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Is Ayushman Bharat’s insurance-based approach the right path to universal healthcare for India, or would resources be better invested in strengthening public health infrastructure, primary care systems, and preventive health programs that address root causes of disease burden?
- Does evidence show that AB-PMJAY meaningfully reduces out-of-pocket health expenditure and financial catastrophe for beneficiaries, or do high deductibles, exclusions, hospital gaming, and poor awareness limit real-world impact despite impressive enrollment numbers?
- How can the scheme prevent moral hazard where hospitals over-prescribe procedures (because government pays) and patients over-utilize services (because care is “free”), leading to budget overruns without corresponding health improvements?
- Should India prioritize insurance coverage for secondary/tertiary care (as AB-PMJAY does) or invest those resources in primary healthcare centers, community health workers, and preventive programs that research suggests deliver better population health per rupee spent?
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