Pradhan Mantri Jan Arogya Yojana (PMJAY): A Study on Awareness among People in Lucknow

Purpose: This study aims to assess the level of awareness about the Pradhan Mantri Jan Arogya Yojana (PMJAY) among residents of Lucknow. It also assesses the associations between different demographic variables and level of awareness. By understanding public knowledge and perception, the research seeks to identify gaps in awareness, contributing factors, and potential barriers, ultimately guiding effective outreach and improved healthcare access through PMJAY. It is a government health scheme launched in 2018 to provide free health insurance up to ₹5 lakh per year for low-income families. Covering millions, it offers cashless treatment for serious health issues at both public and private hospitals, aiming to reduce financial strain and improve healthcare access for India’s vulnerable populations. Methodology: The study is purely based on primary data collected through a structured questionnaire, which was divided into two parts. Part A collected general information about the respondents, while Part B focused on inquiries specific to the research study. The collected data was then analyzed using the chi-square test and the mean value of the questions. 136 respondents responded to the questionnaire. Result: Respondents were aware of the enrollment procedure, eligibility criteria, document required, insurance claim amount, public and private hospital empanelment, cashless and paperless facilities, coverage of pre-existing illnesses from the enrollment date, requirement of an Ayushman card only for availing services, and provision of secondary and tertiary care hospitalization, but they were unaware of the claim procedure and diseases covered in secondary and tertiary care hospitalization. Implications: The findings of the study may guide improvements in communication strategies, ensuring the scheme reaches low-income and underserved populations who could greatly benefit from it. Additionally, the study could inform policymakers about socioeconomic and cultural barriers to healthcare access, enabling tailored strategies for urban populations. Overall, the research can support targeted policy adjustments that enhance PMJAY’s reach and impact in urban centers like Lucknow.