Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)
Quick Scheme Parameters
Who is this scheme for?
- ●Low-Income Families (SECC 2011)
- ●NFSA Ration Card Holders
- ●Vulnerable Urban & Rural Households
SEVA is an independent information directory and is not affiliated with or operated by the Government of India or any government department. Scheme eligibility, benefits, deadlines and application requirements may change. Always verify information through the relevant official government source before applying.
01 // What is Ayushman Bharat PM-JAY Health Cover? (Overview)
Ayushman Bharat PM-JAY is the world largest government-funded health assurance scheme, providing a health cover of ₹5,00,000 per family per year for secondary and tertiary care hospitalization across more than 29,000 empanelled public and private hospitals in India.
Who Can Apply & Eligibility Requirements
- ✓Families identified in Socio-Economic Caste Census (SECC 2011) deprivation criteria
- ✓Beneficiaries with active NFSA Ration Cards as integrated by state governments
- ✓All Indian senior citizens aged 70 years and above (under the expanded AB-PMJAY Universal Senior Citizen tier)
- ✓No cap on family size, age, or gender
Who is NOT Eligible?
- ✕Families possessing motorized vehicles, mechanized agricultural equipment, or salaried government employment (for general SECC tier)
- ✕Families enrolled in other statutory government health schemes (e.g. CGHS, ECHS) who choose not to switch
02 // Benefits & Financial Assistance / Subsidy Structure
₹5,00,000 annual cashless and paperless hospitalization health cover per family covering over 1,949 medical and surgical procedures with zero pre-existing disease exclusion.
| Beneficiary / Project Tier | Government Subsidy / Cover | Key Terms & Conditions |
|---|---|---|
| Eligible Rural & Urban Families | ₹5,00,000 Annual Health Cover | 100% cashless treatment at all empanelled hospitals across India. Covers pre-hospitalization (3 days) and post-hospitalization (15 days) expenses. |
| Senior Citizens (70+ Years) | Dedicated ₹5,00,000 Cover | Universal health coverage tier for all seniors aged 70+ regardless of household income tier (Ayushman Vay Vandana Card). |
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Subsidy disbursements under Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY) frequently get delayed or rejected by nodal banks if a supplier's quotation, GST certificate, bank beneficiary, or invoice details don't match. Cross-check your supplier documentation with AI in 30 seconds before releasing advances.
03 // Required Documents Checklist
04 // How to Apply (Step-by-Step Application Process)
Check Eligibility on Beneficiary Portal
Visit beneficiary.nha.gov.in or download the Ayushman App and enter your mobile number, Aadhaar number, or Ration Card number to verify your family listing.
Complete e-KYC Verification
Perform instant e-KYC via Aadhaar OTP, facial recognition, or fingerprint biometrics on the portal or at any Common Service Center (CSC).
Download Ayushman Card (PVC/Digital)
Once e-KYC is approved, download your official Ayushman Card containing your unique ABHA/PMJAY ID number.
Cashless Hospital Admission
Show your Ayushman Card at the Ayushman Mitra desk at any empanelled public or private hospital across India for 100% cashless hospitalization.
05 // Official Government Sources & Application Portals
NHA Beneficiary Portal
Official National Health Authority portal to check eligibility, complete e-KYC, and download Ayushman Cards.
National Health Authority (NHA) Official Site
Apex central agency governing PM-JAY policy and hospital empanelment.
myScheme PM-JAY Directory
Official Government of India portal for verified scheme details.
06 // Frequently Asked Questions About Ayushman Bharat PM-JAY Health Cover
Are pre-existing medical conditions covered under PM-JAY?
Yes. All pre-existing conditions are covered from day one of enrollment. There is zero waiting period for heart surgeries, oncology, kidney transplants, or orthopedic procedures.
Can an Ayushman Card be used in a different state from where it was issued?
Yes. Ayushman Bharat PM-JAY features complete national portability. A card issued in Bihar, Uttar Pradesh, or Maharashtra is fully valid for cashless treatment in any empanelled hospital across India.
What expenses are covered during hospitalization?
The package covers medical examinations, doctor consultations, ICU charges, surgical procedures, medicines, consumables, diagnostic tests, food services, and post-hospitalization follow-up for 15 days.
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