Ayushman Bharat – PM Jan Arogya Yojana
Health cover of up to ₹5 lakh per family per year for secondary and tertiary hospitalisation at empanelled hospitals.
Overview
Ayushman Bharat PM-JAY is the world's largest publicly funded health assurance scheme, offering cashless and paperless treatment.
Each eligible family gets cover of up to ₹5 lakh per year for a wide range of medical and surgical procedures.
Treatment is available at empanelled public and private hospitals across the country, with portability between states.
Eligibility Criteria
- Eligibility is based on the deprivation and occupational criteria of the SECC 2011 database for rural and urban households.
- There is no cap on family size, age or gender.
- Senior citizens aged 70 and above are covered under the Ayushman Vay Vandana expansion regardless of income.
Key Benefits
- Up to ₹5 lakh cover per family per year, on a floater basis.
- Cashless treatment at any empanelled hospital in India.
- Covers pre-hospitalisation and post-hospitalisation expenses, diagnostics and medicines.
Required Documents
How to Apply
- 1Check your eligibility on the official PM-JAY portal using your mobile number and state.
- 2Visit an empanelled hospital's Ayushman Mitra help desk or a CSC to verify identity.
- 3Complete e-KYC and generate your Ayushman Card free of cost.
- 4Use the Ayushman Card at any empanelled hospital for cashless treatment.
Important Dates
| Scheme launched | September 2018 |
|---|---|
| Senior citizen expansion | 2024 |
Frequently Asked Questions
Common questions about AB PM-JAY.
Visit the PM-JAY beneficiary portal, enter your mobile number and state, and search by name, ration card or Aadhaar to confirm eligibility.
Yes. At empanelled hospitals, covered treatment up to ₹5 lakh per family per year is cashless — you do not pay for admission, procedures or medicines within the package.
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