Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)
Free, cashless health cover of up to ₹5 lakh per family per year for secondary and tertiary hospital care.
Ayushman Bharat PM-JAY is the health insurance component of the Ayushman Bharat mission, launched in September 2018 by the Ministry of Health and Family Welfare. It provides cashless, paperless hospitalisation cover to economically vulnerable families at empanelled public and private hospitals across India, and now also extends to all senior citizens aged 70 and above regardless of income.
At a Glance
- Government level
- Central
- State
- All India
- Category
- Health
- Target beneficiaries
- Economically vulnerable families, Senior citizens aged 70+
Benefits
- ₹5 lakh cover per family per year for secondary and tertiary hospitalisation
- Cashless and paperless treatment at empanelled hospitals, public and private
- All pre-existing diseases are covered from day one
- Senior citizens aged 70 and above are eligible for cover irrespective of income
Eligibility
- Rural households identified under deprivation criteria in the Socio-Economic Caste Census (SECC) 2011
- Specific urban occupational categories such as street vendors, domestic workers and construction workers
- Households already covered under the erstwhile Rashtriya Swasthya Bima Yojana (RSBY)
- All citizens aged 70 years or above, regardless of income, under the scheme’s senior citizen expansion
Documents Required
- Aadhaar card
- Ration card or family ID, where applicable
- Mobile number for OTP verification
How to Apply
- 1.Check eligibility on the official PM-JAY portal using "Am I Eligible?"
- 2.Complete verification with Aadhaar and mobile OTP, then enrol if listed as eligible
- 3.Download or collect your Ayushman card and present it at any empanelled hospital for cashless treatment
Official Source
PM-JAY Official Portal (National Health Authority)
Visit Official SourceImportant Information
Government scheme rules, benefit amounts and eligibility criteria can change. Always confirm current details on the official source above before applying, and never pay any third party to access a government service.
Frequently Asked Questions
How much health cover does PM-JAY provide?
₹5 lakh per family per year for secondary and tertiary care hospitalisation at empanelled hospitals.
Do I have to pay anything at the hospital?
No. Treatment at empanelled hospitals is cashless and paperless for covered procedures.
Are senior citizens automatically covered?
Citizens aged 70 and above can enrol for ₹5 lakh cover regardless of income, as a recent expansion to the scheme.