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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Impact Factor : 8.14
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| Paper Title: | Challenges of Policy Implementation for PM-JAY in Rural Uttar Pradesh: A Governance Perspective |
| Authors Name: | Sona Ojha , Prof. Gopal Prasad |
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IJRTI_205510
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| Published Paper Id: | IJRTI2507148 |
| Published In: | Volume 10 Issue 8, September-2025 |
| DOI: | |
| Abstract: | The Pradhan Mantri Jan Arogya Yojana (PM-JAY), launched under the Ayushman Bharat scheme, aims to provide financial protection to over 500 million vulnerable Indians by offering health insurance coverage of up to ₹5 lakhs per family per year. Despite its transformative potential, the implementation of PM-JAY in rural regions such as Uttar Pradesh reveals critical governance-related challenges. This paper examines these challenges through the lens of public policy and health governance, focusing on issues such as administrative coordination, frontline awareness, digital infrastructure, beneficiary identification, and healthcare provider participation. Drawing on a governance framework, the paper argues that institutional fragmentation, lack of local capacity, and inadequate inter-departmental coordination significantly hinder effective delivery. Moreover, limited health insurance literacy among rural populations, coupled with social exclusion due to caste and gender, further exacerbates access barriers. By analyzing secondary data, policy reports and theoretical literature, the study illustrates the need for context-sensitive implementation strategies, capacity building at the grassroots level and stronger accountability mechanisms. The findings contribute to the broader discourse on health policy reform and the viability of large-scale public insurance models in low-resource rural settings. |
| Keywords: | PM-JAY, Policy Implementation, Health Governance, Healthcare |
| Cite Article: | "Challenges of Policy Implementation for PM-JAY in Rural Uttar Pradesh: A Governance Perspective", International Journal of Science & Engineering Development Research (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 8, page no.b330-b335, September-2025, Available :http://www.ijrti.org/papers/IJRTI2507148.pdf |
| Downloads: | 000354 |
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2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2507148
Registration ID:205510
Published In: Volume 10 Issue 8, September-2025
DOI (Digital Object Identifier):
Page No: b330-b335 Country: Gorakhpur, Uttar Pradesh, India Research Area: Social Science and Humanities Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2507148 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2507148 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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