Benefit Amount
₹5 lakh health coverage per family/yearInsurance
✓ Government Verified✓ Direct Bank Transfer
ℹAbout Ayushman Bharat PM-JAY
Ayushman Bharat PM-JAY is India's largest health insurance scheme that provides free hospital treatment to the poorest families across the country. If your family's annual income is below ₹5 lakh and you're in the bottom 40% by income, you can get up to ₹5 lakh in health coverage every year for serious illnesses requiring hospital admission. The scheme covers treatment at over 24,000 empaneled government and private hospitals nationwide - simply visit any participating hospital with your Aadhaar card and get treated for free without any registration fees or paperwork hassles.
Ministry
Ministry of Health
✓Who Is Eligible?
Ayushman Bharat PM-JAY is open to families across all of India who fall in the bottom 40 percent of the population by income. Your family's annual income must be below five lakh rupees to qualify for this scheme. Members can be from any caste or category including General, OBC, SC, or ST categories. The scheme covers individuals aged up to 100 years, so family members of all ages can benefit. There are no specific gender or occupation restrictions mentioned, meaning both men and women from any occupation can apply. The scheme is available in all states across the country without any geographic limitations. Your family does not need to own property or meet any specific land ownership criteria. To verify if your household qualifies, you should check the official pmjay.gov.in portal with your details, or contact your nearest Ayushman Bharat registration center. The primary requirement is that your household income should place you in the poorest income group according to government data. If you have any doubt about your eligibility, the registration center staff can help you determine whether your family qualifies for this health insurance benefit.
Quick eligibility check:
✓
Annual income below ₹5,00,000✓
Gender: Male, Female, Other✓
Category: General, OBC, SC, ST📝How to Apply for Ayushman Bharat PM-JAY
Follow these simple steps to apply for Ayushman Bharat PM-JAY health insurance. First, visit the official website pmjay.gov.in to check if your family is eligible for the scheme. Second, gather your required documents which include your Aadhaar Card, Ration Card, and an Income Certificate proving your annual family income is below five lakh rupees. Third, you can either apply online through the official portal or visit your nearest Ayushman Bharat registration center in your district. Fourth, submit your documents along with the completed application form to the registration center staff who will verify your eligibility. Fifth, once your application is approved, you will receive your Ayushman Bharat card which you must carry with you. Sixth, when you need hospital treatment, simply visit any of the 24,000 empaneled government or private hospitals across India with your Aadhaar card and Ayushman Bharat card. Finally, inform the hospital about your scheme coverage and get treated for free without paying any registration fees or hospital charges for covered treatments. The entire process is free and designed to be simple without any complicated paperwork.
Visit Official Portal →📄Documents Required3 required
?Frequently Asked Questions
1Do I need to register before visiting a hospital under PM-JAY?
No, registration is not required. You can directly visit any empaneled hospital with your Aadhaar card. The hospital staff will verify your eligibility using Aadhaar and help you get treatment. However, you can also pre-register online at pmjay.gov.in to get a PM-JAY card, which can make the process faster.
2Which hospitals are covered under Ayushman Bharat PM-JAY?
Over 24,000 government and private hospitals across India are empaneled under this scheme. You can find the list of participating hospitals in your state on the official pmjay.gov.in website or through the PMJAY mobile app. Both government hospitals and private hospitals that meet the scheme's standards are included.
3What happens if I need treatment costing more than ₹5 lakh in a year?
The scheme provides a maximum coverage of ₹5 lakh per family per year. Any treatment costs beyond ₹5 lakh will have to be paid by you or your family. The coverage resets on April 1st every year, giving you a fresh ₹5 lakh limit for the next financial year.
4Can I use PM-JAY at private hospitals or only government hospitals?
You can use PM-JAY at both government and private hospitals that are empaneled under the scheme. Private hospitals participating in the program must follow the same treatment protocols and charges as government hospitals, and you won't pay anything out of pocket if the hospital is registered.
5What documents do I need to carry for treatment under this scheme?
You primarily need your Aadhaar card, which is used to verify your eligibility instantly. While Ration Card and Income Certificate are required during registration, you don't need to carry them every time you visit a hospital - your Aadhaar is usually sufficient for treatment verification.
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