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APSC Answer Writing (Daily) based on Assam Tribune – 30/01/2025

For APSC CCE and other Assam Competitive examinations aspirants, practicing Daily Answer Writing is vital. This blog covers the most important Main question and its model Answer from the Assam Tribune today (29-01-2025).

Q. The Ayushman Bharat–Pradhan Mantri Jan Arogya Yojana (PMJAY) has played a crucial role in expanding healthcare access in India. However, issues such as pending reimbursements and financial constraints in Assam have raised concerns about its sustainability. Discuss the impact of these challenges on healthcare delivery and suggest policy measures for efficient implementation. (250 words)

Model Answer

Introduction
PMJAY–Ayushman Bharat is India’s largest health insurance scheme, providing ₹5 lakh per family per year for medical treatment. However, Assam faces a crisis with ₹750 crore in pending reimbursements, affecting hospital operations, healthcare access, and service quality.

Impact of Delayed Reimbursements on Healthcare Delivery

Operational Struggles for Hospitals
- Private hospitals face cash flow shortages, leading to delayed salaries and service disruptions.
- Some hospitals have stopped accepting PMJAY patients, overburdening public healthcare facilities.
Increased Financial Burden on Patients
- Delays force low-income patients to seek costly private treatment, defeating PMJAY’s purpose.
Declining Private Sector Participation
- Lack of trust in government payments discourages hospitals from continuing PMJAY services.
Strain on Government Hospitals
- More patients turn to already overcrowded government hospitals, reducing efficiency.

Policy Measures for Effective Implementation

Faster Claim Settlements
- Implement AI-based real-time reimbursement tracking systems.
- Mandate automatic fund release within 30 days of claim approval.
Strengthening Public-Private Partnerships (PPPs)
- Encourage financial incentives for private hospitals to remain empanelled.
- Simplify regulatory processes to improve participation.
Dedicated State Health Insurance Fund
- Establish an emergency liquidity fund to prevent payment delays.
Capacity Building in Public Healthcare
- Expand rural health infrastructure to reduce dependence on private hospitals.

Conclusion

Timely reimbursements are critical for PMJAY’s long-term success. Assam must prioritize efficient fund disbursement, strengthen public-private partnerships, and expand healthcare infrastructure to ensure universal, high-quality healthcare for all.

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