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Apka Dwar Ayushman: A Complete Guide to India's National Health Insurance Program



What is Apka Dwar Ayushman?




Apka Dwar Ayushman is a nationwide campaign launched by the National Health Authority (NHA) on February 1, 2021, to verify and enroll eligible beneficiaries under the Pradhan Mantri Jan Arogya Yojana (PM-JAY) or Ayushman Bharat scheme. PM-JAY is a flagship health insurance scheme that provides free secondary and tertiary care to over 10 crore poor and vulnerable families in India.




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The main objective of Apka Dwar Ayushman is to create awareness and mobilize beneficiaries about PM-JAY and its benefits, especially in remote and rural areas. The initiative also aims to ensure that no eligible beneficiary is left out of the scheme due to lack of information or identification documents.


How does Apka Dwar Ayushman work?




Apka Dwar Ayushman works through a network of volunteers, health workers, and officials who visit households and public places to verify and enroll beneficiaries using a mobile application called Beneficiary Identification System (BIS). The BIS app allows the volunteers to scan the Aadhaar card or ration card of the beneficiary and check their eligibility status. If the beneficiary is found eligible, they are issued an e-card or a physical card that enables them to access free healthcare services at any empanelled hospital under PM-JAY.


The verification and enrollment process is simple and quick, taking only a few minutes per beneficiary. The volunteers also educate the beneficiaries about PM-JAY and its features, such as cashless treatment, portability, and grievance redressal. The volunteers also collect feedback from the beneficiaries and report any issues or challenges faced by them.


What are the benefits of Apka Dwar Ayushman?




Apka Dwar Ayushman has several benefits for both the beneficiaries and the scheme. Some of these benefits are:


  • It increases the coverage and utilization of PM-JAY by reaching out to the unreached and underserved segments of the population.



  • It empowers the beneficiaries by providing them with information and choice about their health entitlements and options.



  • It reduces the barriers and hassles faced by the beneficiaries in accessing quality healthcare services, such as lack of awareness, identification, or transportation.



  • It improves the efficiency and transparency of PM-JAY by reducing fraud, duplication, and leakage.



  • It enhances the trust and satisfaction of the beneficiaries with PM-JAY and its service providers.



  • It creates a positive social impact by improving the health outcomes and well-being of the beneficiaries and their families.



Who are the stakeholders of Apka Dwar Ayushman?




Apka Dwar Ayushman involves multiple stakeholders who play different roles and responsibilities in its implementation. Some of these stakeholders are:


  • The National Health Authority (NHA) is the apex body that oversees and coordinates Apka Dwar Ayushman at the national level. It provides guidance, support, training, monitoring, and evaluation to all other stakeholders.



  • The State Health Agencies (SHAs) are responsible for implementing Apka Dwar Ayushman at the state level. They recruit, train, deploy, supervise, and incentivize volunteers for verification and enrollment activities. They also collaborate with other state departments, district administrations, local bodies, NGOs, and media partners for awareness and mobilization activities.



  • The volunteers are the frontline workers who conduct verification and enrollment activities at the household and community level. They are selected from various backgrounds, such as ASHA workers, Anganwadi workers, PM-JAY Arogya Mitras, NSS/NCC cadets, SHG members, etc. They are trained and equipped with the BIS app and other materials to carry out their tasks.



  • The beneficiaries are the target group of Apka Dwar Ayushman who are eligible for PM-JAY. They are identified based on the Socio-Economic Caste Census (SECC) 2011 data or other criteria specified by the state governments. They are verified and enrolled by the volunteers and issued e-cards or physical cards to avail free healthcare services under PM-JAY.



  • The empanelled hospitals are the service providers who offer quality healthcare services to the beneficiaries under PM-JAY. They are accredited and contracted by the SHAs and follow the guidelines and protocols of PM-JAY. They accept the e-cards or physical cards of the beneficiaries and provide cashless treatment to them.



What are the challenges and opportunities of Apka Dwar Ayushman?




Apka Dwar Ayushman is a novel and ambitious initiative that faces several challenges and opportunities in its implementation. Some of these are:


  • One of the major challenges is to reach out to the large and diverse population of India, especially in remote and rural areas, where internet connectivity, literacy, and awareness are low. The initiative requires a massive mobilization of resources, manpower, and technology to cover every eligible beneficiary in every corner of the country.



  • Another challenge is to ensure the quality and accuracy of verification and enrollment activities, as well as the security and privacy of beneficiary data. The initiative relies on the BIS app, which may face technical glitches, errors, or misuse. The initiative also needs to safeguard the data of beneficiaries from unauthorized access or leakage.



  • A third challenge is to ensure the sustainability and scalability of Apka Dwar Ayushman, as well as its integration with other health schemes and programs. The initiative needs to maintain a regular flow of funds, incentives, and feedback to keep the volunteers motivated and engaged. The initiative also needs to coordinate with other health schemes and programs, such as PM-JAY 2.0, National Digital Health Mission (NDHM), etc., to avoid duplication and confusion.



  • On the other hand, one of the major opportunities is to leverage the existing infrastructure, network, and goodwill of PM-JAY and other health schemes and programs. The initiative can build on the success and learnings of PM-JAY and other health schemes and programs, such as Ayushman Bharat Health and Wellness Centres (AB-HWCs), Rashtriya Swasthya Bima Yojana (RSBY), etc., to enhance its reach and impact.



  • Another opportunity is to harness the potential of digital technology, social media, and community participation to create awareness and demand for Apka Dwar Ayushman. The initiative can use various digital platforms, such as websites, mobile apps, SMS, IVR, etc., to disseminate information and feedback about Apka Dwar Ayushman. The initiative can also use social media platforms, such as Facebook, Twitter, YouTube, etc., to create buzz and engagement about Apka Dwar Ayushman. The initiative can also involve community leaders, influencers, celebrities, etc., to endorse and promote Apka Dwar Ayushman.



  • A third opportunity is to create a positive social impact by improving the health outcomes and well-being of millions of poor and vulnerable people in India. The initiative can contribute to reducing out-of-pocket expenditure, catastrophic health expenditure, and impoverishment due to health shocks, as well as improving access, quality, and equity of healthcare services for the beneficiaries. The initiative can also support the achievement of the Sustainable Development Goals (SDGs), especially SDG 3 (Good Health and Well-being) and SDG 1 (No Poverty).



How to get involved in Apka Dwar Ayushman?




Apka Dwar Ayushman is a people-centric and participatory initiative that welcomes and encourages the involvement of various stakeholders. There are different ways to get involved in Apka Dwar Ayushman, depending on your interest and capacity. Some of these ways are:


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apka darwaza aapke liye (your door for you)


aapke darwaze par swasthya (health at your doorstep)


aapke darwaze se aayushmaan bharat (ayushmaan bharat from your door)


aapke darwaze ki taraf se nishulk ilaaj (free treatment from your door)


aapke darwaze se beemaari ka ant (end of disease from your door)


aapke darwaze se swasthya suraksha (health security from your door)


aapke darwaze se jeevan raksha (life protection from your door)


aapke darwaze se suvidha aur sahuliyat (convenience and ease from your door)


aapke darwaze se vishwas aur vikas (trust and development from your door)


aapke darwaze se swasthya shiksha (health education from your door)


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aapke darwaze se swasthya samachar (health news from your door)


aapke darwaze se swasthya sandesh (health message from your door)


  • If you are a beneficiary, you can verify and enroll yourself and your family members under PM-JAY by contacting the nearest volunteer or visiting the nearest AB-HWC or empanelled hospital. You can also spread the word about Apka Dwar Ayushman among your friends, relatives, and neighbors, and help them get verified and enrolled.



  • If you are a volunteer, you can register yourself with the SHA of your state and undergo the training and orientation program for Apka Dwar Ayushman. You can then conduct verification and enrollment activities in your assigned area using the BIS app. You can also provide feedback and suggestions to improve the initiative.



  • If you are a partner, you can collaborate with the NHA or SHA of your state and offer your support and expertise in various aspects of Apka Dwar Ayushman, such as awareness generation, beneficiary mobilization, volunteer management, data analysis, etc. You can also share your best practices and learnings with other partners.



Conclusion




Apka Dwar Ayushman is a landmark initiative that aims to ensure universal health coverage for the poor and vulnerable people in India. It is a unique example of how digital technology, social mobilization, and community participation can transform the health sector and create a positive social impact. Apka Dwar Ayushman is not just a scheme, but a movement that empowers the beneficiaries to access their health entitlements and improve their health outcomes and well-being.


If you want to know more about Apka Dwar Ayushman or PM-JAY, you can visit their official websites or call their toll-free helpline numbers . You can also follow their social media handles to get the latest updates and information about the initiative.


Apka Dwar Ayushman is a golden opportunity for you to join the mission of providing health for all. Don't miss this chance to be a part of this historic initiative. Verify and enroll yourself today and help others do the same. Remember, health is wealth, and Apka Dwar Ayushman is your door to health.


FAQs




  • Q: How can I check my eligibility for PM-JAY?



  • A: You can check your eligibility for PM-JAY by visiting the official website or calling the toll-free helpline number. You can also use the BIS app or visit the nearest AB-HWC or empanelled hospital to verify your eligibility.



  • Q: What documents do I need to verify and enroll under PM-JAY?



  • A: You need to have either an Aadhaar card or a ration card to verify and enroll under PM-JAY. If you don't have either of these documents, you can contact the nearest volunteer or AB-HWC or empanelled hospital for assistance.



  • Q: Where can I avail free healthcare services under PM-JAY?



  • A: You can avail free healthcare services under PM-JAY at any empanelled hospital across India. You can find the list of empanelled hospitals on the official website or by calling the toll-free helpline number. You can also use the BIS app or visit the nearest AB-HWC or empanelled hospital to locate an empanelled hospital near you.



  • Q: What kind of healthcare services are covered under PM-JAY?



  • A: PM-JAY covers more than 1500 medical packages across 23 specialties, including cardiology, neurology, oncology, orthopedics, etc. The packages include consultation, diagnostics, medicines, procedures, hospitalization, follow-up, etc. The packages are fixed and standardized across India.



  • Q: How can I provide feedback or lodge a complaint about Apka Dwar Ayushman or PM-JAY?



  • A: You can provide feedback or lodge a complaint about Apka Dwar Ayushman or PM-JAY by calling the toll-free helpline numbers or by visiting the official website or the BIS app. You can also contact the nearest volunteer or AB-HWC or empanelled hospital for help. Your feedback and complaints are valuable and will be addressed promptly and effectively.



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