From Policy To Protection: Birla Health Insurance’s Contribution To Ayushman Bharat

Birla Health Insurance is one of the leading insurance providers in India. The company aims to provide affordable and comprehensive health insurance coverage to its customers. In line with its objective, Birla Health Insurance has collaborated with the Ayushman Bharat Scheme, which is one of the largest health insurance schemes in the world. The collaboration has been able to provide the best health insurance policies to a massive population in India who cannot afford advanced medical treatments.

Ayushman Bharat Scheme: An Overview

The Ayushman Bharat Scheme, launched in 2018, is primarily aimed at providing free health care services to the economically weaker sections of the society. The scheme is designed to cover more than 100 million families in India. The coverage includes both primary and secondary healthcare facilities, and the scheme promises to provide financial assistance to the beneficiaries in case of hospitalisation.

The scheme is divided into two components: The Pradhan Mantri Jan Arogya Yojana (PM-JAY) and The Health and Wellness Centre (HWC). The PM-JAY component provides coverage for secondary medical care while the HWC focuses on providing primary healthcare facilities.

Birla Health Insurance’s Contribution to the Ayushman Bharat Scheme

Birla Health Insurance has been instrumental in ensuring that the Ayushman Bharat Scheme reaches its intended beneficiaries through the various policies it offers. The company provides affordable health insurance policies that cover medical treatments and hospitalisation expenses. The policies offered by Birla Health Insurance are tailor-made to suit the needs of the Ayushman Bharat Scheme.

One of the significant contributions of Birla Health Insurance in this regard has been the launch of the ‘Ayushman Bharat Jan Arogya Bima Policy.’ The policy provides coverage of up to Rs. 5 lacs to the beneficiaries of the Ayushman Bharat Scheme. The policy covers hospitalisation expenses, pre and post-hospitalisation expenses, day care procedures, and ambulance charges. The policy also comes with a cashless facility, which means that the beneficiaries do not have to pay any upfront expenses, and the treatment cost is directly paid to the hospital.

Another significant contribution of Birla Health Insurance is its extensive network of hospitals and healthcare providers. The company has tie-ups with more than 6500 hospitals across the country, which offer cashless treatments to the beneficiaries of the Ayushman Bharat Scheme. The network hospitals are spread across the country, and the beneficiaries can avail the treatment facilities without worrying about the expenses.

To ensure that the beneficiaries of the Ayushman Bharat Scheme are aware of the various policies and benefits, Birla Health Insurance has launched ‘Ayushman Mitra’ programme. The programme aims to provide information and assistance to the beneficiaries of the scheme. Under the programme, the company has appointed Ayushman Mitras, who act as intermediaries and help the beneficiaries to navigate through the various policies and procedures.

The Ayushman Mitras are trained professionals who provide counselling services to the beneficiaries and assist them in availing the cashless benefits. The Ayushman Mitras are stationed at the empanelled hospitals, and they help the beneficiaries in the pre-authorisation process for admission to the hospital.

The Impact of Birla Health Insurance’s Contribution to the Ayushman Bharat Scheme

The collaboration of Birla Health Insurance with the Ayushman Bharat Scheme has had a significant impact on the health care ecosystem in India. The primary objective of the Ayushman Bharat Scheme is to provide free and quality healthcare services to the economically weaker sections of the society. The partnership with Birla Health Insurance has made the scheme more accessible and affordable to the beneficiaries.

The launch of the ‘Ayushman Bharat Jan Arogya Bima Policy’ has been a game-changer. The policy provides financial assistance to the beneficiaries in case of hospitalisation, which has reduced the out-of-pocket expenditure of the beneficiaries. The cashless facility provided by the policy has further eased the financial burden on the beneficiaries.

The extensive network of hospitals and healthcare providers has also been an essential factor in the success of the Ayushman Bharat Scheme. The tie-ups with the network hospitals have made it feasible for the beneficiaries to access quality healthcare facilities without worrying about the expenses. The Ayushman Mitra programme has further enabled the beneficiaries to navigate through the various policies and procedures, which has made the scheme more accessible.

Conclusion

The collaboration of Birla Health Insurance with the Ayushman Bharat Scheme has been a significant step towards providing accessible and affordable healthcare services to the economically weaker sections of the society. The launch of various policies and the extensive network of hospitals have made it possible for the beneficiaries to avail quality healthcare facilities without worrying about the expenses.

The Ayushman Bharat Scheme, in collaboration with Birla Health Insurance, has been instrumental in improving the healthcare ecosystem in India. The success of the scheme is evident from the rising number of beneficiaries who are availing the benefits of the scheme. The partnership between Birla Health Insurance and the Ayushman Bharat Scheme can be considered as a benchmark in the healthcare sector, which is a significant step towards achieving universal healthcare coverage in India.