Janani Suraksha Yojana

The Janani Suraksha Yojana (JSY), launched in 2005, is a program under India's National Health Mission. It aims to reduce maternal and newborn mortality rates by promoting institutional deliveries among pregnant women, particularly those from economically backward categories.

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Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Key Information on Janani Suraksha Yojana

Key Information Details
Starting Date April 12, 2005
Functional Area Maternal Health
Beneficiary Pregnant women below the poverty line (BPL) expecting their first two live births. There's a special focus on states with lower institutional delivery rates.

Objectives of the Janani Suraksha Yojana

Encouraging pregnant women, particularly those from marginalized communities such as Scheduled Castes, Scheduled Tribes, and households below the poverty line, to opt for institutional delivery as a means to decrease maternal and infant mortality rates.

What are the Features of the Janani Suraksha Yojana?

Below are the features of the Janani Suraksha Yojana: 

  1. Cash Incentive:

    Janani Suraksha Yojana provides cash assistance to pregnant women to help cover delivery expenses. The amount varies depending on the type of delivery:

    • Institutional Delivery: This receives a higher incentive, typically around Rs. 600.

    • Home Delivery: While still encouraged to deliver at a healthcare facility, women opting for home birth receive a lower incentive, around Rs. 500.

  2. Eligibility:

    • Targeted Program: Janani Suraksha Yojana focuses on pregnant women Below Poverty Line (BPL).

    • Birth Limit: The scheme provides cash assistance for up to the first two live births.

    • Focus on Low-Performing States: The initiative focuses on states with lower rates of institutional deliveries and aims to improve those statistics.

  3. Promoting Institutional Deliveries:

    • Financial Disincentive for Home Deliveries: The lower cash incentive for home births nudges women towards opting for the safer option of a hospital delivery.

    • Improved Healthcare Access: Janani Suraksha Yojana indirectly promotes access to qualified medical professionals and better facilities available at healthcare institutions.

  4. ASHA Workers as a Bridge:

    • Community Outreach: Accredited Social Health Activists (ASHAs) are important links between the government and pregnant women in communities.

    • Registration and Awareness: ASHAs help women register for JSY, explain the benefits, and encourage them to use healthcare facilities for delivery.

  5. Overall Impact:

    • Improved Maternal Health: By promoting institutional deliveries, JSY aims to reduce maternal mortality rates associated with complications during childbirth.

    • Safer Births for Newborns: Institutional deliveries with qualified medical professionals can also lead to better newborn health outcomes.

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What are the Benefits of the Janani Suraksha Yojana?

Janani Suraksha Yojana (JSY) offers cash assistance for delivery expenses:

  • More for institutional deliveries (hospital births)

  • Less for home deliveries

  • Targets pregnant women Below Poverty Line (BPL)

  • Encourages use of healthcare facilities with trained professionals

  • ASHA workers promote JSY and help women register

Benefits for women:

  • Financial support for delivery costs

  • Improved access to qualified healthcare

  • Increased awareness about prenatal care

Benefits for the healthcare system:

  • More institutional deliveries with better monitoring

  • Reduced strain on home birth systems

  • Improved overall health outcomes for mothers and newborns

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What is the Eligibility Criteria for Janani Suraksha Yojana?

  • Low Performing States (LPS): All pregnant women delivering in government health facilities (Sub Centers, Primary Health Centers, Community Health Centers, First Referral Units, or general wards of district/state hospitals) are eligible.

  • High Performing States (HPS): Pregnant women who are Below Poverty Line (BPL) or belong to Scheduled Caste (SC) or Scheduled Tribe (ST) and deliver in a government health facility (Sub Centers, Primary Health Centers, Community Health Centers, First Referral Units, or general wards of district/state hospitals) are eligible.

  • Both LPS and HPS: BPL, SC, or ST women delivering in accredited private institutions can also avail of the benefits.

Cash Assistance for Institutional Delivery (in Rs)

Category  Rural area    Total Urban area   Total
  Mother’s package ASHA’s package*   Mother’s package ASHA’s package** (Amount in Rs.)
LPS 1400 600 2000 1000 400 1400
HPS 700 600 1300 600 400 1000

*In rural areas, the ASHA package provides a total of Rs. 600, with Rs. 300 allocated for antenatal care (ANC) and Rs. 300 for supporting institutional delivery.
**In urban areas, the ASHA package amounts to Rs. 400, with Rs. 200 designated for antenatal care (ANC) and Rs. 200 for aiding institutional delivery.

How to Apply for the Janani Suraksha Yojana?

To access the advantages of the program, get in touch with the nearest healthcare facility, or reach out to your ASHA worker or Anganwadi center.

Conclusion

The Janani Suraksha Yojana has been instrumental in improving maternal health outcomes in India. By providing financial incentives, promoting access to skilled healthcare, and empowering women,  Janani Suraksha Yojana has played an important role in reducing maternal and newborn mortality rates. As India continues to strive for better healthcare for all,  Janani Suraksha Yojana remains a vital program for ensuring safe motherhood and a healthy future for generations to come.

FAQs

  • What is the Janani Suraksha Yojana scheme?

    The Janani Suraksha Yojana is a program in India that offers financial assistance to encourage pregnant women, especially those who are poor, to deliver their babies in hospitals or other healthcare facilities.
  • How much money is given under the Janani Suraksha Yojana?

    The amount of money provided by JSY depends on where the woman delivers her baby. Women who deliver in a healthcare facility (institutional delivery) typically receive around Rs. 600, while those who deliver at home receive around Rs. 500.
  • Who is eligible for JSY benefits?

    Pregnant women who are below the poverty line (BPL) and expecting their first two live births are eligible for JSY benefits. There's also a focus on including women from states with lower rates of institutional deliveries.

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#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
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