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@article{195167,
        author = {Anjali Gautam and Dr. Anisha Satsangi},
        title = {Digital Adoption in AB-PMJAY (Ayushman Bharat Pradhan Mantri Jan Arogya Yojna) Access},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {10},
        pages = {7990-7997},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=195167},
        abstract = {Digital technologies have become integral to health insurance delivery, especially in developing economies where financial literacy and access to healthcare remain uneven. AB-PMJAY, India’s flagship health insurance program, is built on digital platforms that facilitate beneficiary enrollment, e-card generation, hospital admissions, and online claim settlement. This paper investigates the patterns of digital adoption under AB-PMJAY using secondary data at the national and state levels. Drawing on data from the PMJAY public dashboard, National Health Authority (NHA) reports, and other government sources, the study analyzes year-wise trends in e-card generation, hospital admission s, and digital claim processing since the scheme’s inception in 2018.Trend analyses are used to examine the relationship between digital adoption and healthcare According the study and their findings shows the growth in e-card generation and digital hospital admissions, shows the improvement in awareness and utilization of health insurance services. Some noticeable differences shows in health services are accessed across various states in India related with private hospitals that are handling a wider portion of transactions. This raises vital concerns about the transparency and the need to strengthening public healthcare systems. The results show that constant challenges occur in digital literacy, and the need for better education and stronger framework. This insights offer more valuable ideas to the policymakers who seeks to improve digital health literacy, promote equitable access, and ensures the long-term justifiable of public health insurance programs in India.},
        keywords = {AB-PMJAY, digital adoption, e-cards, hospital admissions ,healthcare access, India},
        month = {March},
        }