Top Hospitals For Free Medical Treatment Through PMJAY Scheme

AB-PMJAY is a non-contributory cashless family floater health insurance scheme. It covers hospitalization expenses up to 5 lakh per family annually.

PMJAY is implemented through a State-wide database called SECC, which ranks households on the basis of deprivation categories in rural areas and occupation categories in urban areas. This database is also used to identify families eligible for the scheme.

1. KEM Hospital

Known for its high-quality healthcare, KEM Hospital is a part of the Seth GS Medical College and Hospital, founded with a nationalistic spirit with the Latin maxim “Non Sibi Sed Omnibus – Not for Self but for All”. It offers medical treatment to all citizens regardless of age, place or wealth. With 1800 beds and a dedicated team of 550 resident doctors and 390 physicians, the hospital treats 85,000 in-patients and 1.8 million out-patients every year.

The Ayushman Bharat PMJAY scheme provides free hospitalisation coverage for families of up to Rs1.5 lakh per family at empanelled hospitals. This is a great initiative that could significantly boost private hospital capacity in the country, as it will increase demand for services and make them more affordable.

However, this scheme also comes with challenges. For example, it may require hospitals to digitise their records and make them available for PMJAY beneficiaries, which can be a significant challenge for many institutions.

2. Fortis Hospital

Fortis Hospital at Bannerghatta Road, Bengaluru, is one of the most renowned and leading multi-specialty hospitals in India. It has received multiple awards and accreditations for its high quality medical services and healthcare. It has a team of doctors and specialists that work round the clock to offer the best care to its patients.

The PMJAY scheme is a large-scale public–private partnership for financial risk protection of secondary and tertiary hospitalization expenses for poor households in India. It is implemented through state-based PFHI (public–private health insurance) models, including trust model and hybrid model.

Across states, private (for profit) facilities account for the largest share of empanelled facilities, especially in Karnataka, Gujarat, Rajasthan and Uttar Pradesh, which implement the scheme through a trust model. Differences in patterns of empanelment and its impact on service access, utilization, population health and financial risk protection warrant further investigation. The national interoperability feature of the PMJAY scheme is also a key asset, given that India has a huge movement of labourers across states.

3. Max Super Specialty Hospital

Located in Saket, Max Super Specialty Hospital is one of the forward-looking healthcare institutions in the country. The aesthetically designed facility is known for offering high-quality medical treatment. It offers the best of treatments in cardiology, oncology, orthopedics and minimal access surgery.

The facility offers various medical treatments that can be accessed free of cost under the PMJAY scheme. The scheme covers secondary and tertiary care expenses, including doctor consultation charges and ICU charges. It also includes diagnostic tests, X-rays, CT scans and MRIs.

The facility is also known for having Asia’s first and world’s third BrainSUITE technology, which enables medical teams to perform neurosurgeries with MRI. Additionally, the hospital has a number of dedicated clinics for different conditions. These include Women’s Heart Clinic, Multiple Sclerosis (M.S) Clinic, Headache Clinic, Geriatric Neurology Clinic and Movement Disorder Clinic. The hospital’s team of doctors is trained to handle all medical emergencies and has a well-equipped emergency department that operates 24/7.

4. Apollo Hospitals

With its focus on delivering healthcare that is affordable and convenient, Apollo Hospitals has made its mark globally. The chain was founded by Dr Prathap C Reddy and is credited with pioneering private healthcare in India.

It offers free medical treatment through PMJAY Scheme to around 12 crore poor and vulnerable families across the country. The scheme aims to mitigate catastrophic expenditure on hospitalisation costs that push many families into poverty. It provides coverage for secondary and tertiary hospitalisation expenses including ICU charges.

Apollo’s hospitals offer a wide range of treatments and services that include specialized medical and surgical care. The group also operates a network of pharmacies, primary care and diagnostic clinics, retail health models, and telemedicine facilities. All empanelled hospitals need to set up help desks that are staffed with dedicated staff to help beneficiaries. Hospitals are also given incentives to improve their performance in terms of package rates and quality. For instance, hospitals that attain entry level NABH accreditation are paid 10 percent higher than those that don’t.

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