यता प्राप्त लैब रिपोर्ट की मान्यता दुनियाभर में हैं और इस रिपोर्ट की विश्वसनीयता और प्रमाणिकता देश ही नहीं विदेशों में भी है। इतना ही नहीं सरकार रिपोर्ट एरियाज में अस्पताल खोलने को बढ़ावा देने के लिए तय राशि से 10 फीसदी ज्यादा देगी।

प्रधानमंत्री जन आरोग्य योजना से जुड़कर हर महीने कमाएं 90 हजार रूपए

आयुष्मान योजना (पीएम हेल्थ इंश्योरेंस स्कीम) में तकरीबन 10 करोड़ परिवारों का 5 लाख रुपये सालाना का स्वास्थ्य बीमा कराया जायेगा। साथ ही इस योजना से 1 लाख लोगों को रोजगार मिलेगा। इस योजना के तहत सरकार जन-धन योजना की तरह ही आयुष्मान मित्र बनाएगी। स्वास्थ्य मित्र ठीक उसी तरह होंगे जैसे जनधन योजना में बैंक मित्र लोगों का खाता खुलवाने के साथ-साथ बैंकिंग ट्रांजैक्शन कराते हैं।