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Q44 (CDS-II/2026) Economy › Schemes, Inclusion & Social Sector

With reference to Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, which of the following statements is/are correct ?
1. It provides health insurance coverage to vulnerable families
2. It covers both secondary and tertiary care hospitalization
3. It is applicable to all citizens irrespective of income
Select the answer using the code given below :

Result
Your answer: —  ·  Correct: C

Explanation

Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is a flagship scheme of the Government of India. Statement 1 is correct: It provides a health cover of ₹5 lakh per family per year to over 12 crore poor and vulnerable families, identified based on the Socio-Economic Caste Census (SECC) 2011. Statement 2 is correct: The scheme provides cashless and paperless access to services for the beneficiary at the point of service in any empanelled public or private hospital, covering both secondary and tertiary care hospitalizations. Statement 3 is incorrect: PMJAY is not a universal scheme for all citizens. It is an entitlement-based scheme specifically targeting the bottom 40% of the population based on deprivation and occupational criteria. Although the government recently expanded coverage to all senior citizens aged 70+ regardless of income, the scheme as a whole remains targeted rather than universal.

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