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CentralHealth & InsuranceCentral Scheme
Ayushman Bharat PM-JAY
Managed by: Ministry of Health & Family Welfare (National Health Authority)
About the Scheme
Ayushman Bharat PM-JAY is India's flagship health insurance scheme providing Rs. 5 Lakhs cashless hospitalization cover to over 50 crore beneficiaries.
Welfare Benefits & Assistance
- •Rs. 5 Lakhs health cover per family per year
- •Cashless treatment at empaneled hospitals
- •Covers 1,929 medical/surgical packages
- •No premium for beneficiaries
Eligibility Criteria
State ResidencyIndian citizen
Age LimitsAll ages covered
Family Income CapMust be from SECC-2011 deprived category or enrolled RSBY family
Social Class / CategoryAll
Additional Prerequisites
- No cap on family size
- Covers pre-existing conditions from day one
Documents Required for Application
Tip: Keep scanned color copies of these documents ready before starting your application.
How to Apply (Step-by-Step Guide)
1
Check eligibility at pmjay.gov.in
2
Download Ayushman Bharat card via mobile app
1
Visit Ayushman Mitra at empaneled hospital
2
Show Aadhaar for on-spot verification and card generation
Who Should Apply?
- ✓SECC-2011 deprived families
- ✓Former RSBY beneficiaries
Who Should NOT Apply?
- ✗Families with private health insurance above Rs. 5L (optional)
Frequently Asked Questions (FAQs)
Is there any premium?
No, beneficiaries pay zero premium. The government covers the full cost.
Related Welfare Schemes
PM Awas Yojana (Gramin)
Who Can Apply:
Homeless rural BPL families
Key Benefits:
•Rs. 1.20 Lakhs subsidy in plains / Rs. 1.30 Lakhs in hilly areas
•Additional Rs. 12,000 for toilet construction (Swachh Bharat linkage)
Updated: July 2026
Atal Pension Yojana
Who Can Apply:
Unorganized sector workers aged 18-40
Key Benefits:
•Guaranteed monthly pension of Rs. 1,000 to Rs. 5,000 after age 60
•Government co-contributes 50% of premium (for eligible members joined before 2016)
Updated: July 2026
Swasthya Sathi
Who Can Apply:
All WB families — especially those without private health insurance
Key Benefits:
•Cashless treatment up to Rs. 5 Lakhs per family per year
•Coverage for 1,500+ medical procedures
Updated: July 2026
Cost of Spectacle for Workers
Who Can Apply:
Registered workers requiring vision spectacles with govt hospital prescriptions
Key Benefits:
•One-time financial grant of Rs. 1,000 for purchasing spectacles/glasses due to vision degradation
Updated: July 2026
Scheme Details
State / CentralCentral Government
AuthorityNational Health Authority
SubcategoryHealth Insurance
Launch DateSeptember 2018
Target Beneficiarygeneral
Official Helpline14555 / 1800-111-565