Pradhan Mantri Ayushman Bharat Yojana

Healthcare has emerged to be of prime importance, especially in the midst of a pandemic. It just goes to show how indispensible healthcare really is, and how it should never be underestimated. Bearing that in mind, the government of India was ahead of the curve with the establishment of the Ayushman Bharat scheme, which is primarily a healthcare scheme for those who are financially vulnerable.


The funding for the scheme primarily comes from the Government of India and the costs are shared between the Central government and the state government. The government of India basically earmarks a ceiling amount per family which is used to determine the maximum limit of the share the central government can contribute.

At the moment, the sharing ratio between central and state government stands to be 60:40 for states and Union territories. For Union territories without legislatures, the ratio stands to be 90:10.


Benefits for those in rural areas are categorised under Deprivation Criteria (D1 to D5 and D7). The scheme covers all families who fall under at least one of the six categories.

  • D1 – Only one room with kucha walls and kucha roof
  • D2 – No adult member between ages 16-59
  • D3 – Households with no adult make member in the age group 16-59
  • D4 – Disabled member and no able-bodied adult member
  • D5 – SC/ST households
  • D7 – landless households who generate a major part of their revenue from manual labour

In conclusion

With these provisions in place, the government made it evident about how high it holds healthcare and what schemes are in place for people to benefit from.