Extension of Ayushman Bharath (Pradhan Mantri Jan Arogya Yojana (PM-JAY) to Gramin Dak Sevaks (GDS) - Postalstudy | Post Office Blog | Materials for | Exams

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Extension of Ayushman Bharath (Pradhan Mantri Jan Arogya Yojana (PM-JAY) to Gramin Dak Sevaks (GDS)

Extending Pradhan Mantri Jan Arogya Yojana (PM-JAY) to Gramin Dak Sevaks (GDS) of DOP (Post Office).


In a country as diverse as India, ensuring equitable access to healthcare remains a pressing challenge. Recognizing the need to address this issue comprehensively, the Government of India, through the Department of Posts, is exploring avenues to extend the benefits of the Pradhan Mantri Jan Arogya Yojana (PM-JAY) to Gramin Dak Sevaks (GDS). This endeavor marks a significant step towards democratizing healthcare access and bolstering the welfare of a crucial segment of the workforce.

Download Extension of facilities of Pradhan Mantri - Jan Arogya Yojana (PM-JAY) to Gramin Dak Sevaks (GDS) and Preparation of database of GDSs for the Purpose of the Said scheme in PDF


Gramin Dak Sevaks (GDS) form the backbone of India's postal system, serving in rural and remote areas where healthcare facilities are often scarce. Despite their invaluable contributions, many GDSs and their families grapple with limited access to affordable healthcare services. The extension of PM-JAY to GDSs seeks to address this disparity by providing them with comprehensive medical coverage.

Key Features of PM-JAY:

PM-JAY, launched under the Ayushman Bharat Yojana, is a flagship healthcare scheme designed to provide financial protection to vulnerable families against high healthcare costs. With a sum assured of Rs. 5 lakh per family, the scheme offers cashless healthcare services across a vast network of public and private hospitals. PM-JAY covers a wide range of medical and surgical treatments, including pre and post-hospitalization expenses, diagnostic procedures, and specialized treatments for specific ailments.

Proposed Extension to GDSs:

The proposed extension of PM-JAY to GDSs encompasses several key features tailored to meet their unique healthcare needs:

Family Floater Scheme: GDSs and their dependent family members will benefit from a family floater scheme, ensuring comprehensive coverage for medical emergencies.

Affordable Contribution: GDSs will contribute a nominal amount from their Total Remuneration on Contractual Assignment (TRCA) towards the scheme, making it accessible to all.

Operational Support: The National Health Authority (NHA) will provide crucial operational support, including IT infrastructure and claim processing, to facilitate the seamless implementation of the scheme.

Inclusivity: GDSs from all states and union territories will be covered under the scheme, with special provisions for non-PMJAY states to access central government hospitals for treatment.

Policy Formulation: The Department of Posts will have the autonomy to formulate policies specific to GDSs, ensuring that their healthcare needs are addressed effectively.

Impact and Benefits:

The extension of PM-JAY to GDSs is poised to have far-reaching implications:

Enhanced Healthcare Access: GDSs and their families will have access to quality healthcare services without financial constraints, leading to improved health outcomes and well-being.

Financial Security: The scheme provides a safety net against high healthcare costs, shielding GDSs from economic hardship during medical emergencies.

Empowerment: By prioritizing the health and welfare of GDSs, the government empowers them to perform their duties effectively, contributing to overall national development.


The proposed extension of PM-JAY to Gramin Dak Sevaks underscores the government's commitment to equitable healthcare access for all. By harnessing the strengths of PM-JAY and tailoring them to the unique needs of GDSs, India takes a decisive step towards realizing the vision of health for all. As stakeholders provide feedback and suggestions, the Department of Posts is poised to finalize the proposal, ushering in a new era of inclusive healthcare for GDSs across the nation.

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