Knowledge, utilisation and perception regarding Ayushman Bharat Pradhan Mantri Jan Arogya Yojana among Mysuru residents: insights from a cross-sectional analysis

Shruddha K.; Deepshika R.; Rakesh M.; Shwethashree M.

doi:10.18203/2394-6040.ijcmph20252134

Authors

Shruddha K. Department of Community Medicine, JSS Medical College, JSS Academy of Higher Education and Research, Mysuru, Karnataka, India https://orcid.org/0009-0004-5886-4618
Deepshika R. Department of Community Medicine, JSS Medical College, JSS Academy of Higher Education and Research, Mysuru, Karnataka, India https://orcid.org/0009-0004-4090-8336
Rakesh M. Department of Community Medicine, Saveetha Medical College and Hospital, Saveetha Institute of Medical and Technical Sciences (SIMATS), Chennai, Tamil Nadu, India https://orcid.org/0000-0002-8829-4028
Shwethashree M. Department of Community Medicine, JSS Medical College, JSS Academy of Higher Education and Research, Mysuru, Karnataka, India https://orcid.org/0000-0003-3174-0258

DOI:

https://doi.org/10.18203/2394-6040.ijcmph20252134

Keywords:

Ayushman Bharat, Health insurance, Healthcare utilization, PM-JAY

Abstract

Background: Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) is among the largest government-funded health insurance schemes globally, aimed at providing financial protection for secondary and tertiary healthcare to economically vulnerable populations. Awareness and understanding are crucial for the scheme’s successful implementation and optimal utilization. Objectives were to assess the knowledge, utilization, and perception regarding AB-PMJAY among Mysuru residents and examine associated sociodemographic factors.

Methods: A community-based cross-sectional study was conducted in Mysuru over a period of two months, from December 2024 to February 2025. A total of 350 participants were selected through simple random sampling. A semi-structured questionnaire was used to collect information on socio-demographic data, awareness, and utilization of AB-PMJAY. Data were analysed using SPSS version 30. Descriptive and inferential statistics were applied, and p<0.05 was taken as statistically significant.

Results: Among the participants, 55.7% had poor awareness, 30.9% had average awareness, and only 13.4% had good awareness of AB-PMJAY. Utilization of scheme benefits was reported by 33.7% of respondents, while 66.3% had not availed any services. Regarding perceptions, 38.0% felt the scheme had improved healthcare access, 6.6% disagreed, and 55.4% were uncertain. A statistically significant association (p=0.011) was observed between awareness and monthly household income, with higher awareness among those earning less than ₹5000.

Conclusions: The study highlights suboptimal awareness and utilization of AB-PMJAY among Mysuru residents. Targeted awareness campaigns and community engagement strategies are essential to enhance public understanding and uptake of the scheme.

Metrics

Metrics Loading ...

References

Government of India. Ayushman Bharat Pradhan Mantri Jan Arogya Yojana. National Portal of India. Available from: https://www.india.gov.in/spotlight/ ayushman-bharat-pradhan-mantri-jan-arogya-yojana. Accessed on 30 March 2025.

National Health Authority. About PM-JAY- National Health Authority. GOI. Available from: https://nha.gov.in/PM-JAY. Accessed on 25 February 2025.

Ministry of Health and Family Welfare. Update on Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY). Available from: https://www.mohfw.gov.in/?q=pressrelease-172. Accessed on 30 March 2025.

Thomas B, Raykundaliya DP, Bhatt S, Vadhel K. Study of awareness, enrolment, and utilization of Ayushman Bharat Pradhan Mantri Jan Arogya Yojana in Gujarat, India. Int J Community Med Public Health. 2023;10(8):2741-7. DOI: https://doi.org/10.18203/2394-6040.ijcmph20232151

Verma V, Nath DC, Chetri R, Sarma P, Khanam M, Bhattacharyya B, et al. Study Protocol: A mixed method and multimethod study of implementation and impact of Ayushman Bharat- Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) scheme in Assam State. Res Square. 2024 DOI: https://doi.org/10.21203/rs.3.rs-4794755/v1

Ministry of Health and Family Welfare. National Health Accounts Estimates for India (2018-19). Government of India. Available from: https://nhsrcindia.org/sites/default/files/2022-09/NHA%202018-19_07-09-2022_revised_0.pdf. Accessed on 30 March 2025.

Ministry of Health and Family Welfare. Update on Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY). Available from: https://mohfw.gov.in/?q=pressrelease-172. Accessed on 28 April 2025.

Prasad SSV, Singh C, Naik BN, Pandey S, Rao R. Awareness of the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana in the rural community: A cross-sectional study in Eastern India. Cureus. 2023;15(3):e35901. DOI: https://doi.org/10.7759/cureus.35901

Government of India. Ayushman Bharat - Pradhan Mantri Jan Arogya Yojana. Available from: https://pmjay.gov.in/. Accessed on 28 April 2025.

More H, Thombre V. To assess the knowledge, awareness and utilization of people regarding PMJAY- Ayushman Bharat Yojana and Mahatma Jyotiba Phule Jan Arogya Yojana in rural areas of Rahata Taluka, Maharashtra. Biol Forum Int J. 2023;15(5):62-8.

India Development Review. How a lack of awareness is hindering PM-JAY’s reach. Available from: https://idronline.org/article/health/how-a-lack-of-awareness-is-hindering-pm-jays-reach/. Accessed on 28 April 2025

Kamalpreet D, Beri S. Analysing beneficiary experience with AB-PMJAY: Levels of awareness, usage trends, and information sources. Indian J Public Adm. 2024;12(6).

Garg S, Bebarta KK, Tripathi N. The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) after four years of implementation- is it making an impact on quality of inpatient care and financial protection in India? BMC Health Serv Res. 2024;24:919. DOI: https://doi.org/10.1186/s12913-024-11393-2