Benefit Amount
Up to Rs. 5 lakh per family per yearInsurance
✓ Government Verified✓ Direct Bank Transfer
ℹAbout Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
Ayushman Bharat PM-JAY is India's flagship health insurance scheme providing cashless and paperless hospitalization coverage to economically vulnerable families. The scheme offers up to Rs. 5 lakh per family per year for secondary and tertiary care hospitalization at empaneled government and private hospitals. It covers 1,669 procedures including surgeries, treatments, and diagnostic services with no exclusion for pre-existing conditions or age limits. The scheme aims to provide universal health protection to 50 crore Indians, particularly targeting poor and vulnerable populations. Beneficiaries receive a golden card enabling easy access to hospitalization benefits without out-of-pocket expenses.
Ministry
Ministry of Health and Family Welfare
✓Who Is Eligible?
Ayushman Bharat PM-JAY is designed to provide health coverage to economically vulnerable Indians. The scheme is open to all Indian citizens, with special focus on families below the poverty line, SC and ST populations, and other occupational worker groups as identified by individual states. There is no specific age limit for beneficiaries, meaning both elderly and young family members can be covered under the same family policy. Eligibility criteria are primarily based on economic status rather than income thresholds, as state governments identify eligible families based on their own poverty definitions and socio-economic data. The scheme covers entire families, not just individuals, providing a family-centric approach to health protection. Geographic restrictions do not apply as the scheme operates across all states and union territories in India. Different states may have slightly different eligibility criteria based on their specific requirements and government guidelines. To determine your family's exact eligibility, you should check the official pmjay.gov.in portal or visit your nearest enrollment center with your family details. The scheme prioritizes the most vulnerable populations while maintaining inclusive coverage for economically weaker sections across India.
Quick eligibility check:
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Gender: Male, Female, Other✓
Category: General, OBC, SC, ST, BPL, EWS📝How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana
Applying for Ayushman Bharat PM-JAY is simple and can be done through multiple channels. First, visit the official website pmjay.gov.in to check if your family is already enrolled in the scheme, as many eligible families are automatically registered. Second, if you need to apply manually, visit your nearest Common Service Center (CSC) or the designated enrollment center in your district. Third, bring your required documents including Aadhaar Card, Family ID or household details, Ration Card if required in your state, and proof of address. Fourth, submit your application form at the enrollment center with all necessary documents. Fifth, your application will be verified by the authorities within a few days. Sixth, once approved, you will receive a golden card by post or you can collect it from the enrollment center. Seventh, use this golden card at any empaneled government or private hospital to access cashless hospitalization benefits. You can also check your enrollment status and hospital list on the official pmjay.gov.in website. For any queries or assistance, contact your state helpline or visit the nearest enrollment center. The entire process is completely free with no application charges.
Visit Official Portal →📄Documents Required6 required
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Beneficiary Identity Card📋
Family ID/Household details📋
Ration Card (in some states)?Frequently Asked Questions
1Who is eligible for Ayushman Bharat PM-JAY?
Eligibility is determined based on socio-economic and occupational criteria defined in SECC 2011 data and state-specific lists. Priority is given to poor, vulnerable populations including landless laborers, artisans, fishermen, and BPL families. Each state has its own beneficiary list based on government definitions. Individuals can check eligibility using their name or Aadhaar on the official PMJAY website.
2What is the coverage amount under this scheme?
The scheme provides up to Rs. 5 lakh per family per year for hospitalization expenses. This covers both pre-hospitalization and post-hospitalization costs for up to 150 days. The benefits are cashless at empaneled hospitals, meaning patients do not pay any amount at the time of treatment; the hospital bills are directly paid by the insurance company.
3How do I apply for Ayushman Bharat PM-JAY?
If you meet the eligibility criteria, you are automatically enrolled. You don't need to apply separately. You can check your eligibility using your Aadhaar or mobile number on pmjay.gov.in. Once eligible, you receive a golden card from your state's health scheme office. You can then use this card at any empaneled government or private hospital.
4What are the key benefits of the golden card?
The golden card provides instant identification as a beneficiary for cashless hospitalization. It enables access to over 25,000 empaneled hospitals across India. The card covers treatment costs up to Rs. 5 lakh annually with no out-of-pocket expenses. It includes pre-hospitalization tests, treatment, and 150 days of post-hospitalization care.
5Are pre-existing conditions covered under PMJAY?
Yes, all pre-existing conditions are covered from day one with no waiting period. There is no age limit or exclusion for specific diseases. The scheme covers 1,669 medical and surgical procedures including treatment for chronic diseases, emergency care, and diagnostic services.
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