West Bengal today became the 36th state to implement the Indian government's flagship health insurance scheme, Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB PM-JAY).The scheme aims to achieve universal health coverage and ensure seamless access to quality healthcare for every eligible citizen across the country.The National Health Authority (NHA), under the Union Ministry of Health and Family Welfare (MoHFW), signed a Memorandum of Understanding (MoU) with the Department of Health and Family Welfare, Government of West Bengal, for the implementation of AB PM-JAY in the state.Over 12 Crore Treatments Availed Under PM-JAY“Beneficiaries under the AB PM-JAY scheme have availed over 12 crore treatments worth more than Rs 1.82 lakh crore, providing substantial financial protection to poor and vulnerable families,” said JP Nadda, Union Health Minister.He noted that one of the most significant outcomes of the government's efforts has been the reduction in out-of-pocket healthcare expenditure, which has declined from 64.6 per cent before 2018 to 43.4 per cent today.Nadda further stated that AB PM-JAY has enabled timely access to quality healthcare through a cashless, paperless, and fully digital platform.Referring to findings published in The Lancet, he noted that nearly 90 per cent of eligible cancer patients under the scheme were able to access treatment within 30 days, demonstrating the program's role in improving timely healthcare access.Who Will Benefit From AB PM-JAY in West Bengal?Also read: India working on grand preventive and holistic health vision: PM ModiChief Minister of West Bengal Suvendu Adhikari noted that under the National Health Mission has recently released Rs 527 crore to the state, which will further support healthcare infrastructure and service delivery.The scheme will cover:1.43 crore families in total1.24 crore eligible beneficiary familiesAround 3.06 lakh families of ASHAs, Anganwadi workers, and helpersNearly 15.95 lakh families of senior citizens aged 70 years and aboveAnupriya Patel, Minister of State for Health and Family Welfare, said that AB PM-JAY is not merely a health scheme but a transformative initiative that has brought financial protection and healthcare security to millions of vulnerable families across India.She noted that AB PM-JAY, "now covers more than 62 crore people, including poor and vulnerable families, senior citizens aged 70 years and above, and gig and platform workers" in India.Achievements include:More than 44 crore Ayushman Cards have been created. Over 12 crore hospital admissions have been authorised under the scheme. Women are accounting for nearly half of all beneficiaries.What Is Ayushman Bharat PM-JAY?Read More: India AI Summit: Union Health Minister Nadda Launches SAHI And BODH Initiatives To Boost AI In HealthcareAyushman Bharat PM-JAY was launched in September 2018 and has since emerged as the world's largest government-funded health assurance programme.The scheme provides health coverage of Rs 5 lakh per family per year for secondary and tertiary care hospitalization. It covers around 12 crore families, representing the bottom 40 per cent of India's population.The program was later expanded to include 6 crore senior citizens aged 70 years and above, belonging to 4.5 crore families, irrespective of their socio-economic status.