The Economic Survey 2020-21 said the Pradhan Mantri Jan Arogya Yojana (PM-JAY) is being used for high frequency but low-cost care such as dialysis.
PMJAY is a fully-funded government health insurance scheme that provides Rs 5 lakh medical insurance coverage per year for 107.4 million families identified as per the Socio-Economic Caste Census 2011.
The survey said PM-JAY enhanced health insurance coverage. Across all the states, it said the proportion of households with health insurance increased by 54 percent for the states that implemented PM-JAY while falling by 10 percent in states that did not.
Similarly, the proportion of households that had health insurance increased in Bihar, Assam and Sikkim from 2015-16 to 2019-20 by 89 percent. It added that this figure decreased by 12 percent in West Bengal that did not implement PM-JAY.