The National Health Authority (NHA), as the driving force behind India’s flagship public health insurance scheme Ayushman Bharat Pradhan Mantri Jan Arogya Yojana plays an instrumental role in providing financial cover of up to 5 Lakhs rupees per family per year for secondary and tertiary healthcare. The beneficiary NHA stands as a beacon of hope for low-income families in the country.
Understanding the Beneficiary NHA
One might wonder: who is eligible to become a beneficiary NHA? With healthcare being a fundamental human right, it’s imperative to break down the comfort barriers and ensure that every citizen, irrespective of their socio-economic status, has access to adequate health facilities. To qualify as a beneficiary under the NHA, family factors, socio-economic conditions, occupational hazards, and demographic factors are all considered.
In rural areas, families who have only one room with kucha walls and kucha roof, families with no adult member between the ages 16 to 59, female-headed families with no adult male member between the ages 16 to 59, families having at least one disabled member and no able-bodied adult member, Scheduled Caste and Scheduled Tribe households, and landless households deriving the major part of their income from manual casual labour are covered.
Similarly, criteria for urban households include families living in only one room or kucha room with kucha roof, families having no adult member between the ages 16 to 59, female-headed families with no adult male member between the ages 16 to 59, families having at least one disabled member and no able-bodied adult member, and families with no able-bodied adult between the ages 16 to 59.
The Body Mass Index (BMI) calculator is a progressive tool used extensively by the NHA to assess health risks associated with being overweight or underweight. It’s one useful measure of the eligibility criteria. This secondary, yet crucial tool helps in ascertaining the inclusion eligibility of potential beneficiaries.
The Role of Body Mass Index Calculator
The Body Mass Index Calculator is a commonly used tool that helps determine whether you are underweight, overweight, or have an ideal body weight as per your height. This offers vital insights into a person’s health status, including potential risks for diseases like heart disorders, diabetes, etc. By following a simple formula of weight in kilograms divided by the square of height in meters, the calculator provides your BMI. Categorizations are as follows: underweight is below 18.5, normal weight is 18.5 to 24.9, overweight shows as 25 to 29.9, and obesity is 30 or higher.
Though not directly associated as a determining factor for the beneficiary NHA, the Body Mass Index calculator gives recognition to the existing or potential health issues. These issues need to be addressed within the beneficiaries under the NHA scheme and play a constructive role in assessing the economic fallout people might undergo due to them.
Structure of Financial Protection
The financial protection offered by the NHA acknowledges the plight that low-income families in India often face when a health emergency arises. They are either unable to pay hospital expenses or end up facing catastrophic expenditures draining their savings, selling assets or incurring hefty debts. With the financial backing offered by the NHA, this vulnerable group can seek help without concerns about the financial implications.
Note: The National Health Authority (NHA), as the driving force behind India’s flagship public health insurance scheme Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, plays an instrumental role in providing a financial cover of up to 5 Lakhs rupees per family per year for secondary and tertiary healthcare.
The beneficiary NHA stands as a beacon of hope for low-income families in the country. For added convenience and financial management, consider downloading the Bajaj Finserv app.
Final Thoughts
Though the COVID-19 pandemic has paved the way for a heightened awareness about health and the need for suitable health insurance, a vast population of low-income families in India still remain unprotected. The NHA, with its mission to alleviate the financial load on the underprivileged, is steadily ensuring universal health coverage. It does so by incorporating tools like the Body Mass Index Calculator to tackle health-related issues head-on and bridge the protection gap for the needy in India’s healthcare landscape.
As a beneficiary under the NHA, you do not only secure yourself but also empower your family’s future, thereby reinforcing a robust health ecosystem for all. A better understanding and knowledge of these eligibility norms would go a long way in ensuring optimal utilization of this rightful benefit provided by the government.