Ayushman Bharat - PMJAY
Launched in February 2018, it offers a sum insured of Rs.5 lakh per family for secondary care (which doesn’t involve a super specialist) as well as tertiary care (which involves a super specialist).
Under PMJAY, cashless and paperless access to services are provided to the beneficiaries at the point of service, that is, hospital.
Health Benefit Packages covers surgery, medical and day care treatments, cost of medicines and diagnostics.
Packaged rates (Rates that include everything so that each product or service is not charged for separately).
These are flexible but the hospitals can’t charge the beneficiary more once fixed.
Beneficiaries
It is an entitlement-based scheme that targets the beneficiaries as identified by latest Socio-Economic Caste Census (SECC) data.
Once identified by the database, the beneficiary is considered insured and can walk into any empaneled hospital.
Funding
The funding for the scheme is shared – 60:40 for all states and UTs with their own legislature, 90:10 in Northeast states and Jammu and Kashmir, Himachal and Uttarakhand and 100% Central funding for UTs without legislature.
Nodal Agency
The National Health Authority (NHA) has been constituted as an autonomous entity under the Society Registration Act, 1860 for effective implementation of PM-JAY in alliance with state governments.
The State Health Agency (SHA) is the apex body of the State Government responsible for the implementation of AB PM-JAY in the State.
CAG (Comptroller And Audit General of India)
The Comptroller and Auditor General (CAG) of India is an authority, established by Article 148 of the Constitution of India, which audits all receipts and expenditure of the Government of India and the state governments, including those of bodies and authorities substantially financed by the government.
The reports of the CAG are laid in Parliament/Legislatures and taken into consideration by the Public Accounts Committees (PACs) and Committees on Public Undertakings (COPUs), which are special committees in the Parliament of India and the state legislatures.
The CAG is also the head of the Indian Audit and Accounts Department, the affairs of which are managed by officers of Indian Audit and Accounts Service, and has 43,576 employees across the country.
The CAG is mentioned in the Constitution of India under Article 148 – 151.
The CAG is ranked 9th and enjoys the same status as a judge of Supreme Court of India in Indian order of precedence. The current CAG of India is Shri Girish Chandra Murmu.
Appointment
The Comptroller and Auditor-General of India is appointed by the President of India following a recommendation by the Prime Minister. On appointment, he/she has to make an oath or affirmation before the President of India.
The CAG can be removed only on an address from both houses of parliament on the ground of proved misbehaviour or incapacity. The CAG vacates the office on attaining the age of 65 years or 6 year term, which ever is earlier or by impeachment process.
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